Are you tired of ordinary credit cards that don't offer you much in the way of rewards? Well, you're in luck! If you've got an excellent credit score, you can level up your financial game and potentially earn tons of rewards, cashback, and other perks with the best rewards cards on the market. In this article, we'll explore some of the top options available and help you find the perfect rewards card to suit your spending habits.
Best Rewards Cards For Excellent Credit Table of Contents
Why Choose a Rewards Card for Excellent Credit?
If you have a great credit score, you're already in a strong financial position. Choosing a rewards card designed for excellent credit can help you make the most of your money by:
- Earning cashback, points, or miles on your everyday purchases
- Gaining access to exclusive perks and benefits
- Saving money with lower interest rates and fewer fees
Top Rewards Cards for Excellent Credit
Here's a breakdown of some of the best rewards cards for those with top-notch credit:
1. Chase Sapphire Preferred Card
- Generous sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
- High rewards on travel and dining spending: 2x points on travel, and dining at restaurants worldwide
- Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards
- No foreign transaction fees
2. American Express® Gold Card
- Welcome offer: Earn 60,000 membership rewards points after you spend $4,000 on eligible purchases within the first six months from account opening
- Impressive rewards rates: Earn 4x points at restaurants, 4x points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x), and 3x points on flights booked directly with airlines or on amextravel.com
- Additional benefits: $120 dining credit and $100 airline fee credit
- No foreign transaction fees
3. Capital One Venture Rewards Credit Card
- Sign-up bonus: Earn 60,000 bonus miles after spending $3,000 on purchases within the first three months from account opening
- High rewards rate: 2x miles per dollar spent on all purchases
- Flexible redemptions: Use miles for flights, hotel stays, and more
- No foreign transaction fees
4. Citi® Double Cash Card
- Cashback: Earn 1% cash back on all purchases and an additional 1% as you pay for those purchases
- Simple and straightforward rewards structure
- No annual fee
- Introductory 0% APR on balance transfers for the first 18 months from account opening (then a variable APR applies)
Best Rewards Cards For Excellent Credit Example:
Suppose you're an avid traveler who loves dining out at new and exciting restaurants. In this case, the Chase Sapphire Preferred Card would be an excellent fit for you. With 2x points on travel and dining at restaurants worldwide, plus 25% more value when you redeem points for travel through Chase Ultimate Rewards, you'll be racking up points in no time. Let's say you spend $1,000 a month on dining and travel; with this card, you'd earn 24,000 points in a year, which translates to $300 worth of rewards when redeemed for travel through Chase Ultimate Rewards. And don't forget about that generous sign-up bonus!
With excellent credit comes the opportunity to truly maximize your rewards potential. These top rewards cards offer a variety of perks and benefits, so there's sure to be one that matches your spending style and preferences. Take advantage of your strong credit and upgrade your financial game with a rewards card that truly suits your needs. Be sure to share this article with your friends and family and explore other Flik Eco guides to keep improving your financial literacy and making the most of your money.
