Do you fall into the "good" or "excellent" credit score range? If so, congratulations! Your diligent payment habits and responsible credit management have put you in a great position to benefit from some of the most rewarding credit card offers. In this Flik Eco blog post, we'll share the best credit cards for good to excellent credit, helping you make an informed choice and unlock the perks that come with having a stellar credit score.
Best Credit Cards For Good To Excellent Credit Table of Contents
What Makes A Credit Card Great For Good To Excellent Credit
What should you look for in a credit card when you have a good to excellent credit? Here are some key factors to consider:
- Low or no annual fee
- Competitive interest rates
- Rewards (such as points, miles, or cashback)
- Signup bonuses
- Flexible redemption options
- Additional perks and benefits
Best Credit Cards For Good To Excellent Credit in 2021
Now that we know what to look for, let's dive into the top credit cards for good to excellent credit.
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is known for its appealing rewards program and flexibility. Features include:
- 60,000 bonus points after spending $4,000 within the first 3 months
- 2x points on travel and dining
- 1x points on all other purchases
- $0 foreign transaction fees
- Transfer points to partner airline and hotel programs
- $95 annual fee
2. Discover it® Cash Back
The Discover it® Cash Back card is great for everyday expenses, offering a rotating 5% cashback on various categories each quarter and 1% cashback on everything else. Features include:
- Sign-up bonus: Discover will match all cashback earned in the first year
- No annual fee
- 0% intro APR on purchases and balance transfers in the first 14 months
3. Capital One® Venture® Rewards Card
Ideal for travelers, the Capital One® Venture® Rewards Card offers a straightforward rewards program and travel benefits. Features include:
- 100,000 bonus miles after spending $20,000 within the first 12 months, or 50,000 miles after spending $3,000 within the first 3 months
- 2x miles on every purchase
- Application fee credit for Global Entry or TSA PreCheck
- $95 annual fee
Best Credit Cards For Good To Excellent Credit Example:
Imagine you're someone who enjoys traveling and dining out. You're looking for a credit card that offers perks to complement your lifestyle. With your excellent credit score, you have numerous options to choose from. After evaluating the rewards, sign-up bonuses, and additional benefits offered by different cards, you decide that the Chase Sapphire Preferred® Card aligns best with your preferences.
By using your new card for travel and dining expenses, you can earn valuable points that can be transferred to partner airlines and hotel programs, ultimately leading to discounted or free travel adventures. The 60,000 bonus points signup offer is just the cherry on top, as it's equivalent to $750 when redeemed for travel through the Chase Ultimate Rewards® program.
Now that you're armed with a list of the best credit cards for good to excellent credit, it's time to make your choice based on your preferences and financial goals. Remember, no single card is perfect for everyone—so consider your spending habits, preferences, and objectives when selecting the ideal card for you. Make sure you continue to exhibit responsible credit management habits to keep your score high, and prepare to reap the rewards of your hard-earned excellent credit.
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