When you are looking for a new credit card, you owe it to yourself to be choosy. You need to consider if you want a card that offers cash back, travel rewards, balance transfers or another benefit that you will use. You definitely want to get the lowest interest rate possible.
If you have excellent credit, you have more options to choose from when looking for a card. With that in mind, here are the top 7 credit card offers for those with excellent credit.
- Capital One Venture Rewards Credit Card
If you want to obtain cash back and travel rewards, this card combines both to give you excellent reward opportunities. Some of the features of the card include:
- A sign-up bonus: upon card membership, you will receive a 40,000 miles bonus after you spend $3,000 within the first 3 months of card ownership.
- Foreign transaction fees are zero
- 2 miles for each dollar spent
- No blackout dates
- You are permitted to fly any airline
- Variable interest rate between 13.24%-23.24%
- Fraud coverage
- Travel protection
You can make travel reservations through Capital One, and there is no minimum amount that you can redeem. If you cannot pay for the entire trip, you can use some of your rewards to pay for a portion of it. For the first year, the card is free. After the first year, you will pay $59 each year. It is a simple and easy card to use. This is a good card for people who love to travel.
- BankAmericard Cash Rewards Credit Card
If you are a Bank of America customer, you need to consider this card. Even if you are not a customer of the bank, this is an excellent card for credit card rewards and offers numerous advantages. Some of the qualities of the card include:
- No annual fee
- 3% transaction fee
- Sign-up bonus: after you spend $500 on purchases within the first 3 months, you will receive $100 in online cash rewards.
- Get 1% cash back on all purchases. Get 2% cash back at grocery stores and wholesale clubs.
- Get up to 3% back in gas purchases
- Points do not expire
- For the first year, you will receive an introductory 0% APR
- 0% APR for balance transfers within the first 3 months.
- Interest rate is between 13.24%-23.24%
- If you redeem your cash into your Bank of America checking or savings account, you get a 10% customer bonus.
For this card, you need excellent credit. If you have at least a 680 credit score, this is a card you want to consider.
- Citi Double Cash Card
This is a good option if you want to transfer a credit card balance or if you want to earn cash back rewards. Some of the features of the card include:
- No annual fee
- 3% foreign transaction fee
- 1% cash back on purchases. When you pay off your purchases, you will receive an extra 1% cash back.
- You will receive 0% on balance transfers within the first 18 months
- Variable interest rate of between 13.24%-23.24%
- No reward limits
- As little as $25 will allow you to redeem
With this card, your first late payment fee will be waived, and you can choose the payment date that works best for you. Before applying for this card, you need to have a credit score of at least 690.
- Chase Sapphire Preferred Card
This is a great choice for travel rewards. It offers a huge bonus for signing, and you will earn extra points for travel and dining. Some of the attributes of the card include:
- Earning 50,000 bonus points after you spend $4000 in the first 3 months.
- Earn double points on dining and travel
- Pay nothing in foreign transaction fees
- No blackout dates
- Variable APR between 16.24%-23.24%
- If you add an authorized user within the first 3 months, you will obtain an extra 5,000 points.
You will pay nothing for the first year and then $95 after that. The card is unique in that it is not made of plastic; it is made of metal. The card offers flexible options on redeeming rewards. You will want to have at least a 690 credit score before applying for this card.
- Blue Cash Preferred Card from American Express
This card offers one of the best cash back rewards for grocery and gas purchases. It does carry an annual fee, but it is usually worth it with the rewards you will earn. Some of the credit card features of the card include:
- After spending $1,000 in purchases within the first 3 months, you will receive $150 back
- Statement credit cash back
- Earn 6% cashback at supermarkets, 3% at gas stations, and 1% on other purchases
- 0% APR for the first year
- 0% balance transfer for the first year
- APR is between 13.24%-23.24%
- 7% foreign transaction fee
The card carries an annual fee of $95, and you will need at least a 690 credit score to qualify. It is a great card for people with excellent credit. One thing you need to consider is that American Express cards are not accepted as highly as those of a VISA or MasterCard.
- Barclaycard Arrival Plus World Elite MasterCard
This is one of the best credit cards for high travel reward rates. You will receive a big bonus for signing up, and the redemption options are flexible. If you are looking for a card that offers a high rewards rate and you travel often, this is a good option. Some of the qualities of this card include:
- Double miles on all purchases
- No foreign transaction fees
- A 50,000 bonus after you spend $3,000 within the first 90 days
- Concierge service is complimentary
- 0% balance transfers for 12 months
- Variable APR between 16.24%-23.24%
You will pay nothing for the card for the first year and then $89 after that. You can book with any hotel or airline. There are no blackout dates, and rewards do not expire. You will need a credit score of at least a 690.
- Discover It Cashback Match
For new cardmembers, this card will match all the cash back you earn at the end of the first year. This card is excellent for cash back rewards. Some of the credit card features include:
- Rewards never expire
- Free FICO credit score
- No annual fee
- 0% on purchases and balance transfers for the first year
- Earn 1% rewards
- APR between 11.24%-23.24%
This is a simple card that will offer you excellent rewards and additional advantages for membership. Even though there is no sign-up bonus, the card will give you additional cash back at the end of the first year. You need a 690 credit score to sign up.
