Credit Cards, Insights, Software & Reviews

Best Credit Cards for Excellent Credit in 2022

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If you have excellent credit, you’re in a great position to get approved for some of the best credit cards on the market. These cards offer amazing rewards and benefits, including high sign-up bonuses, statement credits, and more. In this article, we will discuss the best credit cards for excellent credit in 2022. We will also provide information on how to improve your credit score so that you can qualify for even better cards in the future!

What is Excellent Credit?

The best credit cards for excellent credit are going to be ones that have low interest rates and great rewards programs. Excellent credit is a FICO score of 800 or higher. This means that you have a history of making on-time payments and keeping your balances low. If you have excellent credit, you will likely be able to qualify for the best offers from card issuers.

Some of the best credit cards for excellent credit include:

  • Capital One Venture Rewards Credit Card
  • Chase Sapphire Preferred Card
  • Citi Prestige Credit Card
  • American Express Platinum Card®

How Can I Check My Credit Score?

There are a few different ways to check your credit score. One way is to contact the three major credit bureaus – Equifax, Experian, and TransUnion – and request a copy of your report from each. Another way is to use a credit monitoring service like Credit Karma or Mint.

What Are The Best Credit Cards for Excellent Credit?

There are a few things to consider when looking for the best credit cards for excellent credit. The most important factor is what you want to use the card for. Some people prefer cash back or rewards points, while others want a low interest rate. There are also cards that offer 0% APR on balance transfers and purchases.

Another thing to consider is the annual fee. Some of the best credit cards for excellent credit have no annual fee, while others have an annual fee of $95 or more. It’s important to decide if you’re willing to pay an annual fee before you apply for a card.

Finally, make sure you understand the terms and conditions of each card before you apply. Each card has different rules about late payments, cash advances, and other important factors.

If you’re looking for the best credit cards for excellent credit, consider these three options:

Chase Freedom Unlimited® Card

The Chase Freedom Unlimited® Card offers unlimited cash back on every purchase, with no annual fee.

Citi® Double Cash Card

The Citi® Double Cash Card allows you to earn cash back twice on every purchase, with no annual fee.

Capital One® VentureOne® Rewards Credit Card

The Capital One® VentureOne® Rewards Credit Card offers rewards points on every purchase, with no annual fee.

These are just a few of the best credit cards for excellent credit available in 2022.

Be sure to compare different cards before you decide which one is right for you. And remember to use your card responsibly to maintain your excellent credit score.

What Are The Different Types of Credit Cards?

There are four main types of credit cards: rewards cards, cash back cards, balance transfer cards, and low interest rate cards. Each type of card offers different benefits and drawbacks, so it’s important to choose the right one for your individual needs.

Rewards Credit Cards

Rewards credit cards offer points or miles that can be redeemed for travel, merchandise, gift cards, or cash back. These cards often come with annual fees, but the rewards can be worth it if you’re a frequent traveler or spender.

Cash Back Credit Cards

Cash back credit cards offer a percentage of cash back on all of your purchases. Some cash back cards also have sign-up bonuses and annual fees, but many don’t. This is a great option for people who want to earn cash back on their everyday spending.

Balance Transfer Credit Cards

Balance transfer credit cards allow you to transfer the balance of one credit card to another. This can be a great way to save on interest if you have a high-interest rate card. However, balance transfer cards usually have fees and may not offer rewards or cash back.

Low Interest Rate Credit Cards

Low interest credit rate cards offer lower interest rates than other types of credit cards. This can be a good option for people who carry a balance from month to month or who are trying to pay down debt. However, these cards typically have annual fees and may not offer rewards or cash back.

Now that you know the different types of credit cards, it’s time to choose the best one for you. If you have excellent credit, you’ll likely be able to qualify for any type of card. But, if you’re not sure which type of card is right for you, consider your individual needs and spending habits. Then, compare the different features of each type of card to find the best fit.

What Are The Benefits of Credit Cards?

There are a number of benefits that come with using credit cards. Perhaps the most obvious benefit is that credit cards can help you build your credit history and improve your credit score. This, in turn, can help you qualify for better interest rates on loans and other lines of credit in the future.

Another benefit of using credit cards is that they can provide you with a convenient way to access cash in a pinch. Whether you’re facing an unexpected expense or simply need some extra cash to tide you over until payday, being able to tap into your available credit can be a lifesaver.

Finally, many credit cards offer valuable rewards and perks that can save you money or make your life more convenient. From cash back on everyday purchases to travel perks and more, using a credit card wisely can really pay off.

The Best Credit Cards for Excellent Credit Compared

If you have excellent credit, you’ll likely be able to qualify for some of the best credit cards on the market. Keep reading to learn about some of the best options available in 2022.

Best Overall Credit Card for Excellent Credit: Citi® Double Cash Card – 18 month BT Offer

With the Citi® Double Cash Card, you’ll earn cash back on every purchase, making it a great option for everyday spending. You’ll earn two percent cash back: one percent when you make a purchase and another percent when you pay it off. There’s no annual fee, and you can get an introductory APR of 0% on balance transfers for 18 months (then 16.74% – 25.49% Variable).

If you’re looking for a simple cash back card with no annual fee, the Citi® Double Cash Card is a great option. You’ll earn two percent cash back on every purchase, making it easy to rack up rewards. And, with an introductory APR of 0% on balance transfers for 18 months, this card can help you save on interest as you work to pay off your debt.

Best for Travel Rewards: Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a great option for those who love to travel. You’ll earn two points per dollar spent on travel and dining purchases and one point per dollar spent on all other purchases. Plus, you’ll get a bonus of 60,000 points after you spend $4000 on purchases in the first three months from account opening. Those points are worth $750 when redeemed for travel through Chase Ultimate Rewards®. You’ll also get up to $60 in statement credits toward grocery store purchases each year and up to $300 in statement credits toward eligible travel purchases each year. There’s an annual fee of $95.

If you’re looking for a great travel rewards card, the Chase Sapphire Preferred® Card is a great option. You’ll earn two points per dollar spent on travel and dining and one point per dollar spent on all other purchases. Plus, you’ll get a sign-up bonus of 60,000 points after you spend $4000 in the first three months. You can redeem those points for $750 worth of travel through Chase Ultimate Rewards®. There’s also an annual fee of $95.

Best for Everyday Purchases: Wells Fargo Propel American Express® card

With the Wells Fargo Propel American Express® card, you’ll earn three points per dollar spent on dining, travel, and gas station purchases; two points per dollar spent on grocery store and drugstore purchases; and one point per dollar spent on all other purchases. There’s no annual fee, and you can get an introductory APR of 0% on purchases and balance transfers for 12 months (then 16.24%-28.24% Variable).

If you’re looking for a great cash back card with no annual fee, the Wells Fargo Propel American Express® card is a great option. You’ll earn three points per dollar spent on dining, travel, and gas station purchases; two points per dollar spent on grocery store and drugstore purchases; and one point per dollar spent on all other purchases. Plus, you can get an introductory APR of 0% on purchases and balance transfers for 12 months.

Best for Balance Transfers: Citi Simplicity® Card – No Late Fees Ever

If you’re looking to transfer a balance from another card, the Citi Simplicity® Card – No Late Fees Ever is a great option. You’ll get an introductory APR of 0% on balance transfers for 21 months (then 16.74% – 25.49% Variable). Plus, there are no late fees or annual fees. Just be aware that balance transfer fees apply (three percent of the amount of each transfer).

The Citi Simplicity® Card – No Late Fees Ever is a great option for those looking to transfer a balance from another card. You’ll get an introductory APR of 0% on balance transfers for 21 months. Plus, there are no late fees or annual fees. Just be aware that balance transfer fees apply (three percent of the amount of each transfer).

Best for Business Expenses: Ink Business Cash Credit Card

If you have a small business, the Ink Business Cash Credit Card is a great option for earning cash back on business expenses. You’ll earn five percent cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Plus, you’ll earn two percent cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. There’s no annual fee.

The Ink Business Cash Credit Card is a great option for small business owners who want to earn cash back on business expenses. You’ll earn five percent cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year. Plus, you’ll earn two percent cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. And there’s no annual fee.

Best for Students With Excellent Credit: Discover it® Student Cash Back

If you’re a student, the Discover it® Student Cash Back is a great option. You’ll earn five percent cash back on up to $1500 in combined purchases in categories that rotate each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs (then one percent after that). Plus, you’ll get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year as a cardmember. There’s no annual fee.

The Discover it® Student Cash Back is a great option for students. You’ll earn five percent cash back on up to $1500 in combined purchases in categories that rotate each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs (then one percent after that). Plus, you’ll get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year as a cardmember. And there’s no annual fee.

Best for Cash Back: Chase Freedom Unlimited®

If you’re looking for a great cash back card with no annual fee, the Chase Freedom Unlimited® is a great option. You’ll earn unlimited one and five point per dollar spent on travel and dining purchases; one point per dollar.

The Chase Freedom Unlimited® is a great option for those looking for a great cash back card with no annual fee. You’ll earn unlimited one and five point per dollar spent on travel and dining purchases; one point per dollar spent on all other purchases. Plus, you can get an introductory APR of 0% on purchases and balance transfers for 12 months. So if you’re looking to transfer a balance from another card, this could be a good option for you. Just be aware that balance transfer fees apply (three percent of the amount of each transfer).

Best for Rewards With Excellent Credit: Capital One VentureOne Rewards Credit Card

If you’re looking for a rewards credit card with no annual fee, the Capital One VentureOne Rewards Credit Card is a great option. You’ll earn two miles per dollar spent on every purchase. Plus, you can get an introductory APR of 0% on purchases and balance transfers for 12 months. So if you’re looking to transfer a balance from another card, this could be a good option for you. Just be aware that balance transfer fees apply (three percent of the amount of each transfer).

The Capital One VentureOne Rewards Credit Card is a great option for those looking for a rewards credit card with no annual fee. You’ll earn two miles per dollar spent on every purchase. Plus, you can get an introductory APR of 0% on purchases and balance transfers for 12 months. So if you’re looking to transfer a balance from another card, this could be a good option for you. Just be aware that balance transfer fees apply (three percent of the amount of each transfer). However, there is no foreign transaction fee, so if you travel abroad often, this could be a good card to use.

How to Apply for a Credit Card With Excellent Credit

If you have excellent credit, you should have no problem qualifying for just about any credit card. But if you’re not sure where to start, here are a few things to keep in mind:

  • Look for a card with rewards that fit your spending habits. If you spend a lot on travel, look for a card that offers rewards like free flights or hotel stays. If you spend more on everyday purchases, look for a cash back card.
  • Consider whether you want an annual fee. Some cards come with an annual fee, but many don’t. If you’re not sure you’ll use enough of the features and benefits to justify the fee, it might be best to choose a card without one.
  • Compare interest rates and fees. Even if you always pay your balance in full, it’s still important to compare APRs and fees before you apply for a credit card. That way, you’ll know what to expect if you ever carry a balance on your card.

Applying for a credit card with excellent credit is easy and there are plenty of great options available. Just make sure to do your research so that you choose the best card for your spending habits and needs.

How Many Credit Cards Should Someone With Excellent Credit Have?

There is no set number of credit cards that someone with excellent credit should have. It really depends on your individual financial situation and needs. However, having a few different credit cards can be helpful in diversifying your credit portfolio and taking advantage of different rewards programs.

Some people may only need one or two credit cards, while others may benefit from having four or five different cards. Ultimately, it is up to you to decide how many credit cards you think you can responsibly manage. Just remember to keep an eye on your overall debt levels and make sure you are always making payments on time.

What Credit Limit Do The Best Credit Cards for Excellent Credit Have?

Most of the best credit cards for excellent credit offer a high credit limit. This is because people with excellent credit are considered to be low-risk borrowers. That means that the card issuer is more likely to get their money back from them. So, if you have excellent credit, you should aim for a card with a high credit limit.

Do Credit Cards for Excellent Credit Report to The Three Major Credit Bureaus?

Yes, credit cards for excellent credit report to the three major credit bureaus. This is important because it helps build your credit history and can improve your credit score.

Do The Best Credit Cards for Excellent Credit Have Any Annual Fees?

The best credit cards for excellent credit usually don’t have any annual fees. However, there are a few exceptions to this rule. For example, the Citi Prestige Card has a $495 annual fee. But it also comes with a host of perks, including a $250 travel credit and access to over 900 airport lounges worldwide. So, if you’re looking for the best credit card for excellent credit and don’t mind paying an annual fee, the Citi Prestige Card is definitely worth considering.

What’s the Best Credit Card for Excellent Credit With No Annual Fee?

If you’re looking for the best credit card for excellent credit with no annual fee, the Chase Sapphire Reserve® Card is an excellent option. It comes with a $300 annual travel credit and access to over 1000 airport lounges worldwide. Plus, you’ll earn three points per dollar spent on travel and dining purchases. So, if you’re looking for the best credit card for excellent credit with no annual fee, the Chase Sapphire Reserve® Card is definitely worth considering.

Do The Best Credit Cards for Excellent Credit Have Rewards Programs?

Rewards programs are one of the best perks of having excellent credit. Many rewards programs offer points that can be redeemed for cash back, merchandise, or travel. Some even offer exclusive access to VIP events and experiences. If you have excellent credit, you may want to consider a rewards credit card that offers exceptional benefits.

Do The Best Credit Cards for Excellent Credit Offer 0% APR?

The best credit cards for excellent credit will offer 0% APR on purchases and balance transfers. Some cards may also offer cash back or rewards points. However, the best credit card for you will ultimately depend on your individual financial needs and goals.

When choosing a credit card, it’s important to consider the interest rate, annual fee, and other features such as rewards programs. If you have excellent credit, you’ll likely qualify for the best offers from major issuers. So be sure to compare different cards before making a decision.

Do The Best Credit Cards for Excellent Credit Come With Sign-Up Bonuses?

The best credit cards for excellent credit usually come with great sign-up bonuses. For example, the Chase Sapphire Reserve® card offers a $300 travel credit after you spend $3000 on purchases in the first three months from account opening. The Citi Prestige® Card offers a $250 airfare credit per calendar year and the Capital One® VentureOne® Rewards Credit Card offers a one-time bonus of 20,000 miles once you spend $1000 on purchases within the first three months, equal to $200 in travel.

How to Avoid Credit Card Debt?

There are a few things you can do to avoid credit card debt. First, only use your credit card for purchases that you can afford to pay off in full each month. This will help keep your balances low and avoid interest charges. Second, be sure to pay your bill on time each month. Late payments can lead to fees and higher interest rates. Finally, if you’re ever in a situation where you can’t make a payment, contact your credit card issuer as soon as possible to explain the situation and find out what options are available to you. By following these tips, you can avoid credit card debt and keep your finances healthy.

Can I Get An Amex Card With Excellent Credit?

If you have excellent credit, you’re in good shape to be approved for just about any credit card. But that doesn’t mean every card is right for you. American Express cards are known for great rewards and perks, so if you’re looking for an Amex card with excellent credit, we’ve got some recommendations.

The best Amex cards for excellent credit include the American Express® Gold Card, The Platinum Card® from American Express, and the Business Platinum Card® from American Express OPEN. These cards come with great rewards, including Membership Rewards points that can be redeemed for travel or statement credits, and access to exclusive benefits like airport lounge access and concierge service. If you’re looking for an Amex card with excellent credit, one of these cards is sure to fit the bill.

Do you have excellent credit and are looking for an American Express card? Then check out our list of the best Amex cards for excellent credit in 2022.

The best Amex cards for excellent credit in 2022 include:

  • The American Express® Gold Card
  • The Platinum Card® from American Express
  • The Business Platinum Card® from American Express OPEN

These cards come with great rewards, including Membership Rewards points that can be redeemed for travel or statement credits, and access to exclusive benefits like airport lounge access and concierge service. If you’re looking for an Amex card with excellent credit, one of these cards is sure to fit the bill.

 

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About Jermaine Hagan (The Plantsman)

Jermaine Hagan, also known as The Plantsman is the Founder of Flik Eco. Jermaine is the perfect hybrid of personal finance expert and nemophilist. On a mission to make personal finance simple and accessible, Jermaine uses his inside knowledge to help the average Joe, Kwame or Sarah to improve their lives. Before founding Flik Eco, Jermaine managed teams across several large financial companies, including Equifax, Admiral Plc, New Wave Capital & HSBC. He has been featured in several large publications including BBC, The Guardian & The Times.

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