Best Credit Cards for Excellent Credit 2026
Updated February 16, 2026·CardStack Data Team
Quick Answer
The best credit card for excellent credit in 2026 is the AAdvantage Aviator World Elite Business ($95/yr annual fee). We compared 15 cards across rewards rates, fees, and benefits to find the top picks.
Top 15 Cards Compared
| # | Card | Fee | Rate | Bonus | Network |
|---|---|---|---|---|---|
| #1 | AAdvantage Aviator World Elite Business BARCLAYS | $95 | 1.0X | N/A | visa |
| #2 | Aer Lingus Signature CHASE | $95 | 1.0X | N/A | visa |
| #3 | Aeroplan CHASE | $95 | 1.0X | N/A | visa |
| #4 | Atmos Rewards Ascent BANK_OF_AMERICA | $95 | 1.0X | N/A | visa |
| #5 | Atmos Rewards Business BANK_OF_AMERICA | $95 | 1.0X | N/A | visa |
| #6 | Autograph Journey WELLS_FARGO | $95 | 1.0X | N/A | visa |
| #7 | Blue Cash Preferred AMERICAN_EXPRESS | $95 | 1.0X | Up to $300 cash back | visa |
| #8 | Blue Cash Preferred (Morgan Stanley) AMERICAN_EXPRESS | $95 | 1.0X | N/A | visa |
| #9 | British Airways Signature CHASE | $95 | 1.0X | N/A | visa |
| #10 | Business Altitude Connect US_BANK | $95 | 1.0X | N/A | visa |
| #11 | Business Green AMERICAN_EXPRESS | $95 | 1.0X | N/A | visa |
| #12 | Business Leverage US_BANK | $95 | 1.0X | N/A | visa |
| #13 | Choice Privileges Select WELLS_FARGO | $95 | 1.0X | N/A | visa |
| #14 | Everyday Preferred AMERICAN_EXPRESS | $95 | 1.0X | N/A | visa |
| #15 | Hilton Honors Surpass AMERICAN_EXPRESS | $95 | 1.0X | N/A | visa |
RelatedAAdvantage Aviator World Elite Business vs Aer Lingus Signature·AAdvantage Aviator World Elite Business Review·Aer Lingus Signature Review·Aeroplan Review·Atmos Rewards Ascent Review·Atmos Rewards Business Review
Frequently Asked Questions
What is the best credit card for excellent credit in 2026?
Based on our analysis of 15 cards, the top pick for excellent credit is the AAdvantage Aviator World Elite Business with a $95/yr fee.
How did you choose the best excellent credit credit cards?
We analyze data from 35+ verified sources including official card terms, rewards rates, annual fees, and benefits. Rankings are data-driven with no affiliate influence.
Are there no-annual-fee options for excellent credit?
Yes, many excellent credit cards come with no annual fee. Check the fee column in our comparison table above to find $0/yr options.
How often are these rankings updated?
Our rankings are updated regularly as card terms change. Last verified: February 16, 2026.
This ranking draws on data from 35+ independent sources.
Rankings are data-driven with no affiliate influence on placement.
Last verified on February 16, 2026.
Full methodology: cardstack.co/methodology.