The 10 Best Credit Cards For People with Excellent Credit
Working hard to build up your credit rating is a great way to go about securing your financial life. While you do not want to live on credit, it is definitely nice to have access to it when you need it the most. At the same time, some of the best offers and highest credit lines are reserved for those individuals who have secured excellent credit over time. If that is you, then you will want to take some time to look through your available options. Many of these cards with a variety of rewards. You will want to select the card that carries the perks you are most likely to use the most. Once you have decided, fill out your application and then get ready for your card to arrive. Here are ten of the best credit cards for people who have excellent credit.
Discover It Cash Back
This card by Discover offers an introductory interest-free period. In addition to that, card users will receive a match of any cashback that is earned during the first year. This amount will be given automatically. There is no fee to get this card, and there is no limit to the amount that can be matched. In addition, you can earn 5 percent cash back at various types of shops, such as fast stations and restaurants. Amazon purchases qualify as well. You can redeem any amount of your cashback balance anytime that you wish.
Chase Freedom Unlimited
This card has a bit of everything. In addition to the introductory interest-free period, you will get 3 percent cashback on any of your purchases made in the first year, up to $20,000. There is a balance transfer fee of 3 percent of the total amount being transferred, with a $5 minimum. There is also no minimum amount that needs to be redeemed when receiving cashback.
Blue Cash Preferred from American Express
With this card from American Express, approved applicants will receive an introductory bonus of $250. There is a $95 associated with the card, but you get an impressive 6 percent was back at supermarkets on up to $6,000. There are also a host of other cashback opportunities to take advantage of as well.
Blue Cash Everyday from American Express
This card comes with a $150 introductory bonus offer and no annual fee. That could be rather appealing to many people with excellent credit. You will also receive 3 percent cash back at grocery stores up to $3,000 per year.
Wells Fargo Propel American Express
This card comes with a no-interest rate promotion for the initial term. There is no annual fee with this card, and members receive a total of $600 protection insurance for their cell phone. This covers you against covered damaged, in addition to theft as long as you pay your monthly bill with the card. There is also zero liability protection offered for all unauthorized purchases that are quickly reported to Wells Fargo.
U.S. Bank Cash and Visa Signature Card
With this card, you can get 5 percent cash back on eligible purchases each quarter up to $2,000. You get to pick the two categories that qualify. You then get to choose one other category to get 2 percent cashback. You will receive 1 percent cash back on all other purchases. There is a $150 bonus with this card and no annual fee.
Capital One Quicksilver Cash Rewards Credit Card
You will also get a $150 bonus with this card, and you only need to spend a total of $500 within the first three months in order to get it. In addition to the interest-free period that you get for a new becoming a new cardholder, you will be able to earn 1.5 percent cash back on all purchases. You will be able to earn an unlimited amount of cashback as well. There is not any annual fee associated with this card, and there are no foreign transaction fees charged.
Citi Simplicity Card
In addition to charging no interest during its introductory period, this card has the distinction of not ever charging any late fees. There is also no rate penalty assessed for late payments, and there is no annual fee. New cardholders will also get the 0 percent interest rate during the initial term on all balance transfers that are made. There is a small balance transfer that will be charged.
American Express Gold Card
This card comes with a nice $150 bonus that will be granted after you spend your first $1,000 with the card. You will just need to make those purchases within the first three months of becoming a cardmember. You will also get 1.5 percent cashback on all of your purchases, and there is no limit to the amount of money that you can get. This is all in addition to the interest-free period that is given to all new cardmembers.
BankAmericard Credit Card
Not only will you receive interest-free purchases for the initial term of getting approved for this card, but you will also get the same offer for any balances that are transferred in from other accounts. There is no annual fee with the card, which is a nice feature as well. There is also no interest rate penalty if you happen to pay your bill late. This card allows you to access your FICO score at any time right from their mobile app.
While you do not want to live on credit, it is definitely nice to have access to it when you need it the most. At the same time, some of the best offers and highest credit lines are reserved for those individuals who have secured excellent credit over time. If that is you, then you will want to take some time to look through your available options. Many of these cards with a variety of rewards. You will want to select the card that carries the perks you are most likely to use the most. Once you have decided, fill out your application and then get ready for your card to arrive.