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 $6,575+ in total sign-up bonus value.

Excellent Credit
750+ FICO
American Express

The Business Platinum Card from American Express

300,000 points
~$1,800 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$20,000 in 15 months
Annual Fee$895
Base Rewards1x on all purchases
5x flights booked directly or via Amex Travel1.5x on purchases $5k+
Monthly spend needed$1,334
Estimated first-year value$905 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.6¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

The Platinum Card from American Express

175,000 points
~$1,050 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$8,000 in 6 months
Annual Fee$895
Base Rewards1x on all purchases
5x flights booked directly5x hotels via Amex Travel
Monthly spend needed$1,334
Estimated first-year value$155 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.6¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Chase

Chase Sapphire Reserve

100,000 points
~$1,000 value
Offer confirmed 2026-09-16
Spend Required$6,000 in 3 months
Annual Fee$795
Base Rewards1x on other purchases
8x Chase Travel purchases, including The Edit4x flights booked directly4x hotels booked directly+1 more
Monthly spend needed$2,000
Estimated first-year value$205
Value assumptions and offer source

1¢ per point: Cash back (statement credit) (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

Offer last checked 2026-09-16.

Offer source

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Bank of America

Bank of America Premium Rewards

60,000 points
~$900 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,000 in 3 months
Annual Fee$95
Base Rewards1.5x on all purchases
2x travel2x dining
Monthly spend needed$1,334
Estimated first-year value$805 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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US Bank

US Bank Altitude Reserve

50,000 points
~$750 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$4,500 in 3 months
Annual Fee$400
Base Rewards1x on all purchases
3x travel3x mobile wallet purchases
Monthly spend needed$1,500
Estimated first-year value$350 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

Existing card-specific editorial estimate; review required. Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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American Express

Hilton Honors Aspire Card

175,000 points
~$700 value (unconfirmed estimate)
Unconfirmed offer
Spend Required$6,000 in 6 months
Annual Fee$550
Base Rewards3x on all purchases
14x Hilton7x restaurants7x flights booked directly
Monthly spend needed$1,000
Estimated first-year value$150 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.4¢ per point: Standard hotel redemption (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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Capital One

Capital One Venture X

75,000 miles
~$375 value (unconfirmed estimate)
Unconfirmed offer
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
Monthly spend needed$1,334
Estimated first-year value-$20 (unconfirmed estimate)

We have not confirmed this offer. The bonus and value are unconfirmed estimates, so check the issuer for the current offer.

Value assumptions and offer source

0.5¢ per point: Statement credit (editorial estimate, 2026-01-31). Subtracts the annual fee; excludes ongoing rewards, credits, interest, and taxes.

This offer has not been checked.

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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.