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Excellent Credit
For consumers with excellent credit, credit card issuers offer low interest rates, generous rewards, and outstanding benefits. Consumers with excellent credit are highly attractive customers for MasterCard, Visa, American Express and Discover Card issuers. As an excellent credit consumer, you will have your choice of the best credit card companies have to offer.
- When you shop with Blue Cash, you can earn up to 5% cash back on every eligible purchase
- No Annual Fee
- 0% Intro APR for 6 months on purchases
- Express Approval. Get a decision in less than 60 seconds.
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| See Terms* | See Terms* | 17.24%-21.24% Variable | No Annual Fee | Yes | Excellent |
- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel.
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds.
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| See Terms* | See Terms* | 15.24% | See Terms* | Yes | Excellent |
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in 60 seconds.
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | N/A | $125 annual fee | No | Excellent |
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Limit on the Cash Back earned
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| See Terms* | See Terms* | 15.24% | See Terms* | Yes | Excellent |
- No annual membership fee
- Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Online access to credit card account information
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | 7.25%, 10.25%, or 13.25% | None | Yes | Excellent |
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Earn 1% in cash back credit on all qualifying purchases
- No limit on cash back; no expiration date on eligibility for accounts in good standing
- Travel accident coverage up to $500,000
- Online access to credit card account information
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | 9.25%, 12.25%, or 15.25% | None | Yes | Excellent |
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- Online access to credit card account information
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | 9.25%, 12.25%, or 15.25% | None | Yes | Excellent |
- Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Earn one companion Coach Class ticket each year upon renewal
- Earn at least 1 mile for every eligible dollar spent
- Miles never expire and there is no cap on the miles you can earn
- Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
- Express Approval. Get a decision in less than 60 seconds.
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| See Terms* | See Terms* | 14.50% | $150 per year | No | Excellent |
- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership - redeemable for one domestic round-trip Coach-Class airline ticket!
- Airport Club Access: Access airport lounges around the world, compliments of Airport Club Access Program.
- 24-Hour Concierge Service: From buying gifts to making reservations, the Platinum Card(R) Concierge is at your service so you can spend your energy doing what you want.
- FINE HOTELS & RESORTS: Receive special amenities and comforts when staying at more than 600 boutique, resort and luxury hotels around the world.
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| N/A | N/A | N/A | $450 annual fee | No | Excellent |
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
- Built-in Miles BoostSM - earn up to 30,000 MQMs and 30,000 bonus miles
- Complimentary Crown Room Club(R) access for you and two guests
- Access to American Express(R) Concierge Services
- Pay with Miles - pay for all or part of any Delta flight with your miles
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed |
| See Terms* | See Terms* | 14.50% | $450 per year | No | Excellent |
