Credit Cards
May 28, 2020

Best Credit Cards for Excellent Credit

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People with Excellent Credit can get their hands on the credit cards that have the best rewards. Whether it’s a crazy amount of bonus points or access to your favorite airport lounges, the perks for people with the highest credit are definitely the best. Here are the cards with the best perks.

If you like to travel a lot, a travel rewards card can help you earn miles on flights or discounts on your hotel rooms. Here are the best travel rewards credit cards we found:

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a good option for people who travel a lot or like to eat out. The card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months. That’s $750 toward travel when you redeem through the cards website. You get 2X points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases. One of the great benefits of the card is you get 1:1 point transfer to leading airline and hotel loyalty programs. You also get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. There are also no blackout dates or travel restrictions when you book through Chase Ultimate Rewards. The annual fee is $95, but there is no foreign transaction fee, which is great for travels. The Chase Sapphire Preferred Card was named a ‘Best Travel Credit Card’ by MONEY Magazine. Learn more about this card here.

Marriot Bonvoy Boundless Visa Signature Credit Card

The Marriot Bonvoy Bondless Visa Signature card is the best hotel-branded credit card we reviewed. The card offers 75,000 bonus points after you spend $3,000 on purchases in the first 3 months. You get 6X Bonvoy points on every $1 you spend at participating hotels. You also get 2X points on all other purchases. The card also offers 1 Free Night Award once a year. You also get automatic Silver Elite Status each year, as well as 15 Elite Night Credits each year. The annual fee is $95, but there is no foreign transaction fee. Learn more about this card here.

Southwest Airlines Rapid Rewards Premier Credit Card

The Southwest Airlines Rapid Rewards Premier card was the best airline partner card we reviewed. The card offers 40,000 points after you spend $1,000 on purchases in the first 3 months. You get 2X points on every $1 you spend on Southwest purchases and Rapid Rewards hotel and car rental partner purchases. You also get 1X points on all other purchases. The card offers 6,000 bonus points after your one-year card-member anniversary. There are also no blackout dates or seat restrictions. The annual fee is $99, but there is no foreign transaction fee. Learn more about this card here.

The Platinum Card from American Express

The Platinum Card from American Express offers the ultimate in rewards. The card offers 60,000 Membership Rewards points after you spend $5,000 on purchases in the first 3 months. You get 5X Membership Rewards points on on flights booked directly with airlines or with American Express Travel, as well as on eligible hotels booked on amextravel.com. American Express offers some stellar perks with this card, including Uber VIP status and free rides in the U.S. of up to $15 per month plus a $20 bonus in December, a $200 Airline Fee Credit, access to the Global Lounge Collection, and complimentary benefits from Fine Hotels & Resorts with an average total value of $550. Since the card offers so many rewards, the annual fee is $550, but there is no foreign transaction fee. Learn more about this card here.

Cash back cards can be a great way for those with Excellent credit optimize their spending. Here are the top cash back credit cards that we reviewed:

Wells Fargo Cash Wise Visa Credit Card

The Wells Fargo Cash Wise Visa Credit Card is great for people who use their phone to pay for purchases. The card offers a one-time $150 bonus after you spend $500 on purchases in the first 3 months. You get 1.5% cash back on every purchase you make. The card also offers 1.8% cash rewards on digital wallet purchases, like Apple Pay or Google Pay. You also get up to $600 of protection your cell phone if it is damaged or stole. (You must use your Well Fargo Cash Wise card to pay your cell phone bill, and this is subject to a $25 deductible.) There is no annual fee for this card. Learn more about this card here.

Blue Cash Preferred Card from American Express

The Blue Cash Preferred Card from American Express is great for people who do a lot of grocery shopping. It offers a $250 statement credit after you spend $1,000 on purchases in the first 3 months. You get 6% cash back shopping at U.S. supermarkets, for up to $6,000 a year. You also get 3% cash back at U.S. gas stations, and 1% cash back on all other purchases. The card is now offering 6% Cash Back on select U.S. streaming services as well as 3% Cash Back on taxis/rideshare, parking, tolls, trains, buses and more. The annual fee is $95. Learn more about this card here.

If you have really excellent credit and can afford the annual fee, a luxury credit card comes with some amazing benefits. Here is the top luxury credit card with the best value for your money:

MasterCard Black Card

The MasterCard Black Card is the best luxury card on the market. The card earns you 1 point for every dollar you spend. You get 2% for airfare redemptions, with no blackout dates or seat restrictions. You also get 1.5% on cash back redemptions. This card comes with a lot of great features. You have 24/7 Luxury Card Concierge service. You get Exclusive Luxury Card Travel benefits, including amenities, room upgrades, and complimentary food and beverages. In addition, you get cell phone protection, Lyft credits, Postmates discounts, Fandango extras, as well as other perks. For travel, you get up to a $100 annual airline credit, as well as a $100 Global Entry and TSA Pre-Check application fee credit. Since the card offers so many rewards, the annual fee is $495. Learn more about this card here.

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