Ready to unlock the exclusive world of elite credit cards with your 800 plus credit score? Look no further! In this post, we’ll guide you through the exceptional benefits, top offers and reveal the secrets to maintaining your high score while enjoying some of the hottest financial products in the market.
Credit Cards For 800 Plus Scores Table of Contents
Why an 800 Plus Credit Score Matters
Why an 800 Plus Credit Score Matters
Having a credit score of 800 or above puts you in the top tier when it comes to borrowing money. It speaks volumes about your financial responsibility and opens doors to exclusive offers, perks and benefits that you won’t find anywhere else. Not only will you enjoy lower interest rates and higher borrowing limits, but you'll also have access to the crème de la crème of credit cards.
Top Credit Cards for 800 Plus Credit Scores
With an impressive score like that, you deserve nothing but the best. Here are some of the top credit cards designed specifically for people with credit scores of 800 or above:
1. American Express Platinum Card
- Excellent rewards rates on travel and dining purchases
- Access to over 1,200 airport lounges worldwide
- Annual $200 airline fee credit and up to $200 in Uber credits
- Global Entry/TSA Pre✓ credit
- $695 annual fee
2. Chase Sapphire Reserve
- Impressive points earning on travel and dining
- $300 annual travel credit
- Complimentary airport lounge access
- Global Entry/TSA Pre✓ credit
- $550 annual fee
3. Citi Prestige Card
- High rewards rates on travel, dining and select streaming services
- Annual $250 travel credit
- Complimentary 4th night on hotel stays
- Global Entry/TSA Pre✓ credit
- $495 annual fee
Maintaining Your High Credit Score
Now that you got the insiders scoop on some of the top credit cards for 800 plus scores, you’ll want to make sure you uphold your stellar credit standing. Here are some key tips:
- Make timely payments: Establish a habit of paying your credit card bills on time, without fail. This will help keep your payment history clean and maintain your credit score in tip-top shape.
- Keep your credit utilization low: Aim for a credit utilization ratio of 30% or less. Credit utilization is the percentage of your available credit that you’re actively using—lower is better for your credit score.
- Monitor your credit regularly: Checking your credit report frequently will help you catch discrepancies early and stay on top of your financial health. You can request a free annual credit report from each of the three major credit bureaus.
- Apply for new credit sparingly: Every time you apply for any new line of credit, there’s a small, temporary hit to your credit score. Limit new credit applications to maintain your high credit standing.
Credit Cards For 800 Plus Scores Example:
Let's say you have a credit score of 820 and are an avid traveler. After reviewing the credit cards available for 800 plus scores, you decide the Chase Sapphire Reserve card aligns best with your lifestyle. With this card, you accumulate points on your many dining and travel purchases, often turning these points into rewards and discounts for future trips. Your credit utilization stays low, and you consistently pay your balance in full, keeping your credit score high and enjoying the premium travel benefits offered by your elite card.
There you have it, a comprehensive guide on credit cards for 800 plus scores and maintaining your stellar credit standing. Whether you’re an experienced jet-setter or simply looking to make the most out of your exceptional credit score, these high-end credit cards can offer you the perks you deserve. Share this article with your friends and fellow high achievers, then explore more guides and tips on personal finance and investing at Flik Eco.
