You qualify for the best cards with top-tier perks. We found 22 cards that match your credit profile.
#1
Annual Fee$95
APR21.49%-28.49%
Sign-Up Bonus60,000 points after $4,000 in 3 months
Credit ScoreGood to Excellent (670+)
Rewards: 5X travel via Chase, 3X dining/streaming, 2X other travel, 1X everything
Travel Rewardsrewards
- Points worth 25% more via Chase Travel
- Transfer to airlines/hotels
- Trip cancellation insurance
- Primary car rental coverage
#2
Annual Fee$550
APR22.49%-29.49%
Sign-Up Bonus60,000 points after $4,000 in 3 months
Credit ScoreExcellent (720+)
Rewards: 10X hotels/car via Chase, 5X flights via Chase, 3X dining/travel, 1X everything
Travel Rewardsrewards
- $300 annual travel credit
- Points worth 50% more via Chase Travel
- Priority Pass lounge access
- Global Entry/TSA Pre credit
#3
Annual Fee$0
APR20.49%-29.24%
Sign-Up Bonus$200 after $500 in 3 months
Credit ScoreGood (670+)
Rewards: 6.5% drugstores (yr 1), 4.5% dining (yr 1), 3% dining/drugstores, 1.5% everything
Intro APR: 0% intro APR for 15 months
Balance Transfer: 0% intro APR for 15 months
Cash BackNo Annual Fee
- No annual fee
- 0% intro APR for 15 months
- Great companion to Sapphire cards
- Earn Ultimate Rewards points
#4
Annual Fee$0
APR20.49%-29.24%
Sign-Up Bonus$200 after $500 in 3 months
Credit ScoreGood (670+)
Rewards: 5% rotating categories (up to $1,500/quarter), 3% dining/drugstores, 1% everything
Intro APR: 0% intro APR for 15 months
Balance Transfer: 0% intro APR for 15 months
Cash BackNo Annual Fee
- 5% rotating quarterly categories
- No annual fee
- Cell phone protection
- 0% intro APR for 15 months
#5
Annual Fee$250
APR29.99%-29.99%
Sign-Up Bonus60,000 points after $6,000 in 6 months
Credit ScoreGood to Excellent (670+)
Rewards: 4X restaurants worldwide, 4X US supermarkets (up to $25k/yr), 3X flights, 1X everything
Travel Rewardsrewards
- $120 dining credits
- $120 Uber Cash annually
- 4X on dining and groceries
- Membership Rewards points
#6
Annual Fee$695
APR29.99%-29.99%
Sign-Up Bonus80,000 points after $8,000 in 6 months
Credit ScoreExcellent (720+)
Rewards: 5X flights via Amex Travel/airlines, 1X everything else
Travel Rewardsrewards
- $200 airline fee credit
- $200 hotel credit
- Centurion Lounge access
- $240 digital entertainment credit
- Global Entry/TSA Pre credit
#7
Annual Fee$95
APR19.24%-29.99%
Sign-Up Bonus$250 after $3,000 in 6 months
Credit ScoreGood (670+)
Rewards: 6% US supermarkets (up to $6k/yr), 6% streaming, 3% transit/gas, 1% everything
Intro APR: 0% intro APR for 12 months
Balance Transfer: 0% intro APR for 12 months
Cash Back
- 6% back on groceries
- 6% on streaming subscriptions
- 0% intro APR
- Great for families
#8
Annual Fee$0
APR19.24%-29.99%
Sign-Up Bonus$200 after $2,000 in 6 months
Credit ScoreGood (670+)
Rewards: 3% US supermarkets (up to $6k/yr), 3% US online retail, 3% gas, 1% everything
Intro APR: 0% intro APR for 15 months
Balance Transfer: 0% intro APR for 15 months
Cash BackNo Annual Fee
- No annual fee
- 3% on groceries, gas & online
- 0% intro APR for 15 months
- Solid everyday card
#9
Annual Fee$0
APR19.24%-29.24%
Sign-Up Bonus$200 after $1,500 in 6 months
Credit ScoreGood (670+)
Rewards: 2% on everything (1% when you buy + 1% when you pay)
Balance Transfer: 0% intro APR for 18 months
Cash BackBalance TransferNo Annual Fee
- Flat 2% on everything
- No annual fee
- 18-month 0% balance transfer APR
- No category tracking needed
#10
Annual Fee$0
APR19.24%-29.24%
Sign-Up Bonus$200 after $1,500 in 6 months
Credit ScoreGood (670+)
Rewards: 5% on your top eligible spend category (up to $500/cycle), 1% everything else
Intro APR: 0% intro APR for 15 months
Balance Transfer: 0% intro APR for 15 months
Cash BackNo Annual Fee
- Auto 5% in your top category
- No annual fee
- 0% intro APR
- Categories: restaurants, gas, groceries, travel, transit, streaming, drugstores, home improvement, fitness, entertainment
#11
Annual Fee$95
APR21.24%-29.24%
Sign-Up Bonus60,000 points after $4,000 in 3 months
Credit ScoreGood to Excellent (670+)
Rewards: 3X flights/hotels, 3X restaurants, 3X supermarkets, 3X gas, 1X everything
Travel Rewardsrewards
- 3X on flights, hotels, restaurants, supermarkets & gas
- No foreign transaction fees
- Transfer to airline/hotel partners
- $100 annual hotel savings
#12
Annual Fee$395
APR19.99%-29.99%
Sign-Up Bonus75,000 miles after $4,000 in 3 months
Credit ScoreExcellent (720+)
Rewards: 10X hotels/cars via Capital One Travel, 5X flights via Capital One Travel, 2X everything else
Travel Rewardsrewards
- $300 annual travel credit
- 10,000 bonus miles anniversary
- Priority Pass & Capital One Lounges
- Transfer to 15+ airline/hotel partners
#13
Annual Fee$0
APR19.99%-29.99%
Sign-Up Bonus$200 after $500 in 3 months
Credit ScoreGood (670+)
Rewards: 3% dining/entertainment/streaming/groceries, 5% hotels/car via Capital One Travel, 1% everything
Intro APR: 0% intro APR for 15 months
Balance Transfer: 0% intro APR for 15 months
Cash BackNo Annual Fee
- No annual fee
- 3% on dining, entertainment & groceries
- No foreign transaction fees
- 0% intro APR for 15 months
#14
Annual Fee$0
APR19.99%-29.99%
Sign-Up Bonus$200 after $500 in 3 months
Credit ScoreGood (670+)
Rewards: 1.5% unlimited cash back on every purchase
Intro APR: 0% intro APR for 15 months
Balance Transfer: 0% intro APR for 15 months
Cash BackNo Annual Fee
- Flat 1.5% on everything
- No annual fee
- No foreign transaction fees
- 0% intro APR for 15 months
#15
Annual Fee$0
APR17.24%-28.24%
Sign-Up BonusCashback Match (all cash back matched end of first year)
Credit ScoreGood (670+)
Rewards: 5% rotating categories (up to $1,500/quarter), 1% everything else
Intro APR: 0% intro APR for 15 months
Balance Transfer: 0% intro APR for 15 months
Cash BackStudent & StarterNo Annual Fee
- Cashback Match doubles first-year rewards
- 5% rotating categories
- No annual fee
- No foreign transaction fees
- Free FICO score
#16
Annual Fee$0
APR20.24%-29.99%
Sign-Up Bonus$200 after $500 in 3 months
Credit ScoreGood (670+)
Rewards: 2% unlimited cash rewards on purchases
Intro APR: 0% intro APR for 15 months
Balance Transfer: 0% intro APR for 15 months
Cash BackBalance TransferNo Annual Fee
- Flat 2% on everything
- No annual fee
- 0% intro APR for 15 months
- Cell phone protection
#17
Annual Fee$0
APR19.24%-29.49%
Sign-Up BonusNone
Credit ScoreGood (670+)
Rewards: 3% Apple/select merchants, 2% Apple Pay, 1% everything else
Cash BackNo Annual Fee
- Daily Cash rewards
- No fees whatsoever
- Titanium card
- Built into Apple Wallet
- No foreign transaction fees
#18
Annual Fee$0
APR20.49%-28.49%
Sign-Up Bonus$200 Amazon Gift Card upon approval
Credit ScoreGood (670+)
Rewards: 5% Amazon/Whole Foods (with Prime), 2% restaurants/gas/transit, 1% everything
Cash BackNo Annual Fee
- 5% back at Amazon & Whole Foods
- No annual fee (requires Prime)
- No foreign transaction fees
- Great for Amazon shoppers
#19
Annual Fee$0
APR29.99%-29.99%
Sign-Up BonusNone
Credit ScorePoor to Fair (300+)
Rewards: No rewards
Secured CardsStudent & Starter
- No annual fee
- Refundable security deposit from $49
- Build credit with responsible use
- Automatic credit line reviews
- Reports to all 3 bureaus
#20
Annual Fee$0
APR28.24%-28.24%
Sign-Up BonusCashback Match (first year)
Credit ScorePoor to Fair (300+)
Rewards: 2% gas/restaurants (up to $1,000/quarter), 1% everything else
Secured CardsStudent & Starter
- Earn cash back even on secured card
- Cashback Match first year
- No annual fee
- Automatic reviews for upgrade
- Free FICO score
#21
Annual Fee$95
APR21.24%-26.24%
Sign-Up Bonus90,000 points after $8,000 in 3 months
Credit ScoreGood to Excellent (670+)
Rewards: 3X travel, shipping, internet/cable/phone, advertising (up to $150k/yr), 1X everything
Business
- 90,000 point welcome bonus
- 3X on key business categories
- Points worth 25% more via Chase Travel
- Cell phone protection
- Employee cards at no extra cost
#22
Annual Fee$375
APR19.49%-27.49%
Sign-Up Bonus70,000 points after $10,000 in 3 months
Credit ScoreGood to Excellent (670+)
Rewards: 4X on 2 categories where you spend most each month (up to $150k/yr), 1X everything
Business
- Auto 4X in top 2 spending categories
- Flexible Membership Rewards points
- Year-over-year spending insights
- Extended warranty protection
Maximizing Rewards with Excellent Credit
With a credit score of 720 or above, you qualify for every card on the market, including premium travel cards with the highest sign-up bonuses and most valuable perks. Your excellent credit also means you will typically receive the lowest APR within any card's range.
At this credit tier, the question is not what you can get, but what strategy maximizes your return. Consider pairing a premium travel card (Chase Sapphire Reserve or Amex Platinum) with a no-annual-fee card for everyday spending. This two-card setup can yield 3-5% effective returns across all categories while providing airport lounge access, travel insurance, and statement credits that offset annual fees.
Keep your credit excellent by maintaining utilization below 10%, making all payments on time, and only applying for new cards strategically (avoid more than 5 new applications in 24 months for Chase cards under the 5/24 rule).
