Having an excellent credit score opens up a world of opportunities for your financial life, and one of the best ways to take advantage of that is by using credit cards that reward your high rating. In this article, we will explore the best credit cards for those with excellent credit scores, taking into consideration factors like rewards, rates, and perks. Get ready to reap the benefits of your excellent credit and find the perfect card to help you save and earn more.
Best Credit Cards For Excellent Credit Scores Table of Contents
Top credit cards for excellent credit scores
While there are many great credit cards out there for people with excellent credit scores, we've narrowed it down to five top contenders. Let's dive in and explore what these cards offer!
1. Chase Sapphire Preferred Card
- Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases within the first three months of account opening.
- Earning potential: 5X points on travel purchased through Chase Ultimate Rewards; 3X points on dining and 2X points on other travel purchases; and 1X point per dollar spent on all other purchases.
- Rewards redemption: Points can be redeemed for travel, dining, gift cards, and more through Chase Ultimate Rewards, or transfer points to leading airline and hotel loyalty programs.
- Annual fee: $95
2. American Express Gold Card
- Sign-up bonus: Earn 60,000 Membership Rewards points after you spend $4,000 on purchases within the first six months of card membership.
- Earning potential: 4X points at restaurants, including takeout and delivery; 4X points at U.S. supermarkets (up to $25,000 per calendar year in purchases); 3X points on flights booked directly with airlines or through amextravel.com; and 1X point per dollar spent on all other purchases.
- Rewards redemption: Use points for travel, gift cards, shopping, and more through the Membership Rewards program, or transfer points to participating airline and hotel loyalty programs.
- Annual fee: $250
3. Capital One Venture Rewards Credit Card
- Sign-up bonus: Earn 60,000 bonus miles after you spend $3,000 on purchases within the first three months of account opening.
- Earning potential: Earn 2X miles per dollar spent on every purchase, every day.
- Rewards redemption: Redeem miles for travel, gift cards, cash, and more, with no blackout dates or restrictions on travel.
- Annual fee: $95
4. Citi Premier Card
- Sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases within the first three months of account opening.
- Earning potential: 3X points on restaurants, supermarkets, gas stations, air travel, and hotels; and 1X point per dollar spent on all other purchases.
- Rewards redemption: Redeem points for travel, merchandise, gift cards, and cash.
- Annual fee: $95
5. Discover it Cash Back
- Sign-up bonus: Discover will match all the cash back you've earned at the end of your first year, automatically, with no limits.
- Earning potential: 5% cash back on rotating categories each quarter (up to $1,500 in purchases) and 1% unlimited cash back on all other purchases.
- Rewards redemption: Redeem cash back anytime, in any amount, for statement credits, direct deposits, or gift cards.
- Annual fee: $0
Best Credit Cards For Excellent Credit Scores Example:
Imagine you're a travel lover with an excellent credit score, and you decide to apply for the Chase Sapphire Preferred Card. You spend $4,000 on purchases in the first three months, earning you a generous 60,000-point bonus. You then book a trip through Chase Ultimate Rewards, earning you 5X points per dollar spent on your accommodations and flights. Once you've reached your destination, you enjoy 3X points on dining experiences and 2X points on other travel-related purchases. By the end of your trip, you've earned enough points to book your next vacation at a fraction of the cost!
There you have it - the best credit cards for excellent credit scores. By taking advantage of these opportunities, you can enjoy valuable rewards, bonuses, and perks that come with having a high credit ranking. So, don't wait any longer! Apply for one of these outstanding credit cards today and start reaping the benefits of your excellent credit score. Don't forget to share this article with your friends and explore other guides on Flik Eco for more useful personal finance tips!
