Having excellent credit often ensures that you will receive the best interest rates on mortgage loans, auto loans, credit cards and more. The results of your credit score can even potentially affect the insurance premiums you pay on your vehicles, home and other items. If you are being considered for a new job, your potential employer may even check your credit as part of a background check. It’s pretty clear that having excellent credit certainly has its advantages and can save you hundreds to tens of thousands of dollars over the life of a loan and more. To help you in your search for excellent credit credit cards, we have compiled a short list of the best and most popular excellent credit card offers available. None of these credit cards have an annual fee.
Cash Back
- Chase Freedom Card – Earn a 3% cash back reward on your top three out of fifteen spending categories each month. Chase automatically figures your top three categories for you so you earn the maximum rebate each month. All your other purchases earn a 1% cash back rebate. Save your rebate for a $200 balance and earn an additional $50 rebate for a combined $250 cash back rebate. Convert your cash back to earn points if you prefer to receive other rewards.
- Discover® More Card – Receive 5% cash back on Discover’s Get More reward categories like travel, home, gas, restaurants, movies and more. Categories change four times a year. All other purchases earn 1% cash back automatically. Get 0% APR on purchases for six months and balance transfers for twelve months. Double your cash back reward when you redeem for gift certificates through bonus partners.
Airline Miles
- Bank of America® WorldPoints™ Platinum Plus® Visa® Card – Earn one point for every $1 you spend. Redeem points for airline travel with no blackout dates, cash and more. Transfer you balances for 0% APR for 12 months. Manage your reward points and account online. Plus, enjoy 100% fraud protection.
- Capital One® No Hassle Miles Rewards – This credit card from Capital One lets you earn miles 25% faster than other credit cards. Earn 1.25 miles for every $1 you spend on purchases made anywhere. There is no limit to amount of miles you can earn and your miles never expire. Travel with no blackout dates too.
Balance Transfer
- Citi® Diamond Preferred® Card – Get 0% APR on balance transfers and purchases for up to twelve months. Balance transfers are subject to a fee of 3% with a $5 minimum. Citi also features several other benefits like identity theft protection, $0 fraud liability, a low APR and more with this card.
- Blue from American Express® – Transfer higher rate balances and receive 4.99% for the life of the balance. A balance transfer fee of 3% applies with a $5 minimum and a $99 maximum. Any new purchases you make will receive 0% APR for up 15 months after opening your account. Be enrolled on the Membership Rewards Express program and redeem purchase points for travel, shopping and more.
Low or Fixed Rate
- Platinum Edition® Fixed Rate Visa® Card – This fixed rate credit card from First National Bank of Omaha offers a low fixed rate of 7.99%. Get the peace of mind you want with an APR that never changes. View online statements for up to seven years and never worry with paperless statements. The card also provides protection against identity theft.
- Citi® Platinum Select® – This low rate credit card offers rates as low as 7.24% (as of publication date). In addition to the low interest rate, you receive 0% APR on purchases and balance transfers for up to twelve months. Apply online and get an instant response. Manage your account online and never pay anything on unauthorized purchases.
To access more information and/or apply for the any of the above excellent credit credit card offers; click the appropriate card link above.
