- 5%Points on Chase Travel bookings
- 3%Points on dining and select streaming services
- 2%Points on other travel
Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
Earn 5x points on Chase Travel℠ bookings, 3x on dining, select streaming services, and online groceries, plus 2x on other travel.
19.24%-27.49% Variable APR
The Chase Sapphire Preferred® Card stands out as the top choice because it offers a robust rewards structure with 5x points on travel bookings and valuable benefits like a significant welcome bonus, making it ideal for frequent travelers.
Pros:
- Strong travel rewards
- Flexible point transfers
Cons:
- Annual fee applies
- High spending requirement for bonus
2.Chase Freedom Unlimited®
Chase
- 5%Cash back on travel booked through Chase Travel
- 3%Cash back on dining and drugstores
- 1.5%Cash back on all other purchases
Earn a $200 cash bonus after spending $500 on purchases in the first 3 months from account opening.
Earn 5% on travel booked through Chase Travel, 3% on dining and drugstores, and 1.5% on all other purchases.
18.24%-27.74% Variable APR
What sets this card apart is its no annual fee combined with a high cash back rate on travel and dining, making it a fantastic option for those who want to maximize their rewards without the burden of an annual fee.
Pros:
- No annual fee
- High cash back on travel and dining
Cons:
- Lower cash back on non-bonus categories
- Foreign transaction fee applies
3.Wells Fargo Active Cash® Card
Wells Fargo
- 2%Cash back on all purchases
Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Earn unlimited 2% cash back on all purchases.
18.49%-28.49% Variable APR
This card shines for its straightforward cash back structure, offering unlimited 2% cash back on all purchases, making it an excellent choice for those who prefer simplicity in their rewards.
Pros:
- Unlimited 2% cash back
- No annual fee
Cons:
- 3% foreign transaction fee
- Limited bonus categories
4.Blue Cash Preferred® Card from American Express
American Express
- 6%Cash back at U.S. supermarkets
- 6%Cash back on select U.S. streaming subscriptions
- 3%Cash back at U.S. gas stations and transit
Earn a $250 statement credit after spending $3,000 in eligible purchases within the first 6 months.
Earn 6% cash back at U.S. supermarkets (up to $6,000 per year), 6% on select U.S. streaming subscriptions, 3% on U.S. gas stations and transit.
19.49%-28.49% Variable APR
The standout feature here is its high cash back rate on groceries and streaming services, making it an ideal choice for families and individuals who spend significantly in these categories.
Pros:
- High cash back on groceries and streaming
- Introductory fee waived
Cons:
- Annual fee after the first year
- Spending cap on grocery rewards
5.American Express Platinum Card®
American Express
- 5%Points on flights and prepaid hotels
- 1%Points on other purchases
Earn up to 175,000 Membership Rewards® points after spending $8,000 on eligible purchases within the first 6 months.
Earn 5x points on flights and prepaid hotels, and 1x on other purchases.
19.49%-28.49% Variable APR
The American Express Platinum Card is the best option for luxury travelers, offering unparalleled rewards and benefits that can easily justify its high annual fee, especially for those who travel frequently.
Pros:
- Extensive travel benefits
- High welcome bonus
Cons:
- High annual fee
- Requires excellent credit
6.Chase Sapphire Reserve®
Chase
- 8%Points on Chase Travel
- 4%Points on direct flights and hotels
- 3%Points on dining
Earn 125,000 bonus points after spending $6,000 on purchases in the first 3 months.
Earn 8x points on Chase Travel, 4x on direct flights/hotels, and 3x on dining.
19.49%-27.99% Variable APR
This card shines for its premium travel rewards and extensive benefits, making it a top choice for frequent travelers who can take full advantage of its offerings.
Pros:
- High rewards on travel
- Comprehensive travel insurance
Cons:
- High annual fee
- Requires excellent credit
7.Capital One Venture X Rewards Credit Card
Capital One
- 10%Miles on hotels and rental cars
- 5%Miles on flights booked through Capital One Travel
- 2%Miles on all other purchases
Earn 75,000 bonus miles after spending $4,000 in the first 3 months, plus a $250 Capital One Travel credit.
Earn 10X on hotels/rental cars, 5X on flights booked through Capital One Travel, and 2X on all other purchases.
19.49%-28.49% Variable APR
The standout feature of the Capital One Venture X is its high earning potential on travel-related purchases, combined with valuable perks that make it a strong contender for frequent travelers.
Pros:
- High rewards on travel
- Annual travel credit
Cons:
- Annual fee applies
- Not ideal for infrequent travelers
Final Words
As you consider the best credit cards for your excellent credit this February 2026, remember that the right choice should align with your spending habits and financial goals. Take time to compare your options carefully and make informed decisions that will maximize your rewards and benefits.
Frequently Asked Questions
Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
Earn 5% on travel booked through Chase Travel, 3% on dining and drugstores, and 1.5% on all other purchases.
Earn a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Some credit cards for excellent credit may have annual fees, while others, like the Chase Freedom Unlimited® and Wells Fargo Active Cash® Card, have no annual fees. It's important to weigh the benefits and rewards against the cost of any annual fee.
When selecting a credit card, consider factors such as reward rates, annual fees, welcome bonuses, and your spending habits. Additionally, look for cards that offer benefits aligned with your lifestyle, like travel perks or cashback options.
Earn 5% on Chase Travel bookings, 3% on dining and select streaming services, and 2% on other travel purchases. This structure allows you to maximize rewards based on your spending patterns.
Credit cards with high reward rates can offer significant savings and perks, especially if you spend frequently in categories that earn bonus points or cash back. These cards often provide additional benefits like travel insurance and purchase protection, enhancing their value.
