Please select from the following cards for those with Excellent Credit:
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| Appearance |
Official Name, Features, Rates and Fees |
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Blue Cash Everyday® Card from American Express
- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
- Terms and Restrictions Apply.
| Annual Fee |
Credit Level |
Purchase Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
0% / 12 Mo. |
12.99% - 21.99% Variable |
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Discover it®
- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
- 0% Intro APR* on purchases and balance transfers for 14 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
| Annual Fee |
Credit Level |
Purchase & Transfer Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
0% / 14 Mo. |
10.99% - 22.99% (V)* |
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Discover it®
- The new Discover it card is out to change the way people think about credit cards.
- Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
- Generous…5% Cashback Bonus on up to $1,500 in purchases at Home Improvement Stores now through June with free and easy sign-up. And 1% cash back on all other purchases.*
- Plus a Cashback ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card.
- Flexible…Choose your own due date and pay up to midnight ET online or by phone.
- Human…talk to a real person any time with 100% U.S.-based service.
- 0% Intro APR* on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. *Click apply for Terms & Conditions.
| Annual Fee |
Credit Level |
Purchase & Transfer Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
0% / 6 Mo. |
10.99% - 22.99% (V)* |
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Gold Delta SkyMiles® Credit Card from American Express
- Bonus Miles: Earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership.
- Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
- Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
- Premium Travel Perks: Settle in sooner with Priority Boarding, and enjoy the skies with 20% in-flight savings to use toward meals, beverages, and movies awarded as a statement credit.
- $0 introductory annual fee for the first year, then $95.
- Terms and Restrictions Apply.
| Annual Fee |
Credit Level |
Purchase & Transfer Intro APR / Period |
Normal Rate |
| $0 intro annual fee for the first year, then $95 |
Excellent |
None / None |
15.24% - 19.24% Variable |
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American Express® Premier Rewards Gold Card
- Earn More: earn 25K Membership Rewards® points after you spend $2K during your first three months of Card membership; earn 15K points after you spend $30,000 in one calendar year
- Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
- Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite brands
- Access to Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection.*Underwritten by Amex Assurance Company
- Book two consecutive hotel nights through American Express Travel and receive $75 back at checkout. Restrictions may apply
- $0 introductory annual fee for the first year, then $175
- Terms and Restrictions Apply
| Annual Fee |
Credit Level |
Introductory Offer |
Normal Rate |
| Intro annual fee of $0 for the first year, then $175 |
Excellent |
n/a / n/a |
n/a |
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Citi Simplicity® Card
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
- No late fees - EVER
- No penalty rate - EVER
- No annual fee - EVER
- Save time when you call with fast, personal help, 24 hours a day.
| Annual Fee |
Credit Level |
Purchase & Transfer Intro APR / Period |
Normal Rate |
| $0* |
Excellent |
0%* / 18 Mo.* |
12.99% - 21.99%* (Variable) |
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Blue Sky from American Express®
- Welcome Bonus: earn 7,500 points after you spend $1,000 within the first 3 months of Cardmembership - redeemable for a $100 statement credit.
- Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
- Unlimited Travel Options: Travel with any airline, hotel, cruise, car rental and travel package - with no blackout dates.
- Flexible Bill Payments: pay your bill all at once or over time.
- No annual membership fee and 0% intro APR on purchases for the first 12 months, after that, your APR will be a variable rate, currently 17.24%- 22.24%.
- Terms and Restrictions Apply.
| Annual Fee |
Credit Level |
Purchase Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
0% / 12 Mo. |
17.24% - 22.24% Variable |
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American Express® Gold Card
- Access to Exclusive Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection
- Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite merchants
- Get discounts and low rates at hotels and resorts, plus a $75 hotel credit when you book through Gold Hotel Collection
- $0 introductory annual fee for the first year, then $125
- Terms and Restrictions Apply
| Annual Fee |
Credit Level |
Introductory Offer |
Normal Rate |
| Intro annual fee of $0 for the first year, then $125 |
Excellent |
n/a / n/a |
n/a |
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TrueEarnings® Card from Costco and American Express
- 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%
- 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
- Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon
- The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members
- Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company
- Terms and restrictions apply.
| Annual Fee |
Credit Level |
Purchase Intro APR / Period |
Normal Rate |
| No Annual Fee with your paid Costco Membership |
Excellent |
0% / 6 Mo. |
15.24% variable |
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The Platinum Card® from American Express
- Earn 25K Membership Rewards® points after you spend $2,000 during your first three months of Card membership
- Premium travel benefits: access over 600 lounges worldwide when you enroll in Priority Pass™ Select, no foreign transaction fees
- Receive up to $200 annually in a statement credit with the airline of your choice to use towards baggage fees, flight-change fees, in-flight food and beverage purchases and more
- 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
- Entertainment benefits: get Advance Tickets before the public and access once in a lifetime events with By Invitation Only®
- Terms and restrictions apply
| Annual Fee |
Credit Level |
Introductory Offer |
Normal Rate |
| $450 |
Excellent |
n/a / n/a |
n/a |
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Citi ThankYou® Preferred Rewards Card
- Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
- 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on all purchases
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love
- Travel with ease and enjoy global acceptance with Chip Technology
- No annual fee*
| Annual Fee |
Credit Level |
Balance Transfer Intro APR / Period |
Normal Rate |
| $0* |
Excellent |
0% / 12 Mo.* |
12.99%-22.99%* (Variable) |
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Starwood Preferred Guest® Credit Card from American Express
- Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
- That’s enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel
- Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates
- Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
- Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
- No limits on the number of Starpoints you can earn
- $0 introductory annual fee for the first year, then $65
- Terms and Restrictions apply.
| Annual Fee |
Credit Level |
Purchase & Transfer Intro APR / Period |
Normal Rate |
| $0 intro annual fee for the first year, then $65 |
Excellent |
None / None |
15.24% - 19.24% variable |
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The Plum Card® from American Express OPEN
- Flexible Payment Options: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
- Do Business On Your Terms
- $0 introductory annual fee for your first year, then $250.
- No annual fee for Additional Cards
- Terms & Restrictions Apply
| Annual Fee |
Credit Level |
Introductory Offer |
Normal Rate |
| $0 intro annual fee for the first year, then $250 |
Excellent |
n/a / n/a |
n/a |
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Citi ThankYou® Card
- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- Travel with ease and enjoy global acceptance with Chip Technology
- No annual fee*
| Annual Fee |
Credit Level |
Purchase & Transfer Intro APR / Period |
Normal Rate |
| $0* |
Excellent |
0%* / 15 Mo.* |
12.99%-22.99%* (Variable) |
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Iberiabank Visa® Gold Card
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
- Introductory APR on Balance Transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- 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
| Annual Fee |
Credit Level |
Balance Transfer Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
1.99% / 6 billing cycles |
9.25%, 12.25%, or 15.25% |
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Iberiabank Visa® Classic Card
- No annual membership fee
- Low variable rate of 7.25%, 10.25%, or 13.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
- Low Introductory APR on Balance Transfers of 1.99% for 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Online access to credit card account information
| Annual Fee |
Credit Level |
Balance Transfer Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
1.99% / 6 billing cycles |
7.25%, 10.25%, or 13.25% |
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Iberiabank Visa® Platinum Card
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% based on the creditworthiness. This APR will vary with the market based on the Prime Rate.
- Introductory APR on balance transfers of 1.99% for your first 6 billing cycles. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Earn 1 bonus point for every $1 in qualifying net retail purchases, can redeem for merchandise with as little as 700 points.
- Turn your points into hotel, gift, or experience rewards
- Product Enhancements include: Auto Rental Collision Damage Waiver, Roadside Dispatch and Travel Emergency Services.
- Online access to credit card account information
| Annual Fee |
Credit Level |
Balance Transfer Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
1.99% / 6 billing cycles |
9.25%, 12.25%, or 15.25% |
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Virgin America Visa® Signature Card
- Earn up to 15,000 Bonus Points on qualifying transactions
- Enjoy 3 Points per $1 on Virgin America purchases
- Earn 1 Point per $1 spent everywhere else
- Low Intro rate on balance transfers for the first 15 months after account opening
- $150 off a companion ticket every year
- No blackout dates on any seat, at any time for reward flights
- Please see terms and conditions for complete details
| Annual Fee |
Credit Level |
Balance Transfer Intro APR / Period |
Normal Rate |
| $49 |
Excellent |
0% / 15 billing cycles |
15.99% or 24.99% (Variable) |
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The L.L.Bean Visa Card
- No Annual Fee
- Earn 3% rewards on L.L.Bean purchases
- Earn 1% rewards on all other purchases
- Receive $10 L.L.Bean Coupons as you earn them
- Enjoy free returns and free monogramming at L.L.Bean
- Please see terms and conditions for complete detail
| Annual Fee |
Credit Level |
Balance Transfer Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
0% / 12 Mo. |
13.99%-19.99% (Variable) |
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Barclaycard® Ring MasterCard®
- A low 8% variable APR on balance transfers and purchases
- No Annual Fees
- No Balance Transfer Fees - start saving immediately!
- Choose your card benefits and features
- Get rewarded through the new Giveback™ program, where Barclaycard Ring members get money back for good performance
- Get exclusive access to our online community and vote on the card features you like and view the financials of the Barclaycard Ring MasterCard online
- Learn more about personal finance from Barclaycard and other members
| Annual Fee |
Credit Level |
Introductory Offer |
Normal Rate |
| $0 |
Excellent |
n/a / n/a |
8.00% (Variable) |
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U.S. Bank Visa® Platinum Card
- 0% Intro APR* on purchases and balance transfers for 15 billing cycles
- No annual fee*
- Online bill pay for a fast and convenient way to pay bills online with your U.S. Bank Visa® Platinum
- $0 fraud liability* for unauthorized transactions if your card is ever lost or stolen
- Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud
- Online account management and account alerts
| Annual Fee |
Credit Level |
Purchase & Transfer Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
0% / 15 billing cycles |
9.99%-23.99% (Variable) |
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Williams-Sonoma Visa® Signature Card
- Receive 2,500 bonus points upon your first purchase
- Enjoy free Online Shipping for one year
- Earn 3 Points per $1 spent at Williams-Sonoma
- Earn 1 Point per $1 spent everywhere else
- Earn $25 Gift Card bonuses or statement credits
- Exclusive access to culinary experiences around the world
- Plus no annual fee
- Please see terms and conditions for complete detail
| Annual Fee |
Credit Level |
Balance Transfer Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
0% / 15 billing cycles |
13.74%-21.74% (Variable) |
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The US Airways Premier World MasterCard®
- Earn up to 40,000 bonus miles on qualifying transactions
- EXCLUSIVE: Redeem flights for 5,000 fewer miles
- Zone 2 boarding on every flight
- Enjoy 2 miles per $1 spent on US Airways purchases
- Earn 1 mile per $1 spent everywhere else
- Annual companion certificate good for round-trip travel for up to 2 companions at $99 each, plus taxes and fees
- First Class check-in
- Please see terms and conditions for complete details
| Annual Fee |
Credit Level |
Balance Transfer Intro APR / Period |
Normal Rate |
| $89 |
Excellent |
0% / for the first 15 Mo. |
15.99% or 24.99% (Variable) |
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The Lufthansa Premier Miles & More World MasterCard®
- Earn 20,000 award miles after your first purchase
- Earn an additional 30,000 award miles when you spend $5,000 on purchases in the first 90 days
- Cardholders receive a companion ticket annually.
- Enjoy 2 award miles per $1 on Miles & More integrated airline ticket purchases
- Earn 1 award mile per $1 spent everywhere else
- No mileage expiration with monthly qualifying purchases
- 0% Intro APR on purchases and balance transfers for the first 12 months after account opening, after that a variable APR currently 15.99% to 24.99% depending upon your creditworthiness.
- Please see terms and conditions for complete details
| Annual Fee |
Credit Level |
Purchase & Transfer Intro APR / Period |
Normal Rate |
| $79 |
Excellent |
0% / 12 billing cycles* |
15.99% or 24.99%* (Variable) |
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LifeMiles Visa Signature® Card
- Earn 1 LifeMile for every net $1 you spend
- 20,000 bonus LifeMiles with your first card use
- 6,000 bonus LifeMiles with your annual credit card renewal
- Double LifeMiles on Avianca and TACA Airlines ticket purchases
- 50% Excess Baggage Redemption Discount on TACA Airlines
- $0 Introductory Annual Fee for the first year, thereafter $75*
| Annual Fee |
Credit Level |
Introductory Offer |
Normal Rate |
| $0 1st year, then $75 |
Excellent |
n/a / n/a |
12.99%-19.99% (Variable) |
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Citi® Hilton HHonorsTM Reserve Card
- Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*
- Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
- Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
- Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
- Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
- No foreign transaction fees on purchases*
- Travel with ease and enjoy global acceptance with your Citi chip credit card
- Earn an anniversary bonus of 1 weekend night certificate at select hotels and resorts within the Hilton HHonors portfolio each cardmembership year with qualifying purchases*
| Annual Fee |
Credit Level |
Introductory Offer |
Normal Rate |
| $95* |
Excellent |
n/a* / n/a* |
15.24%* (Variable) |
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LANPASS Visa Signature® Card
- 1 LANPASS Mile for every $1 you spend
- No Cap on Miles Earned
- 20,000 Bonus Miles with your first card use
- 4,000 Bonus Miles with your annual credit card renewal
- Double Miles on LAN ticket purchases
- $0 Introductory Annual Fee for the first year, thereafter $75*
- No annual fee for the first year ($75 thereafter)*
- 20% discount on LAN purchase (up to $1,000) 1 time per year
| Annual Fee |
Credit Level |
Introductory Offer |
Normal Rate |
| $0 1st year, then $75 |
Excellent |
n/a / n/a |
12.99%-19.99% (Variable) |
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Harley-Davidson® Visa® Credit Card
- Earn 3 points for every $1 spent at Harley-Davidson® dealerships*
- Earn 2 points for every $1 spent at gas stations, restaurants, bars, and lodging merchants*
- Earn 1 point for every $1 everywhere else, redeem points for Harley Chrome® Cash*
- No limit to how much Harley Chrome® Cash you can earn
- Chances to win a new Harley-Davidson® motorcycle every month*
- No Annual Fee
| Annual Fee |
Credit Level |
Introductory Offer |
Normal Rate |
| $0 |
Excellent |
n/a / n/a |
13.99%-22.99% (Variable) |
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1-2-3 REWARDS® Visa® Card
- Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers
- Earn free groceries faster at Kroger, King Soopers, Dillons Smith's, Fry's and QFC
- 3 points per $1 spent on Kroger family of brand products
- 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers)
- 1 point per $1 spent anywhere Visa Cards are accepted
- Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter
- 0% intro APR* for 9 billing cycles on purchases and balance transfers
- $0 annual fee*
| Annual Fee |
Credit Level |
Purchase & Transfer Intro APR / Period |
Normal Rate |
| $0 |
Excellent |
0% / 9 billing cycles |
13.99%-23.99% (Variable) |
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U.S. Bank FlexPerks® Travel Rewards Visa Signature® card
- Get 17,500 bonus FlexPoints after the first $2,500 in net purchases in the first 150 days
- Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or redemption fees
- Earn one FlexPoint for every $1 of eligible net purchases charged to your card
- Earn two FlexPoints for every $1 spent on gas, grocery or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
- Earn Triple FlexPoints for your charitable donations
- $0 Annual Fee* the first year, after that $49*
- Earn 3,500 bonus FlexPoints each year when you spend $24,000 in Net Purchases. You can redeem these FlexPoints for your annual fee or combine them with other FlexPoints for travel
| Annual Fee |
Credit Level |
Purchase & Transfer Intro APR / Period |
Normal Rate |
| $0 1st year, then $49 |
Excellent |
0% / 12 billing cycles |
13.99%-23.99% (Variable) |
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Blue Cash Preferred® Card from American Express
- Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- Terms and Restrictions Apply.
| Annual Fee |
Credit Level |
Purchase Intro APR / Period |
Normal Rate |
| $75 |
Excellent |
0% / 12 Mo. |
12.99% - 21.99% Variable |
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* See the online credit card application and web site for specific terms and conditions of any offer.
Reasonable efforts are made to maintain the accuracy of the information presented on this website.
All information is presented without warranty. You can click on the "CLICK TO APPLY" graphic to examine the credit card terms and conditions directly on the credit card issuer's web site.
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