Best Credit Cards for People With Excellent Credit

An excellent credit score gives you options for credit cards. With our expert guide, choose wisely so that you can make the most of those coveted travel and cash-back rewards.

Capital One Quicksilver Cash Rewards Card

Capital One Quicksilver card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.5% cash back on everything"

A card with easy to understand cash back rules — 1.5% cash back anywhere, on all purchases. There are no rotating categories to manage or spending caps to watch out for. So if your spending habits include a wide range of categories, a flat rate card like this might be your best choice. You can also easily redeem the cash back earned (even from the mobile app) with a statement credit, gift card, or bank deposit.

In addition to cash back, this card also has an awesome intro APR offer which gives you 0% on purchases and balance transfers for 15 months. There is also a nice sign-up bonus that gives you $150 after you spend $500 within 3 months of opening your account. And to top off all of the awesome perks this card includes, there is also no annual fee to use the card.

Key features:

Welcome Offer: Get a one-time $150 cash bonus after you spend $500 in qualifying purchases within 3 months of opening your account
Cash Back Rate: Unlimited 1.5% cash back on all purchases, every day — no rotating categories to deal with
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no earning limit
Introductory APR: 0% intro APR on all purchases for 15 months — 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred within the first 15 months)
Fees: There is no annual fee or foreign transaction fees
Extra Perks: Includes Visa Signature benefits — offering shopping discounts, travel upgrades, as well as preferred seating at concerts and sporting events

Capital One SavorOne Cash Rewards

Capital One SavorOne Cash Rewards card art
Recommended Credit:
720850
Excellent Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"3% cash back means cheaper bar tabs"

Capital One SavorOne Cash Rewards is an optimal choice for people with Excellent Credit. With enticing perks like cashback rewards and intro APR offers on purchases and balance transfers, this card pulls out all the stops. For savvy credit users, this is a great credit card for anyone who spends on dining and entertainment. Here’s what we love about SavorOne:

Initially the Capital One SavorOne Cash Rewards may look like any other rewards credit card, but peel back the surface and there’s a lot of perks for frequent diners. Unlimited 3% cash back on entertainment is the most significant. That’s far above average rewards for doing something you are doing anyway, dining out! However, if you choose to dine in, you get 2% at grocery stores. Still, there’s 1% on all other purchases. So no matter how or where you dine, you’re earning something.

If revenge is a dish best served cold, get back at your mountain of credit card debt by taking advantage of 0% for 15 months on balance transfers. Not only that, but you also get 0% for 15 months on purchases too. Use that incentive to revamp the space where you dine, remodel your kitchen or just make a big purchase you’ve been dreaming of.

All in all, we think this card is pretty great. The major drawback is that you have to have Excellent Credit to get approved. If you’re a planner who has inconsistent credit, consider the Capital One SavorOne Cash Rewards your #creditcardgoals in the years to come. If you have a great credit score and are hungry for savings, this is a stellar card to add to your wallet.

Wells Fargo Cash Wise Visa Card

Wells Fargo Cash Wise Visa card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.8% cash back w/ ApplePay® or GooglePay™"

The adage “money talks” exists for a reason. But perhaps, it’s never been truer than with Wells Fargo Cash Visa credit card. That’s because not only do you earn cashback on purchases, but the Cash Wise Visa card can help you keep the conversation going if your cell phone gets stolen or broken. Obviously, you’re here to learn if this card is right for you. So here are all the details you need to know about the Wells Fargo Cash Wise Visa card:

This isn’t your average, everyday cashback card. It has above average perks, but as such, it’s a card for high-rollers looking to spend tens of thousands of dollars each year on their credit card. And for those who have the credit score to back up that kind of shopping.

Anyone interested in applying for this card should have a minimum credit score of 690. That means to get the best APR available you should apply with excellent credit. If you’re looking for a cashback rewards card that offers similar advantages to average spenders with average credit, this card is not the one for you.

Since the Wells Fargo Cash Wise Visa card tends to offer the same rewards across all spending categories, it’s recommended for shoppers whose spending profile touches on a wide variety of retailers. This card rewards you for shopping online with a qualifying digital wallets, too! The bottom line is if you’re going to make the most of this card, you need to shop ‘til you drop. And do it responsibly.

Wells Fargo offers a number of standard perks that come with this card. These include robust security features like 24/7 fraud monitoring, zero liability protection on purchases and rapid push alerts that keep you on top of any red flags on your account.

There are some additional features that shoppers will receive when they signup for the Cash Wise card, these include:

These benefits make one thing clear, when you are a Cash Wise user, Wells Fargo has your back. But the selling point of this card is an offer of cold, hard cash. As a cashback card, the Cash Wise credit card offers cash on all purchases without rotating categories, and incentives when you shop online with your digital wallet. That's great news for shoppers who use Apple Pay, Google Pay, Samsung Pay or Wells Fargo Wallet.

Like most cards by Wells Fargo, it also offers introductory perks and bonuses that can make it an even more lucrative card for the right type of spender.

Because of the benefits a Wells Fargo credit card has to offer, you may be biting at the bit for the Cash Wise Visa. But proceed with caution to determine if this is the right card for you.

It’s not that this isn’t a good card; we believe it is. But it isn’t geared toward the average consumer. The person who will get the most rewards from this card is an elite breed of high spender with above average credit.

If that doesn’t sound like you, there are a number of other cashback cards reviewed on this site like the Capital One Quicksilver Cash Rewards, Citi Double Cash card, The Chase Freedom Unlimited and Discover it Cashback Card. Any single one of these might be a better fit for moderate spenders looking to reap no frills, flexible cashback rewards.

Reviews of the Cash Wise card seem to be split down the middle. Most negative reviews come from people seeking cashback relief from this card after a one-time large purchase. That’s not what this card is designed for. There are other cards better suited for those seeking to make a large purchase and recoup some of their money back in the form of lucrative bonuses delivered in a timely, easily redeemable way.

Considering the advantages of the Cash Wise card, it’s a good deal for people who spend a lot on credit anyway, pay off their balance each month and have a credit score in the range of good to excellent. If this sounds like you, it’s especially rewarding if you use it to pay your cell phone bill because it can help you in a jam, should your device get stolen or broken. It also rewards people who use digital services like Apple Pay on their smartphone with additional cashback incentives.

For the executive on-the-go who has plenty of disposable income and spends a lot of time tapping away on a smartphone and shopping online, this card offers a lot. Wells Fargo keeps busy customers safe by offering security and protection that helps consumers who don’t have time to check-in often. That’s in addition to cashback rewards on purchases. Who wouldn’t want to get in on that?

But if you are an average consumer, looking to make a one-time, large purchase on credit and need flexible cashback rewards and bonuses to offer financial relief, there are certainly better cards. And if you are a traveler, you might get more out of Wells Fargo Propel American Express, or another card that rewards your wanderlust.

Chase Freedom Unlimited

Chase Freedom Unlimited card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.5% cashback & no annual fee"

This is my #1 pick in the flat rate cash back category. This card offers 1.5% cash back on all purchases with no limits and no need to worry about rotating categories. The redemption options are great too. You can redeem your rewards for cash, gift cards, statement credits, merchandise or book travel through the Chase Ultimate Rewards® portal.

As an added bonus for loyal Chase cardholders, this card pairs nicely with some of their other flagship cards. If you already have the Chase Sapphire Preferred or Chase Ink Business Preferred, you can transfer the points you earn with this card to those cards and maximize your rewards value.

Key features:

Welcome Bonus: 3% cash back on every purchase made in year 1, up to $20,000 spent. After, earn unlimited 1.5% cash back on all purchases
Cash Back Rate: 1.5% cash back on all purchases
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no minimum when redeeming cash back
Introductory APR: 0% intro APR on all purchases for 15 months - 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred)
Fees: There is no annual fee. Foreign transfer fee is 3%
Extra Perks: Free credit score updated weekly with Credit Journey℠. Additional features include purchase and price protection. Helping to protect your belongings as well as protect you from overpaying.

CITI Double Cash Card

Citi Double Cash Card card art
Recommended Credit:
690
850
Excellent and Good Credit
Why We Like It:

"2% cash back always"

If cash is king, the Citi Double Cash Card is your ticket to royalty. This cash back card, which boasts no annual fee, is touted as the hassle-free, versatile rewards credit card you've been searching for to use on all your everyday purchases.

Answer the questions below to find out:

If you've answered yes to a few or more of the questions above, the Citi Double Cash Card—which offers the top cash back rewards rate among its competitors—may be worth looking into further.

With some of the best cash back rewards available, signing up for the Citi Double Cash Card is a no-brainer—assuming you have good credit. If you're looking to transfer a credit card balance and take advantage of the generous balance transfer rate, this card is a good bet.

For those consumers whose purchases fall into a broad range of categories and who are not diligent about opting into and keeping track of bonus rewards categories each quarter, the Citi Double Cash Card is a good everyday, primary credit card for all of your purchases. With this card, you can let go of the mental calculus of figuring out which is the best rewards credit card to use based on your purchase categories.

Wells Fargo Propel American Express

Wells Fargo Propel American Express card art
Recommended Credit:
690
850
Excellent and Good Credit

Travel

Annual Fee

$0

Why We Like It:

"Travel points & no annual fee"

As a culture, we're always so obsessed with getting the latest and greatest when it comes to new phones, cars, clothes and so on, but we don’t tend to look at our credit cards and other financial services in the same way. That could be because banking and finance doesn't have the same exciting feel to it. Still, I think we can all agree that saving money sure feels great!

Why shouldn't we be constantly looking for new banking products that save us money and give us better rewards? If you've relied on the same credit card for years now, I think it's worth your time to see what some other cards have to offer—and the Wells Fargo Propel card is a good place to start.

There are lots of ways to earn plenty of points with this card and if you’re someone who eats out at restaurants or orders takeout a lot, or someone who travels often or uses public transit, this card will be great for you.

Chase Slate

Chase Slate card art
Recommended Credit:
690
850
Excellent and Good Credit

Intro Period Months

15

Balance Transfer Fee

0%

Why We Like It:

"Consolidate your credit card debt"

The Chase Slate Card is one of many credit cards offered by the Chase family of products. It offers numerous benefits to users who are interested in transferring balances over from high-interest rate credit cards, as well as first-time cardholders who are looking for a good deal and you can start forming the foundations for good credit and financial health habits. While other credit cards specialize in things like airline miles or rewards points, the Chase Slate is the ideal credit card for balance transfers.

People who own the Chase Slate card say that the application process is smooth and even with a fair credit rating you may still get approved, however, the amount you're allowed to transfer over may be less. Those with good credit who are looking to pay down a small balance find that Chase Slate works precisely as advertised.

In order to use this card to its fullest and take advantage of all of its benefits, it's worth having the foundations of good financial health to begin with. If you're looking for a reliable card and don't carry much (if any) credit card debt on you, the Chase Slate is one you'll want to have on hand. Plus, adding to this the fact that you can get your FICO score free each month as well as being enrolled in the Blueprint program make the Chase Slate card one of our top picks to help you pay down your debt quickly and effectively.

Citi Simplicity Card

Citi Simplicity Card card art
Recommended Credit:
690
850
Excellent and Good Credit
Why We Like It:

"Low interest no late/annual fee"

You're the perfect customer for Citi Simplicity if you want a no-fee credit card with a long 0% interest rate.

Wondering whether the Citi Simplicity is a better bet for you? Answer the questions below to find out:

If you answered yes, then Citi Simplicity is a good credit card to consider. If you're working to pay off credit card debt, the Citi Simplicity is a good bet. The Citi Simplicity's strength lies in its promotional period, which is among the longest and most generous industry-wide. If you are giving it everything you've got to pay down credit card debt, you'll find that you can save more money with the Citi Simplicity.

Capital One Savor Card Review

Capital One Savor Rewards card art
Recommended Credit:
720850
Excellent Credit

Dining

4%

Annual Fee

$95

Why We Like It:

"Go out more; 4% cash back dining/entertainment"

If groceries and eating out make up a big part of your monthly budget, the Savor Rewards card is an excellent choice. Foodies, rejoice! The credit card you've been looking for is here. Well, it's been here since October 2017, when the Capital One Savor replaced the bank's Premier Dining Rewards. And it's definitely good news for those who love dining, drinking and even Instagramming their gastronomic exploits.

Because on top of sweetening the benefits, the Savor card delivers a combination of food-centered cash back rewards in one tasty experience. You can expect more cash back on dining, entertainment and groceries than every other purchase. All of that, plus other benefits, make the Savor one tough cookie to beat when it comes to getting rewarded for something as enjoyable as wining and dining.

The Savor's three-tier cash back system is unique. Food makes the world go round. And it also makes the Savor card worth your time and money.

Before you fill in the application, ask yourself these questions:

If you answered yes to two or more of these questions, then you should consider getting yourself the Savor and making it your main credit card. Terms apply.

Bank of America Travel Rewards Credit Card Review

Bank of America® Travel Rewards card art
Recommended Credit:
690
850
Excellent and Good Credit

Do you hate being tied to a particular travel brand when trying to redeem points? This rewards program gives you the freedom to travel with whichever company you like. New Travel Rewards cardholders will benefit from intro offers and a nice signup bonus which could lead to hundreds of dollars in travel credit.

While most credit card companies do mile programs in which X number of miles collected represents X number of miles you can travel, the Bank of America Travel Rewards card does things a little differently. Rather than deal with accrued miles, the credit card issuer uses points that can be exchanged for credits to offset travel expenses.

At the same time, the post-introductory interest rate will likely inspire cardholders to keep a low balance — meaning it could take much longer to accrue a substantial amount of points. In large part because of this, consumers and experts generally agree it's not the most generous rewards program available on the market.

As mentioned above, there are a few notable benefits to owning the Bank of America Travel Rewards card. Chief among them are sign-up bonuses and intro offers. After that, all cardholders enjoy:

You can then log in to the points-redemption dashboard to check off the expenses you want to use your points toward. If your travel expenses totaled $1,000 and you've got $1,000 worth of points, you just went on a free vacation. However, realistically, it will take a long time to accrue that many points, given how the program is designed.

Alternatively, points can be redeemed for gift cards and cash if you're not planning any travel. They can even be used to make a payment on a mortgage loan or contribute to an education-savings account — as long as they're either Bank of America or Merrill Lynch accounts.

The spend-to-points ratio for the BankAmericard Travel credit card is diluted. For non-Bank of America banking clients, accruing points will definitely be a slow-moving process. The card also doesn't provide trip-cancellation insurance, rental-car insurance, airport lounge access or any of the other common perks associated with travel-rewards cards. All told, after the sign-up bonus, the long-term benefits of the Travel Rewards card may appear weak compared to other rewards credit cards.

The Bank of America Travel credit card is the travel card for people who aren’t entirely sold on traveling. Here’s what I mean, let’s say you have a lot of points. You can redeem those on costs associated with a vacation, or use them for something more practical.

Most travel rewards cards come with extra perks, but in order to make the high card fees worthwhile, you have to use all of the travel perks. The Bank of America Travel credit card is more flexible. If you don’t make it to vacation this year, your points won’t be wasted and you can still apply the value.

However, accruing enough points to reap vacation level rewards without carrying a balance that comes with significant interest and fees is a challenge most people aren’t likely to crack. If you aren’t sure what your spending habits are and how you use rewards, this may be a good card to get points that can be used in a variety of ways. That said, it may make more sense to inventory your spending habits and goals before applying for any card to get the most value out of it.

Hilton Honors American Express Review

Hilton Honors American Express Card card art
Recommended Credit:
690
850
Excellent and Good Credit

Travel

Annual Fee

$0

Why We Like It:

"7X Points: Hilton Hotel/Resort"

Whether you're traveling for work or taking a weekend getaway, a travel rewards card can reward you for every dollar you spend. And if you usually choose a Hilton hotel or resort, the Hilton Honors American Express Card can help you rack up points quickly and enjoy a few extra perks during your stay. Of course, the points you earn can only be redeemed within the Hilton brand, which is fairly standard for a hotel-brand credit card. If you almost always stay at a Hilton property, then the Hilton Honors Card will absolutely be beneficial for you.

People who love to stay at Hilton hotels and related brands like Waldorf Astoria, Hampton, and Embassy Suites more than once a year get the maximum benefits out of this card.

Before you decide if the card is right for you, ask yourself:

If you answered yes to one or more of these questions, the Hilton Honors card may be a smart option for you. The more you travel, the more you earn. If you're not sure yet whether a travel rewards card is the best option for you, the Hilton Honors Card is a low-risk way to find out. Terms apply.

Barclaycard Arrival Plus World Elite Mastercard Review

Barclaycard Arrival® Plus World Elite Mastercard® card art
Recommended Credit:
690
850
Excellent and Good Credit

Annual Fee

$89

Why We Like It:

"2X miles every purchase"

The Barclaycard Arrival Plus World Elite MasterCard carries its weight in the travel reward credit card world. That's because it's not branded by one particular airline or hotel chain, leaving you to roam freely throughout the world as you redeem your travel purchase points.

While more experienced travelers—or those looking for good deals on luxury offerings—might be more willing to comb through the fine print of award travel options, you don't have to with this card. All you have to do is remember to use it when you make a purchase and watch those miles pile up.

That's right, there are no restrictive categories to keep track of. You can use your miles to pay off travel purchase charges including travel agencies and websites, airlines, hotels, car rentals and ground transportation, trains, cruises and ferries, timeshares, and campgrounds. So whether you are looking for a budget weekend getaway or a longer, luxurious stay, this card will come in handy.

Capital One VentureOne Rewards

Capital One VentureOne Rewards card art
Recommended Credit:
690
850
Excellent and Good Credit

Annual Fee

$0

Why We Like It:

"For frugal, occasional travelers"

If you travel frequently and like to whip out plastic for everyday purchases, the Capital One VentureOne credit card is a flexible travel card that offers you freedom. The card's basic rewards structure offers flat rate points on all purchases, and they are easily redeemable points, to boot.

The biggest bonus to owning a VentureOne card is it’s easy-going earning potential. It allows you to earn slightly higher than average points on all purchases. Unlike it’s cousin card, the Venture Rewards card, the VentureOne card has no annual fee at the time of writing this. For the shopper who is also a mover and a shaker, the Capital One VentureOne card offers a host of perks that see no end to your wanderlust.

HSBC Gold MasterCard

HSBC Gold MasterCard card art
Recommended Credit:
690
850
Excellent and Good Credit

Intro Period Months

15

Balance Transfer Fee

4%

Why We Like It:

"0% APR for 18mo on transfers/purchases"

The concept behind the HSBC Gold Mastercard is simple: Give consumers a fantastic, low-interest card, great for one-time purchases and balance transfers, and they will carry a balance from month to month. It’s designed to be a low APR card for those who need to charge a bigger balance, and that’s exactly what it allows consumers to do. What you give up in additional perks, you make up with a low maintenance, hassle-free card.

For most of the cards we review, we recommend not carrying a balance. That’s because interest can get expensive on a more typical card and you’ll often see us recommend that people build good credit habits by spending only what they can afford and paying their balance in full each month. You may be surprised to see that for this card we recommend the opposite. In a perfect world, you’ll never need an advance on a large sum of money, but we all know sometimes you need money you just don’t have—and that’s where the HSBC Gold Mastercard shines.

Whether transferring a balance or making a large purchase, the intro APR offer and below average residual APR on this card makes it a good choice for those who know they will need to carry a balance from month to month. Use it to finance new bedroom furniture or pay down an existing credit balance. When paid on time, you’ll see the amount owed get smaller and smaller, making this a great card for getting out of debt.

Barclaycard Ring Mastercard Review

Barclaycard Ring Mastercard card art
Recommended Credit:
690
850
Excellent and Good Credit

Intro Period Months

15

Balance Transfer Fee

2%

Why We Like It:

"Low APR & No Annual Fee"

The Barclaycard Ring Mastercard was designed by Barclays to give customers a say in how their credit card works. Cardholders become part of an online community and can participate in discussions. Using the “Influence” section of the site, cardmembers have the opportunity to submit and vote on ideas. There is also a blog providing financial tips.

Members of the community can track the overall financial performance of the Barclaycard Ring Mastercard and Barclays shows the card’s estimated monthly profits and losses. In addition to transparency, through the Giveback program, Barclaycard Ring Mastercard holders can receive a share of the card’s profits.

This innovative product and process makes the Barclaycard Ring the first "crowdsourced" credit card. If you have excellent credit, the Barclaycard Ring Mastercard is worth your serious consideration.

Chase Freedom

Chase Freedom card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"5% cashback per quarter ($1,500)"

Cardholders earn 5% cash back in rotating quarterly categories, up to $1,500 in spending per quarter. All other purchases earn a flat 1% cash back. To get the 5% rewards, members must opt in to the bonus categories each quarter. Forgetful? Not to worry, they allow you to opt in as late as the 14th day of the third month of the quarter. You also have access to Chase’s Ultimate Rewards site which allows you to get even more back when you redeem.

Everyone loves bonuses and the Chase Freedom® has a great sign up bonus. Earn $150 after spending $500 on purchases in your first 3 months after opening your account. The card also has an intro APR of 0% on purchases and balance transfers for 15 months and offers a $0 annual fee.

Key features:

Welcome Bonus: Get a one-time $150 cash bonus after you spend $500 in qualifying purchases within 3 months of opening your account
Cash Back Rate: 5% cash back on quarterly rotating categories (up to $1,500 per quarter). Unlimited 1% on everything else, include any rotating category spending above $1,500
No Rush Or Worry: Cash back rewards won’t expire as long as the account is open and there is no minimum when redeeming cash back
Introductory APR: 0% intro APR on all purchases for 15 months — 0% intro APR on balance transfers for 15 months (3% fee on amounts transferred)
Fees: There is no annual fee. Foreign transaction fee is 3%
Extra Perks: Free credit score updated weekly with Credit Journey℠. Purchase Protection that covers all purchases made with your Chase Freedom card against theft, damage, and loss for 120 days (up to $500 per claim and $50,000 per account)

Chase Ink Business Cash

Chase Ink Business Cash card art
Recommended Credit:
690
850
Excellent and Good Credit

APR

21.49%

Why We Like It:

"Big cashback for business"

There are clear benefits to using the Chase Ink Business Cash credit card. It’s the cash back card many business owners have been dreaming of, with offers of higher than average cash back rewards in easily spendable categories. It also has the potential for bonuses and intro offers that make it good for one-time capital expenditures or balance transfers in year one.

So what’s the catch? Well, there are some potential drawbacks. The Chase Ink Business Cash may be less useful for businesses that don’t prioritize telecom utilities as a credit expenditure or don’t shop for office supplies with any frequency. It also has a cap on bonus cash back. That means once the spending threshold is met, rewards diminish greatly in value.

For these reasons, some business owners with excellent credit may be enticed by more rewarding credit card offers. However, Chase Ink Business Cash is a well-rounded business credit card for making large purchases, transferring balances or just for everyday spending. If you’re a business owner looking for a credit card that meets your basic needs and offers some rewards, the Ink Business Cash card by Chase is a solid option.

Chase Sapphire Preferred Card Review

Chase Sapphire Preferred card art
Recommended Credit:
690
850
Excellent and Good Credit

Travel

Annual Fee

$95

Why We Like It:

"Double points on travel and dining"

Cross-checking travel rewards cards so you can afford to crisscross the globe? Traveling is an expensive, yet incredibly rewarding experience. But if the wanderlust is strong in you, the Chase Sapphire Preferred card might be the credit card of your dreams. With rewards points earned on travel and dining purchases and a multitude of other rewards, the Chase Sapphire Preferred card earns high marks with frequent travelers.

We outlined all the benefits of having one of these credit cards in your lineup, but let's talk about the reasons cardholders love the Chase Sapphire Preferred card the most:

1. You Get More Points for Your Buck


2. Amazing 24/7 Customer Service and Support


3. You Can Use the Chase Sapphire Preferred Card Pretty Much Everywhere


4. The Chase Sapphire Preferred Card is Legit Metal — Not a Flimsy Piece of Plastic — So It's Actually Cool


5. Points Earned are Good Towards Travel without Any Limitations


6. Team Up with the Chase Freedom Card to Maximize Your Points Earning Potential

Frequent travelers and those who dine out often will earn reward points the fastest with the Chase Sapphire Preferred card. Yet both new credit cardholders and seasoned vets will appreciate the points on travel and dining at restaurants (as well as points on other purchases). Taking advantage of the signup bonus and adding an authorized user to your account could net you even more points. So if you spend a lot on Uber rides, take out, flying or staying with one of Chase's Ultimate Rewards travel partners, this card will reward you for the activities you're already doing.

Discover it Balance Transfer

Discover It Balance Transfer card art
Recommended Credit:
690
850
Excellent and Good Credit

Intro Period Months

18

Balance Transfer Fee

3%

Why We Like It:

"Great for those in debt"

If you’re like many Americans, you could be in over your head when it comes to credit card debt. Sound like you? If so, you may benefit from a card that helps you pay off debt more quickly. Such a credit card is known as a balance transfer card. That’s because these cards make it easy for you to transfer debt and offer incentives, usually in the form of introductory APR periods, that help you snuff out debt for good. One strong choice for balance transfers is Discover It Balance Transfer. If you have Excellent and Good Credit, but have accumulated a lot of debt getting there, this card may be a solution for you.

Let’s look at the nuts and bolts of this Discover it card. First, it comes with a stellar APR offer on balance transfers: 0% for the first 18 months. It’s not as great a card for first time purchases. It still offers an intro period, but it’s much shorter at 0% for the first 6 months. That’s okay, this card is a solid choice for doing what it’s intended to do, helping you crush your debt. By offering an extended APR intro period on balance transfers, you’ll have a good chance of paying off your debt if you play your cards right!

No annual fee also makes this card special. Well, special when compared to some other cards in the same vein that do have annual fees, but not special when comparable to other Discover cards. This is a selling point for Discover’s suite of credit cards, and you may remember them saying it if you’ve ever watched a Discover commercial. All things considered, the Discover It Balance Transfer is a great card for anyone looking to erase their debt. Just remember, paying down credit debt is a marathon not a sprint, in most cases, but with this card, it’s easier than ever!

Discover it Cash Back Rewards Card

Discover it Cash Back card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"5% cashback rotating categories"

The Discover it Cash Back card is a solid card for people who want to maximize cash rewards and don't mind if their purchases only fit certain categories. Considering that Discover matches all the cash back you've earned at the end of the first year, there's a lot to like about getting that on top of bonus cashback incentives in the rotating categories. If you want a great, all-purpose cashback card on both purchases and balance transfers, it's hard to beat the Discover it Cash Back. Provided you can fit your spending within specific categories, this is definitely a card you'll want to have on hand for shopping!

One of the points to keep in mind with the Discover it Cash Back card, is you'll need to activate your bonus categories at the start of every quarter. Fortunately, you can activate the bonus categories through the Discover it card account center online or by phone. Categories change every year, but generally tend to follow a broad spending category. These categories include: Amazon and wholesale clubs, grocery stores, transportation gas stations, Uber and Lyft and restaurants.

Another notable feature is {aprs.purchaseIntro.displayText} For this reason, it makes a great card for a balance transfer or one time purchase. As for balance transfers, there is a fee: {fees.balanceTransfer.displayText}. That said, Discover cards are accepted at 97% of stores in the U.S. The variable APR range of {aprs.purchase.minimum}% to {aprs.purchase.maximum}% isn't too bad either. On the high end, it's above average, but that range is inline with other cards of this caliber. Ultimately, choosing the right card means taking a closer look at your lifestyle, your goals and which features are the most important for your needs. If the Discover it Cash Back card fits your needs, we would highly recommend putting it first in line.

Chase Sapphire Reserve Card

Chase Sapphire Reserve card art
Recommended Credit:
720850
Excellent Credit

Travel

Annual Fee

$450

Why We Like It:

"3X points on dining and travel"

The Chase Sapphire Reserve card is a great fit for frequent globetrotters with excellent credit who will maximize the perks offered while also racking up more points on their high travel and dining expenditures. However, even if you're not a heavy credit card user and only use this card for travel and dining purchases and decide to cancel it after a year, you can still cash in on some killer rewards.

For example: If you get this card and spend big on dining and travel, you can rack up plenty of travel rewards in just your first year of using the card. And any credit card that pays YOU money is worth a serious look.

As with any card, just be sure to make your payments on time to keep your credit score where you want it to be.

Amex Platinum Card Review

Platinum Card from American Express card art
Recommended Credit:
690
850
Excellent and Good Credit

Travel

Annual Fee

$550

Why We Like It:

"Huge benefits for big spenders"

The Platinum Card from American Express makes the ideal travel companion. It undoubtedly proves that not all travel credit cards are created equal. The Amex Platinum is simply in a class of its own, and it's poised to expand your world even more as you travel, thanks to the bountiful opportunities for luxury upgrades and travel bonuses it provides. You'll be able to travel more frequently and more conveniently, courtesy of easy reward-redemption options through Amex's Membership Rewards program.

This card opens doors — literally. Whether it's the door to your Uber ride or the door to that amazing airport lounge on the other side of the world, the Platinum Card by Amex lets you in. You don't know travel until you travel with the Amex Platinum. There's a reason Amex didn't name this card Silver or even Gold. It's Platinum, and boy, does it deserve it!

Although Amex has long retired two of its famous taglines: "Membership has its privileges," and "Don't leave home without it," their underlying sentiments still ring true for their card today.

If travel is an important element of your life, and you have a credit score that lands in the "Good" to "Excellent" range, then you should probably apply for this card.

If you want a travel card that works and plays as hard as you do, then you've found it. Using up the airline and Uber credits, plus a handful of airport lounge visits sprinkled in, means you've easily scored back the entire cost of your annual fee. And that's not even touching all the thousands—yes, thousands!—of points you'll get with promotions and deals through the Membership Rewards program. So if you're gearing up for lots of travel in 2019, the Amex Platinum card would definitely be a travel companion worthy of a space in your wallet. Terms apply.

Blue Cash Preferred Card from American Express

American Express Blue Cash Preferred card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1%

Annual Fee

$95

Why We Like It:

"6% cashback on U.S. groceries"

If you want a credit card with a low cash back threshold, plus cash back on everyday purchases like groceries or gas, the American Express Blue Cash Preferred card may be a good choice. Not only do you get cash back for buying everyday items with your card, you could also qualify for some introductory perks.

Even after any intro period incentives are over, the variable interest rate range is very competitive. It offers one of the lowest interest rates for those with excellent credit. But interest rates can change, so it’s important to understand other places where this card can offer value.

With 6% cash back rewards at local supermarkets, it’s a great incentive for families that cook and eat at home often. You can also get cash back at gas stations and even department stores. Just make sure you’re using your cash back bonuses. If you plan to, the Blue Cash Preferred by American Express is a great choice!

HSBC Cash Rewards Mastercard

HSBC Cash Rewards MasterCard Credit Card card art
Recommended Credit:
690
850
Excellent and Good Credit

Everyday Rewards

1.5%

Annual Fee

$0

Why We Like It:

"1.5% cashback on everything"

The HSBC Cash Rewards Mastercard is largely regarded as one of the better options on the market for those seeking to get cash back from their purchases. That’s because it offers above average cashback rewards on all purchases and a substantial anniversary bonus. It’s also widely accepted, anywhere you can use a Mastercard. Here are the details about the HSBC Cash Rewards card:

The Cash Rewards is a well-rounded card with straightforward benefits. It offers a slew of shopping perks like an extended warranty on eligible purchases and shopping assurance to cover items from damage or theft. However, it also appeals to travelers with its lack of foreign transaction fee, MasterAssist pre-trip planning and roadside assistance. These are a few benefits of partnering with Mastercard, in addition to its wide acceptance.

With the HSBC Cash Rewards Mastercard, what you see is what you get. That’s certainly true for it’s above average rewards, bonuses and exciting intro offers. All of the above, make this card a great one for anyone who enjoys the finer things in life like travel and shopping. However, if you want to be eligible for this card, you’ve got to have a credit score that matches its high rewards, that means you need to have a good to excellent FICO score to get approved.

Best Credit Cards for People With Excellent Credit

When you manage your credit cards wisely, your credit history will reflect your actions. Higher credit scores can open up all sorts of opportunities, including more spending power and better interest rates. While your mailbox might be packed full of credit card applications, that doesn't mean you should fill them all out. Smart budgeting choices got you to this point with your good credit, now you'll have to make some good choices on what to put in your wallet.

If you don't choose a rewards card carefully based on your lifestyle, you could get "stuck" with a ton of points that will just flounder in your account. For example, if you don't like to travel or don't do it often enough, skip the travel rewards card and go with a cashback rewards card. If you're eager to hang onto your rewards, make it a point to pay off your balance every month, or otherwise your interest will negate any rewards or cash back you might get.

If you'd rather spend time researching your next vacation instead of researching your credit card options, we hear you. That's why we've done the grunt work for you. Because you now have the freedom to choose which card will serve you best. We've examined and compared a variety of cards and their signup bonuses, rewards programs, annual fees (if any) and more. Keep reading to see which cards made our top 5 list of credit cards for consumers with excellent credit (750 FICO score and above).

Having credit card options gives you power over your finances

Did you know that only about 1 in 5 Americans have excellent credit scores? If you're one of them, you're in an elite club, and it's no wonder that credit card companies are rolling out the red carpet for you. Here's how to stay on the A list:

Figure out which cards are keepers. Some people believe it's best to stick to one or two cards. But then there are those who tout the benefits of having multiple credit cards in the rotation. The latter is a good move if you're super organized with your finances, can pay off all or most of the balances each month and can benefit from the numerous types of travel rewards and cashback rewards options.

Exercise financial restraint. Let's be clear: Your stack of credit cards shouldn't resemble a deck of cards. Just because you've got a good credit history and can raise your credit limit by opening another card doesn't mean you should. After all, debt hovers over our country like a persistent black cloud. If you've done well with managing your credit and have the FICO score to prove it, then don't get wooed by shiny invitations from credit card companies that show up daily in your mailbox.

Match your credit options to your spending habits. Excellent credit gives you excellent options when it comes to filling your wallet. Rewards credit cards allow you to take your spending to the next level, so a regular trip to the gas station or supermarket allows you to put money toward a vacation. So, sit back and take a look at all those credit card invitations. As a consumer with a rockin' FICO score, you are so popular. Wield that power and credit limit wisely, and you'll be rewarded—literally.

How we picked these cards that work for your lifestyle

It's all well and good to aim for the card that offers the biggest signup bonus. But it's worth it to take a few minutes to reflect on what matters most to you as a consumer. Is it travel rewards? Restaurant and entertainment benefits? Ongoing cashback incentives?

With this in mind, here are our top 5 choices of credit cards for consumers with excellent credit:

Chase Sapphire Preferred

This card is awesome for travel and restaurant rewards.

If you travel frequently, or would like to start, the Chase Sapphire Preferred card makes it easy for consumers to rack up points and redeem them for travel rewards. That's because you get 2X points per $1 on dining at restaurants and 2X points per $1 on travel. Don't for get you also get 1X point spent on all other purchases. which makes it a practical card for reaping rewards wherever you spend money.

We chose it because of the superb signup bonus

With some travel rewards cards, the cruise ship may have sailed long before you can rack up enough points to embark on any trip. Not so with Chase Sapphire Rewards. Instead, you get 60000 points when you spend $4000 in 3. So in theory, you can get the card to finance one vacation and by redeeming the point bonus, you can purchase flights for another or a reasonably priced cruise.

Consider the annual fee.

Even when a card has stellar rewards, it's a real bummer when they come with an annual fee. Granted, the Chase Sapphire Preferred isn't the most expensive card to keep in your wallet at $95 annually (although the sister card, Chase Sapphire Reserve, could be) but there are other no fee options out there. Still, if you're a loyal Chase customer and have gotten into a groove with racking up rewards points, then the annual fee will get absorbed easily year after year.

Discover it Cash Back

The card for premier rewards and perks.

If you prefer cashback rewards so you can use them any way you see fit, then the Discover it Cash Back is a contender.

Redeem points easily. Redeem points (which don't expire) for cash at any time.

Enjoy extra perks. In addition to earning 5% cash back in rotating quarterly categories, shop through Discover's online mall to accrue additional bonus points.

We chose it because of the cashback rewards.

Cause what's better than getting a nice chunk of cash back?

You might not use this card all the time. Yes, you can use Discover it for everyday purchases, but the real magic with this card is in those bonus categories. That means it might make sense for you to take this card out of the rotation at certain points during the year so you can rack up better rewards with another card. Of course, if you're cool with analyzing your spend and bonus categories every so often, then carry on with Discover it.

Capital One Venture Rewards

The card that goes all-out on travel rewards.

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Capital One was one of the first credit cards to make rewards travel more manageable with no blackout dates—and it still is.

Enjoy a cool signup bonus and earn points that are easily redeemable.

Get 50000 miles to redeem toward travel and travel related purchases, when you spend $3000 in 3 months. When you're ready for redemption, points are applied as a statement credit that nullifies a previously made travel purchase through the Purchase Eraser.

Upgrade your travels with extra perks. Get ready to travel like a rock star when you call on the 24/7 concierge for planning help.

Platinum Card from American Express

This is the top notch card for world travel and luxury upgrades.

Just holding the Platinum Card from AMEX feels good (it's thicker and heavier than all the rest), but what's great are the points you'll accumulate for travel and luxury upgrades. Receive 5X points on flights when you book with airlines or with Amex Travel, and Receive and 5X points on prepaid hotels by booking on amextravel.com.

We chose it because of its "elite" aspects

Remember that Tina Fey commercial where she flashes her AMEX card and gets into the first-class lounge alongside Martin Scorcese? Having that kind of luxury access is not far off from real life when you have an AMEX Platinum card. Flash your card for exclusive entry. The AMEX Platinum card will get you access to a slew of airport lounges, not to mention a credit toward Global Entry or TSA check-in. There's also a chance for credit toward your Uber rides. So even if you're flying coach, you're feeling first-class with Amex wherever you travel.

The annual fee is a tough sell at $550 but if you take advantage of the many benefits and discounts that come with being a cardholder, you can certainly make enough to absorb that fee each year.

Citi Double Cash Card

This is the best card for cashback rewards and balance transfers.

Sometimes cashback cards can get complicated with the math. Not this one!

    • If you love tons of cashback and like to keep it simple, this card is for you!
    • One of the most popular cash back cards, 2% cash back.
    • 1% cash back on all purchases .
    • 1% cash back as you pay for those purchases, as long as you pay the minimum due.
    • Without any caps or category restrictions.

Skip the bonus categories and just earn points. To redeem your cashback, simply log onto your account and choose an amount to be credited.

We chose it because of its incredible balance transfer offer. If you get this card just for that benefit alone, we wouldn't blame you—but don't forget about its significant cashback rewards either!

Know that high interest rates may apply. This might surprise some consumers, so maybe just think about using this card just for a balance transfer. If not, just try to pay off the balance every month because the APR is between 15.74-25.74%.

Be patient with repayment. If you're used to paying off your credit card payments before they even hit your monthly statement, you're going to want to read this carefully.

Celebrate your Excellent credit score with options.

If you're part of the elite group of credit consumers who has Excellent credit, the world of rewards cards is your oyster. With many to choose from, we've given you are take on the best rewards for your buck! Dive in to all the perks an Excellent FICO credit score has to offer. You've earned it, credit superstar!