People with excellent credit not only have the upper hand when it comes to getting a mortgage, paying lower interest or even being accepted for a job, they also get to earn the most rewards when making purchases with their credit cards. To attract more new customers with excellent credit scores, credit card issuers in the US have created a wide range of credit cards for people with excellent credit. These high-end credit cards offer more rewards and special privileges than the cards offered to consumers with lower credit scores.

Credit cards for excellent credit are mainly for people who have a credit score of 740-850. Most of these cards are rewards and travel credit cards that offer large signing bonuses and extra benefits and perks that are not offered elsewhere, with many of them offering 0% foreign transaction fee, no balance transfer fee, travel accident insurance, purchase protection, extended warranty and many more.

For those of you who have very good to excellent credit score (740-850), I have compiled a list of our best rated credit cards for excellent credit offering the juiciest rewards and largest signing incentives so that you can browse through them easily and find the card that will reward you most for your spending.

Here is a list of our top rated credit cards for excellent credit:


Chase Freedom®. If you sign up you will receive a $100 Bonus once you spend $500 on purchases in the first 3 months. You can also earn an additional Bonus of $25 when you add your first authorized user and make a purchase within this same 3-month period. Earn 5% cash back in categories that rotate quarterly (on up to $1,500 in combined purchases per quarter). You must sign up for each 5% quarterly program in order to activate it. Earn unlimited 1% cash back on everything else. The cash back you earn never expires and there is no limit to the amount you can earn. Make use of the free Blueprint program to manage your balance payments. Enjoy 0% APR for 15 months on purchases and balance transfers. After the intro period, there is a 13.99% - 22.99% variable APR. No annual fee. Chase Freedom even made it to's Best Rated Credit Cards 2015 list.

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Chase Sapphire Preferred® Card. Receive 40,000 bonus points when you spend $4,000 in the first 3 months, and 5,000 bonus points when you add an authorized user and make your first eligible purchase within the first 3 months. Earn up to 10 points when shopping at Chase’s online mall, 2 points when making restaurant and travel purchases, and 1 point for every other dollar you spend on purchases. When redeeming your points for airfare and hotels online through Chase, they are worth 20% more. No foreign transaction fee. $0 intro fee for the first year. After that, $95. Read review of Sapphire Preferred here.

Click here to go to the official Chase website to apply online for the Chase Sapphire Preferred Card now.

United MileagePlus® Explorer Card. This great airline credit card is issued by JPMorgan Chase. Receive up to 45,000 bonus miles: Earn 30,000 miles when you spend $1,000 in purchases during the first 3 months, 5,000 bonus miles after your first purchase and addition of an authorized user to your account within the first 3 months, and 10,000 miles each year when you spend at least $25,000; Earn double miles for every dollar you spend on United airfare purchases and 1 mile for every other dollar you spend on any purchase. Enjoy 2 United Club VIP lounge passes yearly. Your first checked bag is free. No foreign transaction fees. $0 introductory annual fee for the first year, after that there is a $95 annual fee.

Click here to go to the official Chase website to apply online for the United MileagePlus Explorer now.