What is excellent credit? It's when your spotless credit history has made you eligible for the very best credit card deals out there. You can qualify for 0% APR on purchases and balance transfers; cash back on purchases, cash sign-on bonuses, yearly cash back incentives - you can have it all.
Before you find out what benefits and perks you can get when your credit is perfect, let's clarify what is considered excellent credit. According to the FICO credit score range, excellent credit falls in the range between 750 and 850. With such credit score, you can get approved for any credit card on most generous terms. It's in your power to choose the card that best meets your specific needs.
Since you have all the best offers available, you do not have to think how to get approved for a credit card with a high limit. You already got it with your excellent credit. Also, most banks will let you earn points on every dollar you spend, and these points can be converted into cash, traded in for gift cards, or used on a shopping spree. Use this "free money" to get discounts on whatever you want to buy, and wherever you want to buy it.
Many credit cards offer perks like a concierge service that will help you shop for gifts, find priority seating at events, and even help plan your wedding. Some of other services that come with these cards include: 24-hour travel and roadside assistance, auto rental insurance, and free extended warranty protection on items purchased with your credit card.
Keep in mind that while having excellent credit gives you many rewards and perks, you must maintain your stellar money management habits, make wise financial decisions, and most importantly, never miss a payment, if you want to hold on to your excellent credit rating.