What is the best credit card for excellent credit ?
If you have an excellent credit score (750–800+), you can qualify for some of the best rewards, cashback and premium travel credit cards in the USA.
My overall recommendation is the Chase Sapphire Preferred for flexible travel rewards, or Wells Fargo Active Cash for simple cashback.
Top 7 credit cards for excellent credit in the USA
November 2026 · Based on rewards, benefits and annual fees
The best starter travel credit cards for beginners - The Points Guy
1. Chase Sapphire Preferred
Best overall travel rewards
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Annual fee: $95
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Flexible Chase Ultimate Rewards points
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Airline and hotel transfer partners
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Travel and dining rewards
Official website
Wells Fargo Active Cash Card Review: 2% Cash Back With a Bonus - NerdWallet
2. Wells Fargo Active Cash
Getting Airport Lounge Access With a Credit Card | Capital One
3. Capital One Venture X
Newsroom | Business Wire
4. American Express Platinum
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Annual fee: $895
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Premium airport lounge access
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Luxury hotel and travel benefits
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Membership Rewards points
Official website
Capital One Cash Back Credit Cards | Capital One
5. Capital One Savor
This Is The Perfect Card For Dining And Groceries: American Express Gold Card Review
6. American Express Gold
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Annual fee: $325
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4X points at eligible restaurants
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4X points at US supermarkets, subject to limits
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Membership Rewards points
Official website
7. Chase Sapphire Reserve
NerdWallet+3
Which card should you choose?
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Your priority
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My choice
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Best overall travel
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Chase Sapphire Preferred
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Best cashback
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Wells Fargo Active Cash
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Best premium travel
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Capital One Venture X
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Best luxury benefits
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Amex Platinum
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Best dining and groceries
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Amex Gold
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Best no-annual-fee rewards
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Capital One Savor
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Understand excellent credit scores
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FICO score
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Credit category
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300–579
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Poor
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580–669
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Fair
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670–739
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Good
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740–799
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Very Good
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800–850
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Exceptional
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