The Best Credit Cards for People With Excellent Credit
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If you have excellent credit (your credit score is around the 720-850 range), you'll find that you can get some great deals. You'll be approved for a good mortgage rate, saving you thousands in interest. You'll have a better chance at landing a job, getting an apartment rental, and of course, getting a credit card that offers great rewards. (See also: 5 Ways Life Is Amazing with an 800 Credit Score)
If you aren't already using your excellent credit score by scoring one of the best credit cards available, now's the time. Whether you opt for cash back or travel rewards, don't delay in getting the most back for your purchases and expenses. (See also: Cash Back vs. Travel Rewards)
The Best Cards for People With Excellent Credit
Each of the cards on this list are only offered to those with excellent credit, but they offer very high rates of cash back or points. Each has its unique advantages that appeal to different types of cardholders.
Chase Sapphire Preferred® Card
If you have the excellent credit to qualify for the , then you'll have some great rewards to look forward to as a cardmember. Earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. Get a 1:1 rate when transferring points to partner programs, or redeem travel directly through the Chase Ultimate Rewards portal and get 25% off. There are no foreign transaction fees on the card. This card has an annual fee of $95 that is waived for the first year.
Bonus offer: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 in travel when you redeem through Chase Ultimate Rewards®. You can also earn 5,000 bonus points by adding an authorized user to your account and making a purchase within the first 3 months.
Capital One® Venture® Rewards Credit Card
The is for applicants with an excellent or good credit rating. Unlike other cards that only award bonuses to specific categories, card holders can earn unlimited 2X miles per dollar on every purchase, every day and unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/Venture. Like all of their cards, there are no foreign transaction fees. There is a $95 annual fee for this card that is waived the first year.
Bonus: One-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening — equal to $500 in travel.
Bank of America® Cash Rewards Credit Card
The lets people with excellent credit earn some nice cash back rewards. Cardholders can earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter, and Bank of America® customers can even receive a 10% customer bonus every time they redeem their cash rewards into a Bank of America® checking or savings account. There is no annual fee.
Bonus offer: Earn $150 online cash rewards bonus after spending at least $500 in purchases in the first 90 days of account opening.
Citi® Double Cash Card - 18 month BT offer
The from our partner Citi rewards you twice. Once when you make the purchase. Then again when you pay for those purchases. You earn 2% cash back on purchases: 1% when you buy plus 1% as you pay your bill. There are no category restrictions and no caps. It's a simple and straightforward cash back credit card for those who don't want to engage in signing up for rotating categories or carrying different cards for different purchases. This card has no annual fee.
The Platinum Card® from American Express
Do you want to know how it feels like to be a VIP and travel in luxury? Get the . You’ll enjoy complimentary access to over 1,000 airport lounges in the world, Gold Status in the Hilton Honors and Starwood Preferred Guest programs, premium roadside assistance, and Platinum Concierge, available day or night to take care of your requests, large and small. In addition, get a statement credit for your Global Entry or TSA PreCheck fee, up to $200 airline fee credit in baggage fees and more at one qualifying airline, up to $200 for Uber rides annually, and unlimited Wifi at more than a million hotspots worldwide with Boingo American Express Preferred Plan. Earn 5X points on flights booked directly with airlines or Amex Travel and 1x on other eligible purchases. Use points to book travel, transfer to travel programs, and more. The annual fee is $550. Terms apply. See rates and fees.
Welcome offer: Earn 60,000 points after spending $5,000 in purchases within the first 3 months.
As a smart consumer with excellent credit, you should always be receiving the highest return on not just your savings, but on your spending as well.
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