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About Our Ratings

Please note: we are not a lender and do not issue credit or loans ourselves. Instead, we work in partnership with reputable credit card companies and lending institutions to connect you with potential offers. All terms—such as interest rates, fees, and approval criteria—are set solely by the lenders and are beyond our control. We do not make credit decisions, nor do we broker or process online loans or lines of credit. Our role is to share your information with our partners to help match you with available offers. However, submitting your information does not guarantee approval. The operator of this website is not a broker, agent, or representative of any lender or credit provider.

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Advertiser Disclosure

We maintain paid partnerships with certain credit card issuers and lending institutions, which means we may receive compensation when you apply for or are approved for financial products through links on our site. While these relationships may influence how products are ranked or featured, we are committed to providing accurate, honest, and helpful information to assist your financial decision-making. Please note that our listings may not cover every available product or offer from all financial institutions.

Excellent Credit - Credit Cards

When you have excellent credit, the real challenge isn’t getting approved—it’s choosing the best offer. With top-tier credit, you’re eligible for premium credit cards that come packed with perks like low interest rates, generous rewards, and exclusive benefits. But with so many great options out there, it’s smart to compare a few before making your pick. To make things easier, we’ve rounded up some of the best credit cards for people with excellent credit—so you can find the perfect match for your lifestyle and financial goals.

☆   Card Spotlight
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Today’s Featured Card

Upgrade Triple Cash Rewards Visa®

See if you qualify in minutes without hurting your credit score

  • Rating

  • Credit Recommended

    Good/Excellent

  • Regular Purchase APR

    14.99% -29.99%

  • Annual Fee

    $0.00

  • Updated For

    Sun 03 Aug 2025

  • Full Details

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Destiny® Mastercard® – Up to 3% Cashback Rewards

No security deposit required—get started today!

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair

  • Annual Fee

    $175 the first year; $49 thereafter

  • Regular Purchase APR

    35.90%

  • Rewards

    Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases

  • Full Details

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Highlights

  • A rewards card for people with less-than-perfect credit!
  • Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
  • A guaranteed $700 credit limit to help you build access to credit, if approved.
  • With Cashback Rewards, you get to live like an A-lister.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
  • No security deposit required—get started today!
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Aspire® Cash Back Rewards Mastercard

Up to $1,000 credit limit subject to credit approval

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair

  • Annual Fee

    $85-$175 first year, $229 thereafter

  • Regular Purchase APR

    36% Fixed

  • Rewards

    Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases

  • Full Details

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Highlights

  • Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free Access to your Credit Score†

*See Program Terms for important information about the cash back rewards program.

** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.

† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

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Milestone® Mastercard® – 1.5% Cashback Rewards

Unlimited 1.5% Cashback Rewards earned on every purchase

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    Unlimited 1.5% Cashback Rewards earned on every purchase

  • Full Details

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Highlights

  • Turn everyday purchases into 1.5% Cashback Rewards!
  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
  • No upfront security deposit required so you can keep more money in your pocket.
  • Join over a million consumers who are working on building their access to credit.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • A rewards card for people with less than perfect credit!
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Upgrade Select Visa®

See if you qualify in minutes without hurting your credit score

  • Card Brand

    Visa

  • Credit Recommended

    Fair

  • Annual Fee

    $39.00

  • Regular Purchase APR

    21.96% -29.99%

  • Rewards

    Up to 10% cash back from your favorite brands with Upgrade Shopping

  • Full Details

    Card Page

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Combine the fl exibility of a card with the predictability of a personal loan
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • See if you qualify in seconds with no impact to your credit score
  • No touch payments with contactless technology built in
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

State Exclusions: DC, IA, WV, WI, CT, GA, MA

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20415490542747-Upgrade-Select-Card-details

Card Details Page
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Upgrade Cash Rewards Visa®

1.5% unlimited cash back on every purchase

  • Card Brand

    MasterCard

  • Credit Recommended

    Good/Excellent

  • Annual Fee

    $0.00

  • Regular Purchase APR

    14.99% -29.99%

  • Rewards

    1.5% unlimited cash back on every purchase

  • Full Details

    Card Page

Highlights

    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
    • 1.5% unlimited cash back on every purchase
    • No annual fee
    • See if you qualify in seconds with no impact to your credit score
    • Combine the fl exibility of a card with the predictability of a personal loan
    • Enjoy Visa Signature benefi ts, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
    • Up to 10% cash back from your favorite brands with Upgrade Shopping
    • Contactless payments with Apple Pay® and Google Wallet™
    • Mobile app to access your account anytime, anywhere
    • Use your card anywhere Visa is accepted

Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

State Exclusions: DC, GA, IA, MA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20952319319067

Card Details Page
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Upgrade Life Rewards Visa®

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

  • Card Brand

    Visa

  • Credit Recommended

    Good/Excellent

  • Annual Fee

    $0.00

  • Regular Purchase APR

    14.99% -29.99%

  • Rewards

    3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases

  • Full Details

    Card Page

Highlights

    • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
    • 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
    • No annual fee
    • Pay no interest when you pay your full balance early**
    • Enjoy Visa Signature benefi ts, like Roadside Dispatch, Price Protection, Extended Warranty and more
    • Up to 10% cash back from your favorite brands with Upgrade Shopping
    • No touch payments with contactless technology built in
    • See if you qualify in seconds with no impact to your credit score
    • Great for everyday expenses and large purchases with predictable payments you can budget for
    • Mobile app to access your account anytime, anywhere
    • Use your card anywhere Visa is accepted

Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

EarlyPay Disclosure: **By paying off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.

State Exclusions: DC, GA, IA, MA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/10219761084443-Upgrade-Life-Rewards-Card-Details

Card Details Page