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Best Credit Cards of May 2022 for Excellent Credit

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6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases

Blue Cash Preferred® Card from American Express
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On American Express's secure site
Terms Apply
Rewards Rate
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) , 1% Cash Back on other eligible purchases
Welcome Offer
$300 back after you spend $3,000 in purchases on your new Card within the first 6 months.
Intro Purchase APR
0% for 12 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%
Expand Card Details
$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening

BankAmericard® credit card
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On Bank of America's secure site
Sign Up Bonus
$100 statement credit online bonus after making at least $1,000 in purchases in the first 90 days of account opening.
Intro APR
0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. A 3% fee (min $10) applies to all balance transfers
Regular APR
13.24% - 23.24% Variable APR on purchases and balance transfers
Expand Card Details
0% APR for 15 months on purchases from the date of account opening

Blue Cash Everyday® Card from American Express
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On American Express's secure site
Terms Apply
Rewards Rate
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, 1% Cash Back on other eligible purchases.
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Intro Purchase APR
0% for 15 months on purchases from the date of account opening, then a variable rate, 14.74% to 24.74%
Expand Card Details
5% cash back on purchases in your top eligible spend category

Citi Custom Cash Card
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On Citi's secure site
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
Welcome Offer
Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Intro APR
0% Intro APR on Balance Transfers and Purchases for 15 months.
Expand Card Details
Earn an additional 1.5% cash back your first year

Chase Freedom Unlimited®
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On Chase's secure site
Rewards Rate
Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Welcome Offer
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
0% Intro APR
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.24% - 23.99%.
Expand Card Details
0% Intro APR for 21 months on balance transfers from date of first transfer

Citi® Diamond Preferred® Card
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On Citi's secure site
0% Intro Balance Transfer APR
0% Intro APR for 21 months on balance transfers from date of first transfer
0% Intro Purchase APR
0% Intro APR for 12 months on purchases from date of account opening
Citi Entertainment®
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more
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Synchrony Premier World Mastercard®
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On Synchrony's secure site
Rewards Rate
2% cash back* on every purchase--no categories, tiers, or limits--no kidding.
Mastercard Benefits
Plus, you'll also gain access to additional key benefits like identity theft protection, money-saving discounts, and concierge travel planning support.
Seamless Cashback
Use your Synchrony Premier card on everything from gas and groceries to your next splurge with the confidence that comes from getting great rewards without complex math or shifting reward limits.
Expand Card Details
Unlimited 1.5 points per $1 spent on all purchases - points don't expire

Bank of America® Travel Rewards credit card
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On Bank of America's secure site
Rewards Rate
1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
Welcome Offer
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Redemption Options
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Expand Card Details
0% intro APR on Balance Transfers for 18 months

Citi® Double Cash Card – 18 month BT offer
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On Citi's secure site
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
Intro Balance Transfer APR
0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
Extra Benefits
No annual fee and free access to Citi Entertainment®
Expand Card Details
$200 online cash rewards bonus for spending at least $1,000 on purchases in the first 90 days of account opening

Bank of America® Unlimited Cash Rewards credit card
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On Bank of America's secure site
Rewards Rate
1.5% cash back on all purchases
Intro APR
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. A 3% fee (min $10) applies to all balance transfers.
Regular APR
14.24% - 24.24% Variable APR on purchases and balance transfers
Expand Card Details

American Express® Gold Card
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On American Express's secure site
Terms Apply
Rewards Rate
4X Membership Rewards® Points at restaurants, 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3x Membership Rewards® Points on flights booked directly with airlines or on amextravel.com/
Welcome Offer
60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
Dining Credit
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Expand Card Details
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.

Bank of America® Customized Cash Rewards credit card
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On Bank of America's secure site
Rewards Rate
3% cash back in the category of your choice, 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% cash back on all other purchases
Intro APR
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. A 3% fee (min $10) applies to all balance transfers.
Regular APR
14.24% - 24.24% Variable APR on purchases and balance transfers
Expand Card Details
No Late Fees, No Penalty Rate, and No Annual Fee

Citi Simplicity® Card
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On Citi's secure site
Intro Purchase APR
0% Intro APR for 12 months on purchases from date of account opening
Goodbye to Fees
No Late Fees, No Penalty Rate, and No Annual Fee
Intro Balance Transfer APR
0% Intro APR for 21 months on balance transfers from date of first transfer
Expand Card Details
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General Disclaimer
The card offers that appear on this site are from companies from which BestCreditCard receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCreditCard does not include all card companies or all card offers available in the marketplace.
Editorial Disclaimer
All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Approval Odds
BestCreditCard calculates your approval odds by comparing your credit profile to other BestCreditCard members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Credit card issuers use a variety of different types of credit scores and criteria to make credit decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.