Credit Cards For Excellent Credit
Credit cards for the best credit scores typically offer the lowest APRs, lowest fees, best rewards and most competitive introductory offers. Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.
If you have an excellent credit rating between 720 and 850** and a comfortable income, you may be eligible for the perks from one of the many platinum or gold credit cards available — but you probably already know that. If you’re among the top credit managers, you might be receiving offers in your mailbox every day. Most likely, you didn’t get to be where you are by having a lot of free time, so you may not even bother to look at them.
Here are a few reasons you might want to change your mind.
Why You Should Consider Credit Cards for the Best Credit Scores
If you routinely toss new card offers, you may be missing out on some excellent credit card benefits. Credit card issuers are in fierce competition for consumers with excellent credit and must offer very attractive, benefits, rewards and enticements as part of their strategy in order to remain competitive. With these credit cards, low interest rates and no annual fees are just the beginning.
Many prime credit cards offer benefits such as these:
- Cash Back
- Reward Points
- Air miles
- Insurance Coverages
You deserve to be reaping all the rewards to which your great credit rating entitles you. While it’s true that it would take a lot of time and effort to sort through all those offers you’re getting, there is a better alternative. At CreditSoup, our experts make it their business to know the interest rates, card benefits and rewards offered by the different issuers. We can help you locate the excellent credit card for which you are looking by comparing features and benefits from multiple issuers in one place.
If you have not applied for a new credit card in a few years, you might be surprised by what’s out there. We routinely feature cards that help you manage your debt and pay it off faster or help you to earn rewards on your everyday spending.
How to Choose the Best Credit Cards for Excellent Credit
There are so many factors that affect the kinds of offers you’ll get that you may need to research several options before making the right choice. Since lenders are battling for your business, they change their terms regularly to keep up with the competition.
Look for offers that feature:
- Low introductory rates
- Minimal fees on balance transfers
- Low, fixed rates after the introductory period
- Rewards such as cash back on purchases
- Signup bonuses
With excellent credit, you probably use credit cards mostly to take advantage of those benefits. Make sure you understand what you have to do to get the rewards, because that could affect the option you choose. You might be tempted to reject any card that charges an annual fee, but it may be better to compare them to the benefits you get in return. Some cards charge an annual fee in exchange for some amazing rewards. In fact, at least a few offers the require the highest credit scores and to qualify and offer the largest signup bonuses charge an annual fee. But, it’s certainly worth seeing what you get for your money before deciding.
If you do not find the card with the perfect benefits for you, check back regularly. There’s no need to worry when you can always count on CreditSoup to show you the best credit cards for excellent credit right here. If you are unsure if you have excellent credit you can get your free credit score here.
*See online credit card application for details on the terms and conditions.
**Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.