The best credit cards for excellent credit provide some solid rewards and perks that can enhance your experience as a cardholder. If you have excellent credit — typically considered to be a VantageScore above 780 or a FICO® score of 800 or higher — you’ll have a chance to qualify for some of the best credit cards available on the market.

2 days ago - The best credit card for credit scores above 800 is the Chase Sapphire Preferred® Card, since it offers 1 - 5 points per $1 on purchases, plus a bonus of 75,000 points for spending $5,000 on purchases in the first 3 months.

An 800 credit score is considered an excellent credit score by the credit scoring models.

However, credit score alone does not guarantee or imply approval for any financial product. ... Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases with a $39 annual fee · No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash.

February 12, 2024 - When you already have a great credit score, it can be tempting to open new credit cards. You likely qualify for low rates, and today’s rewards programs can be enticing. However, to get to an 800-plus score, you should only borrow money as needed.

4 days ago - Terms apply; see the online credit card application for full terms and conditions of offers and rewards. You don’t have to have an excellent credit score (that’s a Fico score in the 800-850 range) in order to qualify for a credit card.

Answer (1 of 2): If you qualify for getting into Navy Federal Credit Union, their Flagship card has credit limits up to $80,000 and their customer service is excellent. Penfed Credit Union offers cards with limits up to $50,000 with lower interest ...

1 week ago - The highest possible credit score is 850 with both FICO and VantageScore, but any score of 800+ with FICO or 748+ with VantageScore is considered excellent. Possibly, but issuers also weigh income and history. If your profile is thin, start with a no-fee or mid-tier card before moving up.

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October 14, 2024 - With a credit score of 800 or higher, there’s a good chance you’d be approved for any loan or mortgage you might seek – as long as you meet any additional lender requirements, like debt-to-income ratio limits. A top-tier credit score may also help you qualify for credit cards with more exclusive perks, such as rewards programs with high points–earning potential, airport lounge access, travel credits, and more.3,4

July 22, 2025 - Credit mix (10%): This reflects the variety of credit types under your name, such as credit cards, auto loans or mortgages. Successfully managing different forms of credit can have a positive effect on credit score calculations. Applying for new credit (10%): Applying for credit typically results in a hard inquiry that can temporarily lower your score. Factors such as income and employment status can play a role in credit approval, but they don't have a direct effect on credit scores. It's inarguable that most consumers with 800 plus FICO® Scores are older, no matter how elastic one's definition of "older" is.

April 22, 2025 - One of the biggest perks of having an 800 credit score is access to better credit offers. With such a high credit score, you’ll be an ideal candidate for all of today’s best credit cards, including credit cards for people with excellent credit.

3 days ago - I was especially drawn to its terrific ... editor Alternatives: If you want more consistent rewards throughout the year, Chase Freedom Flex℠ provides the same high-rate rewards on rotating categories along with year-round bonus ...

July 27, 2021 - A healthy mix of credit types, “such as credit cards, installment loans and mortgages – can help improve your credit score.” The credit mix makes up 10% of the FICO credit score. On average, those with an 800 plus credit score have 7.9 open credit accounts. The number of new credit accounts and hard inquiries for ...

February 1, 2020 - An excellent credit score (800 to 850) allows you to qualify for the best credit card offers. Most of the top cards require good or excellent credit if you want to earn lucrative rewards, benefit from 0% APR periods and enjoy a bunch of luxury perks.

November 6, 2025 - Apply for a secured credit card ... approved for a traditional credit card. This type of credit card requires a cash deposit in the amount of the credit limit that operates as collateral. Lenders want to see a long history of responsible credit, so lengthening your credit history can help you raise your credit score to 800...

July 22, 2018 - So during the time I know for sure that my FICO score has been above 800, I've had an old Capital One VISA Platinum card, a Simmons card, an American Express BCE (subsequently "upgraded" to BCP), and a BECU card. Credit Scores: (FICO 8) 844 Experian November 2025, 836 TransUnion November 2025 Credit Cards (newest to oldest): U.S.

There’s no easy credit card to get. Credit card approval isn’t guaranteed and depends on many factors, like your credit history and income. If you have an established credit history and good credit score, you may find you can get approved for many cards.