Geeky Insights:

Best Credit Cards for Excellent Credit - April 2020

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DollarGeek's team has spent countless hours researching and analyzing the best credit cards. Start comparing today’s best credit cards and offers, from travel and cash back, to business and balance transfers. We focus on the features that matter: rewards programs, affordable APR, welcome offers and more. Choose a category below and find your best credit card today.

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  • Lowest Transfer Intro APR
  • Lowest Interest Rate
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Showing 1-10 of 36 Credit Cards
OVERALL RATING:
(4.8)

Chase Sapphire Preferred® Card

BEST FOR: High rewards rates on travel and dining
Geek Approved

Chase Sapphire Preferred® Card

OVERALL RATING:
(4.8)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
  • Regular APR:
    15.99% - 22.99% (Variable Rate)
Compare Card Apply Now on Chase's website
Credit Score Range
690
850
Annual Fee
$95
Purcahse Intro APR
N/A
Regular APR
15.99% - 22.99%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
60,000 points
Reward Details:
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Geeky Insight:
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OVERALL RATING:
(4.5)

Southwest Rapid Rewards® Plus Credit Card

Southwest Rapid Rewards® Plus Credit Card

OVERALL RATING:
(4.5)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Regular APR:
    15.99% - 22.99% (Variable Rate)
Compare Card Apply Now on Chase's website
Credit Score Range
690
850
Annual Fee
$69
Purcahse Intro APR
N/A
Regular APR
15.99% - 22.99%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
40,000 points
Reward Details:
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 3,000 bonus points after your Cardmember anniversary.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
  • All points earned count towards Companion Pass.
  • No blackout dates or seat restrictions.
  • Redeem your points for flights, hotel stays, gift cards, access to events, and more.
Geeky Insight:
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OVERALL RATING:
(4.1)

Southwest Rapid Rewards® Priority Credit Card

Southwest Rapid Rewards® Priority Credit Card

OVERALL RATING:
(4.1)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Regular APR:
    15.99% - 22.99% (Variable Rate)
Compare Card Apply Now on Chase's website
Credit Score Range
690
850
Annual Fee
$149
Purcahse Intro APR
N/A
Regular APR
15.99% - 22.99%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
40,000 points
Reward Details:
  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • 7,500 bonus points after your Cardmember anniversary.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 20% back on in-flight drinks and WiFi.
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® hotel and car rental partner purchases.
  • 1 point per $1 spent on all other purchases.
Geeky Insight:
  • No foreign transaction fees.
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OVERALL RATING:
(4.5)

Citi® Diamond Preferred® Card

BEST FOR: One of the lengthiest 0% balance transfer durations

Citi® Diamond Preferred® Card

OVERALL RATING:
(4.5)
  • Purchase Intro APR:
    0% for 21 months
  • Transfer Intro APR:
    0% for 12 months | Transfer Fee: 5% (min $5)
  • Regular APR:
    13.74% - 23.74% (Variable Rate)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
0% for 21 months
Regular APR
13.74% - 23.74%
Rewards Rate
None
Rewards Bonus
None
Reward Details:
  • N/A
Geeky Insight:
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • Get free access to your FICO® score online.
  • With Citi Entertainment℠, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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OVERALL RATING:
(4.6)

Citi® Double Cash Card 18 month BT offer

BEST FOR: Flat rate cash back

Citi® Double Cash Card 18 month BT offer

OVERALL RATING:
(4.6)
  • Purchase Intro APR:
    0% for 18 months
  • Transfer Intro APR:
    N/A | Transfer Fee: 3% (min $5)
  • Regular APR:
    13.99% - 23.99% (Variable Rate)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
0% for 18 months
Regular APR
13.99% - 23.99%
Rewards Rate
2% Cash Back
Rewards Bonus
None
Reward Details:
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
Geeky Insight:
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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OVERALL RATING:
(4.3)

Citi Rewards+℠ Card

BEST FOR: No annual fee + cash back rewards

Citi Rewards+℠ Card

OVERALL RATING:
(4.3)
  • Purchase Intro APR:
    0% for 15 months
  • Transfer Intro APR:
    0% for 15 months | Transfer Fee: 3% (min $5)
  • Regular APR:
    13.49% - 23.49% (Variable Rate)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
0% for 15 months
Regular APR
13.49% - 23.49%
Rewards Rate
1 - 2 points / $1
Rewards Bonus
15,000 points
Reward Details:
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Geeky Insight:
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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OVERALL RATING:
(4.1)

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card

Amalgamated Bank of Chicago Platinum Rewards Mastercard® Credit Card

OVERALL RATING:
(4.1)
  • Purchase Intro APR:
    0% for 18 months
  • Transfer Intro APR:
    0% for 12 months | Transfer Fee: 3% (min $5)
  • Regular APR:
    12.90% - 22.90% (Variable Rate)
Compare Card Apply Now on Amalgamated Bank of Chicago's website
Credit Score Range
690
850
Annual Fee
$0
Purcahse Intro APR
0% for 18 months
Regular APR
12.90% - 22.90%
Rewards Rate
1 - 5 points / $1
Rewards Bonus
$150 statement credit
Reward Details:
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It’s simple: $1 = 1 Point
  • Select Your Rewards Your Way
Geeky Insight:
  • 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 12.90% - 22.90%, based on your creditworthiness
  • No Annual Fee or Foreign Transaction Fee
  • No Foreign Transaction Fee
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OVERALL RATING:
(4.5)

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

BEST FOR: Frequent American Airlines travelers

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

OVERALL RATING:
(4.5)
  • Purchase Intro APR:
    N/A
  • Transfer Intro APR:
    N/A | Transfer Fee: N/A
  • Regular APR:
    15.99% - 24.99% (Variable Rate)
Compare Card Apply Now on Citibank's website
Credit Score Range
720-850
Annual Fee
$0
Purcahse Intro APR
N/A
Regular APR
15.99% - 24.99%
Rewards Rate
1 - 2 miles / $1
Rewards Bonus
70,000 miles
Reward Details:
  • Designed for businesses
  • Limited Time Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
Geeky Insight:
  • No Foreign Transaction Fees
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OVERALL RATING:
(4.7)

Blue Cash Everyday® Card from American Express

BEST FOR: Ongoing rewards in different categories

Blue Cash Everyday® Card from American Express

OVERALL RATING:
(4.7)
  • Purchase Intro APR:
    0% for 15 months
  • Transfer Intro APR:
    0% for 15 months | Transfer Fee: 3% (min $5)
  • Regular APR:
    12.99% - 23.99% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$0
Purcahse Intro APR
0% for 15 months
Regular APR
12.99% - 23.99%
Rewards Rate
1 - 3% Cash Back
Rewards Bonus
$150
Reward Details:
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Terms Apply.
Geeky Insight:
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • No annual fee.
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OVERALL RATING:
(4.7)

American Express Cash Magnet® Card

BEST FOR: Unlimited cash back + low intro APR

American Express Cash Magnet® Card

OVERALL RATING:
(4.7)
  • Purchase Intro APR:
    0% for 15 months
  • Transfer Intro APR:
    0% for 15 months | Transfer Fee: 3% (min $5)
  • Regular APR:
    12.99% - 23.99% (Variable Rate)
Compare Card Apply Now on American Express's website
Credit Score Range
690
850
Annual Fee
$0
Purcahse Intro APR
0% for 15 months
Regular APR
12.99% - 23.99%
Rewards Rate
1.5% Cash Back
Rewards Bonus
$150
Reward Details:
  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Unlimited 1.5% Cash Back on your purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • Don’t wait for your Card in the mail. Start earning cash back before your Card even arrives, if eligible for Instant Card Number.
  • Terms Apply.
Geeky Insight:
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • 0% introductory plan fee on each purchase moved into a plan during the first 15 months from the date of account opening with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. After that, your plan fee will be up to 1.17% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase.
  • No Annual Fee.
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