For people with excellent credit, it is often difficult to find an exclusive credit card that rewards them something additional than most credit cards. With the arrival of Simmons First credit cards here at PlasticRewards.com, people with excellent credit don’t need to look any further. Simmons First offers two Visa credit cards for those with excellent credit.

Simmons First Visa® Platinum

This Platinum Visa from Simmons First features a low APR of 7.25% currently on purchases and balance transfers. If you do need to transfer a balance, there is an benefit that is hard to come by these days - no balance transfer fees. All balances must be transferred at the time of card application. Plus, there is no annual fee and with the Simmons First Visa Platinum you can enjoy platinum benefits like: global acceptance, travel insurance, emergency replacement and more.

Simmons First Visa® Platinum Rewards

This card was recently chosen as Money Magazine’s top travel rewards credit card. The Simmons First Visa Platinum Rewards offers one of the most versatile travel rewards program that allows cardholders to choose from airline tickets, hotels, cruises vacation packages and more. Every dollar you spend on purchase earns one point redeemable for travel rewards. The card also features a low APR, no balance transfer fees and platinum benefits; all with no annual fee.

Having excellent credit definitely has its rewards and the Simmons First Visa credit cards can help you get them.

In a credit environment where lenders and banks seem to be cutting back at every possible opportunity, Discover Card introduces a new credit card to enhance the companies card offerings. The new Escape by Discover credit card lets cardholders earn airline miles on every purchase they make.

For starters, you can earn double airline miles on every purchase and you’ll get 1,000 bonus miles each month you use the card for the first 25 months. Redeem miles for unrestricted airline travel, other travel credits, gift cards or cash. Receive $100 in travel credits for every 10,000 miles, gift cards at over 90 partners starting at just 1,000 miles or receive $25 in cash for every 5,000 miles.

With excellent credit, you can transfer higher rate balances to the new Discover Escape credit card and receive 0% APR for twelve months. Depending on your credit history, applicants can also receive an introductory APR of 0% for six months on purchases and determine your regular APR. Plus, get enhanced travel benefits like car rental insurance, trip cancellation insurance and more all for an annual fee of $60.

Use the links above to apply online or to read the full terms and conditions.

Remember when milk was less than a dollar per gallon? Remember when a gallon of gas was just barely over a dollar per gallon? Remember when everything was less expensive? This time has long since passed. But, did you know that Starwood Hotels now offers rates based on your birth year?

Starwood Hotels and Resorts is celebrating your birthday. Any Starwood Hotel and Resort guest can pay a special rate that is equal to their birth year. You stay has to be a minimum of two nights and a maximum of three nights. You have until December 30 to take advantage of these incredible rates.

Here’s how it works. You’ll pay the regular rate the first night (rates vary at participating Westin, Four Points by Sheraton, Sheraton and element hotels) and the special birth year rate the second and/or third night. If you were born in 1940, you’ll $40 for the second and/or third night of your stay.

If you want to stay at the luxurious Equinox Golf Resort and Spa, you’ll be able to take advantage of a similar promotion. If you were born in 1942, you’ll pay $142 for your second and/or third night. If you were born in 1964, you’ll pay $164 for your second and/or third night.

This is the perfect way to get away before Christmas. If you want to getaway to Boston, Manchester, Lexington, Providence, Stamford, Hartford, Burlington or the Canadian destinations of Montreal, Ottawa, Toronto, Quebec City, Halifax, Hamilton and Collingwood.

Call 1-866-716-8119 to book your weekend or weekday getaway. These exclusive rates are per night and per room and are based on single or double occupancy only. Some hotels offer limited dates throughout November. Other hotels offer the promotion on certain days of the week - Thursday through Sunday arrivals. You can also go online to book your stay www.starwoodhotels.com/payyourage.

American Express has the highest customer satisfaction ratings of any credit card company (JD Power 2008). Customers are pleased with the customer service that American Express offers. They are also satisfied with the exclusive membership benefits and great deals they get with their American Express card. In addition to other benefits, American Express offers fantastic deals through its partnership with Delta. Check out the American Express Platinum Delta card and the American Express Gold Delta card.

American Express Platinum Delta SkyMiles

You can earn 15,000 Bonus SkyMiles when you make your first purchase using your American Express Platinum Delta SkyMiles card. With 5,000 of these miles actually counting as Medallion Qualification Miles. You also can earn 10,000 bonus Medallion Qualification Miles every year when you spend $25,000. When you spend $50,000, you can earn an additional 10,000 Medallion Qualification Miles.

Every year you renew your card, you’ll receive a complementary companion certificate. This means you have a better chance of flying for free and taking someone with you. With the American Express Platinum Delta card, you always earn two fly miles for every dollar you spend on eligible purchases. You’ll earn one Delta mile for every dollar you spend on all other purchases.

You can also take advantage of the Pay with Miles program. This is an exclusive program, available only to American Express card members. It allows you to redeem your SkyMiles for any Delta flight, any time. You’ll also save five percent on Delta flights when you use your American Express Platinum Delta credit card.

The American Express Delta Platinum card also has a low annual fee. You can add the Emergency Card Replacement and Identity Theft Assistance. With this program you can easily manage your card online and you have access to over 500,000 ATMs around the world.

American Express Gold Delta SkyMiles

The first time you use your American Express Gold Delta SkyMiles card, you will get 20,000 bonus miles. You can also get an additional 5,000 bonus miles when you add two additional cards to your account. There is no annual fee the first year, which makes it even easier to enjoy the benefits of being a Delta SkyMiles customer.

You’ll earn two SkyMiles for every dollar you spend on eligible purchases and one SkyMile for all other purchases. As long as your account stays open, your miles never expire. That means you can earn miles now and use them ten years from now. It is so easy to sign up for the American Express Delta Gold card. You can be approved in 60 seconds or less.

The American Express Delta Gold card also comes with the Global Assist Hotline and the Emergency Card Replacement program. You can access your account online 24 hours a day, 7 days a week. At the end of the year, you’ll also receive an Online Year-End Summary which automatically organizes your previous charges into easy to read categories. The American Express Delta Gold card is the perfect personal credit card for the everyday consumer.

Pre-approved credit cards allow you to get a credit card quickly and with a guaranteed approval. The best pre-approved credit card offers are often found online. Online credit card affiliate companies are able to use the information on your credit report to find offers that find your individual needs. These companies search thousands of credit card offers to get you the best rate, features, limit, etc.

What are pre-approved credit cards?

Credit card companies take the information on your credit history to evaluate risk. If you have bad credit or a bankruptcy, you probably won’t be approved for a high limit. However, you can still be approved for a credit card. Credit cards are an excellent way to rebuild your credit.

Credit card companies take many things into consideration before offering you a pre-approved credit card. These include, but are not limited to:

• Your debt to income ratio

• The current balance of existing credit cards

• Similar credit cards that you already use

• Certain requirements for credit card approval

• Your past credit history

• The possibility of you reacting to the pre-approved credit card offer

How does the pre-approval process work?

Often times, credit card companies ask the credit bureaus for a list of customers who met certain qualifications. You might also see an inquiry on your credit report marked as “promotional.” This means that your report was checked against a “pre-approval” list. This type of inquiry does not affect your FICO score and cannot be seen by other creditors.

If you decide to apply for the pre-approved credit card, your application is sent to a processing center. Here, your current credit report is checked to make sure that nothing new and alarming shows up. It is this credit check that is used to determine whether or not you have been approved. All it takes is a few minor changes in your current credit card balance, income information, etc.

Pre-approved credit cards take the hassle out of shopping for a credit card, especially when you use offers online. You can be sure to get the best interest rate, credit card features, rewards programs, etc.You can also choose to opt out of pre-approved credit card offer by visiting www.optoutprescreen.com and filling out the appropriate information.