Best Cards for Excellent Credit 2026

Premium cards with the highest bonuses and best perks, requiring excellent credit scores of 750+. 7 cards requiring excellent credit (750+) with $8,210+ in total sign-up bonus value.

Excellent Credit
750+ FICO
American Express

The Business Platinum Card from American Express

200,000 points
~$2,400 value
Spend Required$20,000 in 3 months
Annual Fee$895
Base Rewards1x on all purchases
5x flights booked directly or via Amex Travel1.5x on purchases $5k+
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Chase

Chase Sapphire Reserve

125,000 points
~$1,875 value
Spend Required$4,000 in 3 months
Annual Fee$550
Base Rewards1x on all purchases
3x dining3x travel10x hotels via portal+1 more
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American Express

The Platinum Card from American Express

80,000 points
~$960 value
Spend Required$8,000 in 6 months
Annual Fee$695
Base Rewards1x on all purchases
5x flights booked directly5x hotels via Amex Travel
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American Express

Hilton Honors Aspire Card

175,000 points
~$875 value
Spend Required$6,000 in 6 months
Annual Fee$550
Base Rewards3x on all purchases
14x Hilton7x restaurants7x flights booked directly
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Capital One

Capital One Venture X

75,000 miles
~$750 value
Spend Required$4,000 in 3 months
Annual Fee$395
Base Rewards2x on all purchases
10x hotels via Capital One Travel5x flights via Capital One Travel
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US Bank

US Bank Altitude Reserve

50,000 points
~$750 value
Spend Required$4,500 in 3 months
Annual Fee$400
Base Rewards1x on all purchases
3x travel3x mobile wallet purchases
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Bank of America

Bank of America Premium Rewards

60,000 points
~$600 value
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1.5x on all purchases
2x travel2x dining
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Frequently Asked Questions

What credit score is considered excellent?

An excellent credit score is generally 750 or above on the FICO scale (300-850). With excellent credit, you qualify for the most competitive cards with the highest sign-up bonuses and best rewards rates.

What are the best cards for excellent credit?

With excellent credit, you can access premium cards like the Chase Sapphire Reserve, Amex Platinum, and Capital One Venture X — cards with the highest bonuses and most valuable perks like lounge access and travel credits.

Will applying for multiple cards hurt my excellent credit?

Each application causes a small, temporary dip (5-10 points) from the hard inquiry. With excellent credit, this is easily absorbed. The bigger factor is keeping utilization low and accounts in good standing.