The best credit cards for excellent credit are the ones that provide the highest rewards and benefits for your spending habits. These cards can help you get the most out of your money, whether it be in terms of cash back or travel discounts. Whether you're looking to upgrade your card or want to add one to an existing account, here are 10 great options:
Chase Sapphire Reserve
The Chase Sapphire Reserve is the best credit card for excellent credit. It not only offers a sign-up bonus of 50,000 points (worth $750), but it also has an annual fee of $450 and a rewards rate of 3 points per dollar on travel and dining.
It's clear that this card is aimed at travelers who want to maximize their spending on airfare or hotels, but even if you don't use it for these purposes it may be worth considering because of its generous benefits:
You can get up to $300 in travel reimbursements per calendar year for purchases made with your card; no blackout dates apply!
If you pay off your balance every month (with no interest), then also receive 60% back from Chase as part of their Preferred Rewards program—so basically free money!
Platinum Card® from American Express
The Platinum Card® from American Express is one of the most popular credit cards for excellent credit. It has a $550 annual fee and offers travelers a wide range of perks that make it worth considering as your go-to card.
The first thing you'll notice about this card is its generous signup bonus: You receive 50,000 Membership Rewards points after spending $5,000 in the first three months—that's enough to cover most travel expenses for two people! If you don't think you'll use all those points within that period, there's no harm in holding onto them until then (they expire after five years).
Then there are some stand-out perks: 5x points on airfare purchases; 4x points at restaurants; 3x points on gas stations; 2x points on all other purchases. This means that every dollar spent with AMEX will earn an additional 1% back in rewards—that's not bad at all! And since this airline fee credit kicks in automatically when booking flights through Amex Travel website or mobile app (see below), why not fly somewhere fun?
Hilton Honors Aspire Card from American Express
The Hilton Honors Aspire Card from American Express is a great choice for those with excellent credit. It has no annual fee, and it earns 12x points on all purchases. You can redeem these points for free nights at over 5,000 hotels across the world through their loyalty program.
The card also provides a $75 annual travel credit that can be used towards airfare or hotels at select partner airlines like Southwest Airlines or United Airlines (with no blackout dates). Each year you receive an additional $250 airline credit which can be used on any airline ticket booked through Amex Travel Service with no blackout dates!
Chase Sapphire Preferred
The Chase Sapphire Preferred is a credit card that rewards you for your purchases. If you have excellent credit, it's an excellent choice for earning Ultimate Rewards points and redeeming them for travel or cash back.
The card has no annual fee and offers 2X points on travel and dining at restaurants worldwide; 1 point per dollar spent on all other purchases; and an introductory offer of 60,000 bonus points if approved (which can be redeemed for $625 in travel). There's also an intro APR of 0% on purchases until October 2018—then 13 months of 15.24%.
Citi Premier℠ Card
You may be wondering: what is the Citi Premier℠ Card?
The Citi Premier℠ Card is a credit card that offers many benefits, including:
No annual fee.
3x points on travel and dining purchases (expires 12/31/2018).
2x points on all other spending (expires 12/31/2020).
Ink Business Cash Credit Card
The Ink Business Cash Credit Card from American Express is a great choice for anyone who spends a lot of money on their phone bill and in-store purchases. This card offers 5% cash back on your first $25,000 per year in purchases made with the card and 3% cash back after that.
If you make more than $25,000 in purchases during the first year of having this card, then you'll get an additional 1% cash back on each additional $5K spent within 12 months—this total amount can theoretically reach 10% if you're willing to spend all available rewards points.
The Ink Business Cash Credit Card also has some great features: no annual fee (this is unusual among credit cards), no foreign transaction fees or finance charges while abroad (the latter two are common among general purpose cards), no late payment fees or returned payments; no penalty APR if paid off within 60 days after incurring interest charges
Chase Freedom Unlimited
The Chase Freedom Unlimited has no annual fee, and it also offers a 0% intro APR for 15 months on purchases and balance transfers. That means you can get your credit score back up to where it was before your debt problems started, without having to pay any interest on top of the amount you owe.
If that weren't enough, this card comes with no foreign transaction fees (a common occurrence with travel cards), which is nice if you're constantly traveling abroad or just want easy access to cash when making purchases locally.
In addition to these features, there are plenty of other perks as well:
A $150 cash bonus after spending $500 within 3 months of opening an account—that's huge! You'll have enough money in this account right away so that even if something urgent comes up like an emergency expense or unexpected bill payment due at work tomorrow morning (which happens sometimes), then this benefit should help defray some costs while giving them time before incurring more debt through new purchases made with said funds
American Express® Gold Card
The American Express® Gold Card has no annual fee, and the rewards program is generous. The card offers 2% back on dining, airfare, gas stations and select hotels; 1% back on everything else; and a sign-up bonus of 40,000 points after spending $5,000 in the first 3 months.
To earn even more rewards points (which you can use for statement credits or pay off your balance), you need to meet certain spending thresholds each month:
$2,500 in purchases within the first 3 months of being approved for this card
5x points at restaurants during airport stays when you register your travel with American Express Travel Services
American Express Blue Business Cash™ Credit Card
The American Express Blue Business Cash™ Credit Card is a great option for people who want to earn rewards on all purchases. It offers 5% back on up to $50,000 in purchases made within the first 6 months of account opening, which is not bad at all. In addition, you can get 2% cash back at office supply stores and wireless telephone services, 1% back on all other purchases—and it's free!
Wells Fargo Visa Signature® Card
The Wells Fargo Visa Signature® Card is a popular credit card for people with excellent credit. The rewards program offers cash back on purchases, travel rewards, and other perks.
The Wells Fargo Visa Signature® Card has no annual fee and no foreign transaction fee (which means it can be used overseas). You also won’t pay any balance transfer fees or late payment fees if you pay off your balance in full each month by the due date on your statement. Finally, there’s no cash advance fee or overlimit fee—the latter being when someone uses more than their authorized limit of cash advances (usually $500) within one billing cycle without paying interest charges first.*
The best credit cards for excellent credit are the ones that provide the highest rewards and benefits for your spending habits.
The best credit cards for excellent credit are the ones that provide the highest rewards and benefits for your spending habits. Rewards, be they cash back or points to use toward future purchases, can help you save money in ways other than just paying off your balance every month.
The best way to find a credit card that works for you is by comparing all of its features against each other. Then, pick one with all of the perks you need:
A low annual fee (if there is one)
No foreign transaction fees if used abroad
An introductory offer on balance transfers
Conclusion
The best credit cards for excellent credit are the ones that provide the highest rewards and benefits for your spending habits. These cards can help you save money on things like travel, dining out, and even shopping online.