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Top 10 Credit Cards For Excellent Credit

Do you have excellent credit? If so, it’s time to upgrade to a better rewards credit card.
The banks are fighting harder than ever to win customers with excellent credit. Take advantage of your excellent credit today by getting a card that earns you more rewards. Our credit card experts have selected the top 10 credit card deals you can take advantage of right now:

A top travel card. This card earns you 2 miles for every $1 spent and comes with a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months of account opening, equal to $400 in travel. It does have an annual fee of $59, but it’s waived the first year. The card allows you to fly any airline, stay at any hotel, anytime with no blackout dates a real plus for last minute travel plans. It also has zero foreign transaction fees and your Miles won't expire for the life of the account. All of these benefits make the Capital One Venture Card a great fit for all travelers and even once-a-year vacations!

This cash rewards card comes with a unique sign up bonus unlike anything you’ve seen. At the end of your first year, Discover will match the cash back you’ve earned. This is the only credit card that will match your cash back at the end of the first year. So if you earned $200 in cash back from purchases in your first year, Discover will match it, making your total cash back for the year $400! The Discover it card earns 5% cash back in popular spending categories that change each quarter and 1% on all other purchases. The 5% cash back categories include things like gas, groceries, dining, and more. On top of the incredible rewards program, this card comes with 0% intro APR on purchases and balance transfers for 14 months. There is even no annual fee, no foreign transaction fees, and no late fee for your first late payment. This card is perfect for cash rewards, financing a big purchase, transferring your high interest debt, and avoiding bank fees to help you save money.

With the Bank of America® Travel Rewards Credit Card, you'll earn unlimited 1.5 points per $1 spent on all purchases, and points can be redeemed for nearly any travel purchase in the form of a statement credit. This card comes with 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days. That can be a $200 statement credit towards travel purchases, and it’s one of the few travel rewards cards with no annual fee. This card also offers no foreign transaction fees, making it perfect for traveling abroad. If you’re a traveler looking for a simple no annual fee card that won’t restrict your travel to certain airlines, giving you the flexibility to travel on any airline, at any time, with no blackout dates, then this card is for you.

If you’re looking for travel rewards alongside 0% intro APR on purchases, you need to checkout the Discover it® Miles card. This card offers 0% intro APR on purchases for 14 months. This gives travelers the flexibility to pay off large purchases over a longer period of time, while earning miles on their purchases. This is a great travel credit card that also comes with no foreign transaction fees, no annual fee, and no late fee on your first late payment. When you use this card, you’ll earn 1.5 miles for every $1 spent. Add in the fact that Discover will match all the miles you’ve earned at the end of your first year, and you can see why it is one of the top travel cards. Did we mention that you can fly any airline, any time, with no black out dates?

Intro APR of 0% Introductory APR on purchases for 12 billing cycles, plus 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter makes this card a top pick. Did we mention this card comes with no annual fee? In case that wasn’t enough, you’ll also gain access to Bank of America’s award winning online & mobile banking. The reward rates get even better if you have a Bank of America checking or savings account and redeem your cash rewards into your checking or savings account. Finally, you get a $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening. With cash back, no annual fee, a long 0% intro APR, and a generous sign up bonus, and you can see why this card is a top pick of ours!

This is one of the best low interest cards available. Regain control over your financial life with three key benefits. Pay no annual fee and receive 0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days and 0% Introductory APR on purchases for 15 billing cycles as well. What really makes this card shine is that there's a $0 Intro balance transfer fee for the first 60 days your account is open. After that, the fee for future balance transfers is 3% (min. $10). That means your payments can go entirely toward reducing your debt for over a year. Paying down your debt could improve your credit score. Track your progress and access your FICO® Score for free with this card. Unlike most cards, there is no penalty APR here. Put time on your side to trim or wipe out your debt, with no annual fee and no intro balance transfer fee.

This card is perfect for people looking to avoid paying interest or who want to finance a large purchase. The Citi Diamond Preferred offers an intro APR of 0%* for 21 months on Purchases* and 0%* for 21 months on Balance Transfers* – with no annual fee! That means you will have well over a year to pay down your balance interest free. By transferring your other high interest credit card balances to this card, you’ll be able to avoid paying expensive interest charges for the entire intro period. You’ll also gain access to Citi Private Pass for exclusive presale tickets and a Personal Concierge Service available to assist you 24/7. With each purchase, you’ll earn City Easy Deal points with each card purchase redeemable for discounts on online merchandise, travel tickets, gift cards, and more.

The Blue Cash Everyday® Card from American Express is one of the more unique cash back cards. It’s best for the average household. It provides a competitive 3% cash back (with a $6,000 annual cap) at U.S. supermarkets, 2% at U.S. gas stations and select department stores, and 1% on all other purchases with no annual fee! This card is great for anyone that spends a lot of money on gas and groceries. The cash back is received in the form of Reward Dollars that you can redeem for statement credits. The card also has 0% intro APR on purchases and balance transfers for 12 months, so if you need to transfer your balance from another card you can put it on this with zero interest for a full year.

This is one of the best cash rewards card out there because it gives you cash back twice. You’ll earn 1% back when you make a purchase, and another 1% back when you make a payment. You’ll also receive a 0% intro APR on balance transfers for 18 months. This is very helpful in paying off a balance when you transfer it to this card from another credit card. The best part about this card’s cash back? There’s no limit to the amount of cash back you can earn! This card is perfect for people who don’t want to keep up with rotating categories each quarter. When used responsibly, this card is a cash back machine. With a great rewards rate, 18 months of 0% intro APR on balance transfers, and no annual fee, the Citi Double Cash is a smart choice for just about everyone!

Imagine getting almost two years with 0% interest on purchases or a balance transfer. Reshape your financial picture with this industry-leading low-interest card from Citi. If you have major expenses on the horizon, like a wedding, a big trip, new furniture or appliances, this card delivers you an incredible 21 months to pay down that purchase with no interest. That’s right. Almost two years with no interest. For people who want to kick high-interest credit card debt to the curb once and for all, this is one of the best get-out-debt cards available. Transfer your high-interest debt to the Citi Simplicity® Card - No Late Fees Ever and for 21 months your payments will go directly to paying down your balance. That could save you hundreds of dollars in interest. Take the time you need to put your financial house in order. This card is a great match if you occasionally pay a bill late. True to its name, this simple card has no late fees, no penalty APR if you miss a payment and no annual fee. The Citi Simplicity® Card - No Late Fees Ever is best in class beating other 0% intro offers by six to nine months. 

Top 10 Credit Cards For Excellent Credit Reviewed by Jisieike Samuel on August 09, 2017 Rating: 5

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