Excellent credit credit cards
The following Credit Cards are for People with Excellent Credit. Compare offers side by side and apply online for the card that is right for you. Apply for the Excellent Credit card of your choice by completing a secure online application.
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- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based on your creditworthiness.
- This APR will vary with the market based on the Prime Rate.*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- No annual fee*
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0%* | 18 months on balance transfers and 12 months on purchases* | 11.99%-19.99%* (Variable) | $0* | Yes* | Good Credit* |
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- 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 14.99%.
- This APR will vary with the market based on the Prime Rate.
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0%* | 12 months* | 14.99%* (Variable) | $0* | Yes* | Excellent Credit* |
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- 0% intro APR on Balance Transfers for 12 full months, then the Regular APR
- 0% intro APR on Purchases for 6 full months, then the Regular APR
- Earn $75 Cashback Bonus when you make $500 in purchases in your first three months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0%* | 12 full months on Balance Transfers; 6 full months on Purchases* | 11.99% - 20.99% (Variable)* | $0* | Yes* | Excellent Credit* |
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- 0% intro APR on Balance Transfers for 15 full months, then the Regular APR
- 0% intro APR on Purchases for 6 full months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0%* | 15 full months on Balance Transfers; 6 full months on Purchases* | 11.99% - 20.99% (Variable)* | $0* | Yes* | Excellent Credit* |
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- No annual fee and the flexibility to pay over time
- Redeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates*
- Earn rewards faster than the standard Bank of America American Express Rewards card with 1.25 points for every net retail purchase dollar*
- Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more
- Free 24/7 Concierge Service
- Access to one of the world's largest and most established travel agency networks
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0%* on Purchases and Balance Transfers | 7 or 10 billing cycles* | 12.99% - 20.99% Variable* on Purchases and Balance Transfers | None* | Yes* | Excellent Credit* |
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- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at top retailers through our online shopping site
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on Balance Transfers for 12 full months, then the Regular APR
- 0% intro APR on Purchases for 6 full months, then the Regular APR
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0%* | 12 full months on Balance Transfers & 6 full months on Purchases * | 11.99% - 20.99% (Variable)* | $0* | Yes* | Excellent Credit* |
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- No annual fee for the first year, then $95 thereafter.
- Earn up to 25,000 bonus miles - good for a free flight.
- Express Approval. Get a decision in less than 60 seconds.
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| N/A* | N/A* | 14.50%* | No annual fee for the first year, then $95 thereafter* | Yes* | Excellent Credit* |
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- Complimentary Crown Room Club® access for you and two guests
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| N/A* | N/A* | 14.50%* | $450.00 | Yes* | Excellent Credit* |
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- Earn 10,000 Membership Rewards® points after first purchase
- Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
- Earn Membership Rewards® points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards
- Pay no interest - that's because you pay in full each month
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| N/A* | N/A* | N/A* | $25.00* | N/A* | Excellent Credit* |
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- 0% intro APR on Balance Transfers for 12 full months, then the Regular APR
- 0% intro APR on Purchases for 9 full months, then the Regular APR
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
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| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0%* | 12 full months on Balance Transfers; 9 full months on Purchases* | 11.99% - 20.99% (Variable)* | $0* | Yes* | Excellent Credit* |
* See the online Excellent Credit card applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button you can review the credit card terms and conditions on the credit card issuer's web site.
