Best Credit Cards for Excellent Credit No Annual Fee

If you’ve worked hard to build an excellent credit score—typically a FICO score of 750 and above—you deserve the best credit cards with the best perks. And guess what? You don’t need to pay an annual fee to enjoy premium benefits. This guide to the best credit cards for excellent credit no annual fee will show you how to unlock top-tier rewards, high credit limits, and elite cardholder perks—without spending a dime in yearly charges.

Let’s explore the elite picks, real advantages of high credit scores, and how to maximize every swipe.

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Why Excellent Credit Deserves Excellent Rewards (with No Fees)

When your credit score crosses 750, you enter a whole new playing field. Lenders view you as a low-risk, responsible borrower, which opens doors to:

Top-rated credit cards for excellent credit
Higher credit limits
Low or 0% introductory APR offers
Premium cashback and travel rewards
No annual fees for elite-level perks

In short, your excellent credit score translates to better financial tools at no added cost.

🏆 Best Credit Cards for Excellent Credit No Annual Fee

These are the elite credit cards with no annual fee that consistently rank among the best for users with 750+ credit scores.

1. Chase Freedom Unlimited®

Why it’s elite: Up to 5% cashback on travel, 3% at restaurants and drugstores, and 1.5% on all other purchases.
Perks: Introductory 0% APR for 15 months, rewards don’t expire.
Perfect for: Those who want simple but powerful cashback rewards.
Bonus: High credit limit increase potential after on-time payments.

2. Citi® Double Cash Card

Why it’s elite: Earn 2% cashback—1% when you buy and 1% when you pay.
Perks: Great for everyday purchases with flat-rate cashback.
No Annual Fee: A huge win for a card with this level of return.
Long-tail benefit: Helps maintain a healthy credit utilization ratio thanks to high limits.

3. Wells Fargo Active Cash® Card

Why it stands out: Unlimited 2% cashback on every purchase.
Welcome Offer: $200 cash rewards after spending $500 in 3 months.
APR Promo: 0% intro APR for 15 months on purchases and balance transfers.
Great for: Excellent credit holders seeking straightforward rewards.

4. Discover it® Cash Back

Unique benefit: Cashback match in your first year—double the value!
Rotating Categories: 5% on categories like gas, groceries, or Amazon (activation required).
Annual Fee: $0, always.
Plus: Free access to your FICO score 750 and above for tracking.

5. Bank of America® Customized Cash Rewards

Flexibility perk: Choose your 3% category—gas, dining, travel, etc.
Other rewards: 2% at grocery stores and wholesale clubs.
Intro APR: 0% for 15 billing cycles.
Ideal for: Strategic spenders with high credit score benefits in mind.

💳 Best Visa and Mastercard Options for Excellent Credit

Some people prefer a specific network. Here are top Visa and Mastercard no fee cards tailored for excellent credit.

✅ Best Visa Cards for Excellent Credit No Annual Fee

Chase Freedom Unlimited® (covered above)
PenFed Power Cash Rewards Visa Signature®
- Up to 2% cashback for PenFed Honors Advantage Members
- Travel and fraud protection benefits

✅ Best Mastercard No Annual Fee Excellent Credit

Citi® Double Cash Mastercard®
Capital One SavorOne Rewards Mastercard®
- 3% cashback on dining, entertainment, and groceries
- No annual charges credit card with rich benefits

💼 High-Limit Credit Cards with No Annual Fee

Want a high credit limit? These cards are known for generous limits for excellent credit users:

Wells Fargo Active Cash® Card: Often offers limits over $10,000
Chase Freedom Flex℠: Strong approval odds with excellent scores and high spending power
Citi Custom Cash℠ Card: Earn 5% on your top spending category, plus flexible limits

💡 Pro Tip: A higher credit limit can help reduce your credit utilization ratio, improving your credit even further.

🌍 Best Travel Credit Cards No Annual Fee for Excellent Credit

Frequent flyers can also avoid annual fees and still earn travel rewards:

✈️ Bank of America® Travel Rewards Card

Unlimited 1.5X points per $1 on all purchases
No foreign transaction fees
Ideal for globetrotters who want value with zero annual fees

🧳 Capital One VentureOne Rewards Credit Card

1.25 miles per dollar on every purchase
Travel accident insurance and auto rental coverage included

📈 Benefits of Excellent Credit & No-Fee Cards

Having a 750+ FICO score isn’t just about bragging rights. Here’s what it actually means for your wallet:

Better card approval odds
Faster access to higher limits
Better interest rates (or 0% for 12–21 months)
Stronger rewards programs
Fewer fees and more perks

Example:

Say you get approved for a Citi Double Cash card with a $12,000 limit. You use $1,200 a month and pay in full. Your credit utilization ratio stays at 10%—excellent for your credit health. Meanwhile, you’re earning $24/month in cashback—no annual fee required.

📝 How to Choose the Right Card for You

When comparing the best unsecured credit cards for excellent credit, consider:

Spending habits (do you eat out often? Travel a lot?)
Reward preferences (cashback vs. points/miles)
Interest rates (especially after intro APR ends)
Approval odds (check pre-qualification options)
Cardholder perks like credit monitoring, fraud protection, mobile app usability

🙋‍♀️ FAQs About Credit Cards for Excellent Credit with No Annual Fee

1. What credit score is considered excellent for credit card approval?

Most issuers define excellent credit as a FICO score of 750 and above. Some may approve at 740+, but 750+ offers the best rewards.

2. Can I get a high-limit credit card with no annual fee?

Yes! Many of the best credit cards 750+ score no annual fee offer high starting limits, often $10,000 or more, especially if you have strong income and low existing debt.

3. What are the benefits of having a high credit score?

You’ll enjoy low interest rates, better rewards programs, higher credit limits, faster approvals, and more negotiating power with banks.

4. Do no annual fee cards still offer good rewards?

Absolutely. Some of the top-tier credit cards no annual fee rival or even outperform fee-based cards, especially with cashback credit cards like Citi Double Cash or Discover it.

5. Will applying for multiple cards hurt my credit score?

Each hard inquiry can drop your score by a few points temporarily. But having multiple cards and managing them well can boost your credit limit, improve your credit utilization ratio, and enhance credit approval odds in the long run.

6. Are no-fee travel cards worth it for frequent travelers?

Yes, especially if they offer rewards, insurance perks, and no foreign transaction fees—like the VentureOne or BofA Travel Rewards Card.

7. Can I still get 0% APR offers on no-fee cards?

Definitely. Many cards for excellent credit offer introductory 0% APR offers for 12–21 months on purchases and/or balance transfers.

✅ Final Thoughts: No-Fee Doesn’t Mean No Value

You don’t need to pay to play when it comes to credit card perks. With an excellent credit score, you have access to some of the best credit cards for excellent credit no annual fee—and they’re packed with benefits. From high cash back to generous credit limits and world-class travel perks, these cards are designed to reward you without charging you.

Take advantage of your strong financial profile and apply for a no-fee card that matches your lifestyle today

Best Credit Cards for Excellent Credit No Annual Fee: Elite Picks with No Charges