Best Credit Cards for Excellent Credit (November 2025)

With credit card rewards programs at their peak in 2025, having an excellent credit score (usually 750+ in the U.S. and Canada) gives you access to the most valuable credit cards available. These premium cards offer high rewards rates, huge welcome bonuses, luxury travel perks, and cash-back benefits that can deliver thousands of dollars in annual value. Below are the best credit cards for November 2025 across travel, cash back, dining, and no-annual-fee categories.

Best Premium Travel Card: Chase Sapphire Reserve®

The Chase Sapphire Reserve continues to rank among the top luxury travel credit cards. Cardholders receive a flexible $300 annual travel credit, Priority Pass airport lounge access, and 3x points on dining and travel. When redeemed through the Chase Travel portal, points are worth 50% more, giving frequent travelers exceptional value and flexibility. This card remains a favorite for maximizing travel redemptions and premium perks.

Best Flexible Travel Rewards: Capital One Venture X Rewards

The Capital One Venture X offers premium travel benefits at a lower annual fee than most luxury cards. It includes a $300 annual credit for bookings made through Capital One Travel, a 10,000-mile anniversary bonus, Priority Pass access, and entry to Capital One’s own growing network of airport lounges. With a simple rewards structure of 2x miles on all purchases, it’s one of the easiest high-value travel cards for everyday spending.

Best Cash-Back Credit Card: Blue Cash Preferred® Card from American Express

For consumers who prefer cash back over travel rewards, the Blue Cash Preferred is one of the strongest options on the market. Cardholders earn 6% cash back at U.S. supermarkets (up to $6,000 annually), 6% on select U.S. streaming services, and 3% at U.S. gas stations and on transit. Its category structure is ideal for families and everyday spenders who want to maximize routine purchases.

Best Card for Dining and Supermarkets: American Express® Gold Card

The American Express Gold Card remains a top choice for foodies and households. It offers 4x Membership Rewards points at restaurants worldwide and at U.S. supermarkets (on up to $25,000 per year). The card also includes up to $120 in Uber Cash and up to $120 in dining statement credits yearly, easily helping offset the annual fee. For dining and grocery rewards, few cards beat the Gold.

Best No-Annual-Fee Credit Card: Chase Freedom Unlimited®

For users seeking strong rewards without paying an annual fee, the Chase Freedom Unlimited delivers impressive value. It earns 5% cash back on travel booked through Chase, 3% on dining and drugstores, and 1.5% cash back on all other purchases. When paired with a Chase Sapphire card, rewards can be transferred to travel partners, making this card one of the most powerful no-fee options in 2025.