People with excellent credit not only have the upper hand when it comes to getting a mortgage, paying lower interest or even being accepted for a job, they also get to earn the most rewards when making purchases with their credit cards. To attract more new customers with excellent credit scores, credit card issuers in the US have created a wide range of credit cards for people with excellent credit. These high-end credit cards offer more rewards and special privileges than the cards offered to consumers with lower credit scores.
Credit cards for excellent credit are mainly for people who have a credit score of 740-850. Most of these cards are rewards and travel credit cards that offer large signing bonuses and extra benefits and perks that are not offered elsewhere, with many of them offering 0% foreign transaction fee, no balance transfer fee, travel accident insurance, purchase protection, extended warranty and many more.
For those of you who have very good to excellent credit score (740-850), I have compiled a list of the 5 best credit cards for excellent credit offering the juiciest rewards and largest signing incentives so that you can browse through them easily and find the card that will reward you most for your spending.
Here is a list of the top credit cards for excellent credit:
Blue Cash Everyday® card from American Express. Receive 50 Reward Dollars when spending $1,000 during the first 3 months. With this card you will earn 3% cash back for each dollar you spend at U.S. stand-alone supermarkets (on the first $6,000, 1% thereafter), 2% cash back for every dollar you spend at U.S. stand-alone gas stations and select U.S. department stores, and 1% cash back for every other eligible dollar you spend with your card. Enjoy 0% introductory APR on purchases and balance transfers for 15 months, 12.99%-21.99% variable APR thereafter. Cash back can be redeemed in the form of an annual reward coupon redeemable as statement credit. No annual fee. Terms and limitations apply.
Click here to go to the official American Express website to apply online for the Blue Cash Everyday® Card now.
Chase Freedom. Receive a $100 bonus once you spend $500 in the first 3 months and an additional bonus of $25 when you add your first authorized user and make a purchase within this same 3-month period. Earn 5% cash back in categories that rotate quarterly (up to $1,500), and 1% cash back on everything else. The cash back you earn never expires and there is no limit to the amount you can earn. Make use of the free Blueprint program to manage your balance payments. 0% intro APR on balance transfers and purchases for 15 months, with a variable APR of 13.99% to 22.99% after that. No annual fee. Chase Freedom even made it to DailyMarkets.com’s Best Credit Cards 2014 list.
Click here to go to the official Chase website to apply online for the Chase Freedom $100 now.
Chase Sapphire Preferred Card. Receive 40,000 bonus points when you spend $3,000 in the first 3 months, and 5,000 bonus points when you add an authorized user and make your first eligible purchase within the first 3 months. Earn up to 10 points when shopping at Chase’s online mall, 2 points when making restaurant and travel purchases, and 1 point for every other dollar you spend. When redeeming your points for airfare and hotels online through Chase, they are worth 20% more. No foreign transaction fee. $95 annual fee waived the first year.
Click here to go to the official Chase website to apply online for the Chase Sapphire Preferred Card now.
American Express Gold Delta Skymiles. Issued by American Express (NYSE:AXP), this card lets you earn 30,000 miles when you spend $1,000 within the first 3 months. Earn 2 miles for every dollar spent on Delta airline purchases, and 1 mile for every dollar you spend you spend on other purchases. Enjoy 20% discount on purchases made when flying on Delta airlines and a $50 statement credit when you make a Delta purchase within the first 3 months. Your first checked-in bag is free. $0 introductory annual fee the first year, then $95. Terms and limitations apply.
Click here to go to the official American Express website to apply online for the Gold Delta Skymiles Card now.
United MileagePlus Explorer. This great airline credit card is issued by JPMorgan Chase (NYSE:JPM). Receive up to 45,000 bonus miles: Earn 30,000 miles when you spend $1,000 in purchases during the first 3 months, 10,000 miles each year when you spend at least $25,000 and you will qualify and receive 5,000 bonus miles after your first purchase and addition of an authorized user to your account; both must occur during the first 3 months from account opening. Earn 2 miles for every dollar you spend on United airfare purchases and 1 mile for every other dollar you spend. Enjoy 2 United Club VIP lounge passes yearly. Your first checked bag is free. No foreign transaction fees. $0 introductory annual fee for the first year, after that there is a $95 annual fee.
Click here to go to the official Chase website to apply online for the United MileagePlus Explorer now.