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March 2020: Best
excellent credit cards FROM
OUR PARTNERS
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 or balance transfers; cash back on purchases, cash sign-up bonuses, or yearly cash back incentives - you can have any of these benefits or you can have them all.
Special Offer for Excellent Credit
BEST CHOICE OF March 2020
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
More Credit Card Offers for Excellent Credit
Having excellent credit is like winning the jackpot: you can get access to all possible credit card perks. You can treat yourself to a credit card with a great promo offer like a 0% intro APR or a sign-up bonus, or you can enjoy special complimentary services like concierge services, travel assistant, lounge access, travel insurance, access to your credit score, and some other unique credit card benefits that come beyond cash back or travel miles.
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our choice
- The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee — either $5 or 3% of the amount of each transfer, whichever is greater.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- UNLIMITED BONUS: Discover will match ALL the Miles you’ve earned at the end of your first year, automatically. For example, if you earn 35,000 Miles, you get 70,000 Miles. That’s $700 towards travel! The more you earn, the more you get.
- Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
- No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
- Miles Pay You Back. Easily redeem Miles as a statement credit for travel purchases. Or get cash.
- Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
- Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
our choice
our choice
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
our choice
our choice
- 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness.
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® score online.
- With Citi EntertainmentSM, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- Choose your favorite team & show your pride - all 31 teams available.
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- No annual fee.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
our choice
our choice
- 0% Intro APR on Purchases for 12 months and Balance Transfers for 18 months; after that the variable APR will be 14.40% - 24.40%, based on your creditworthiness
- Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
- Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
- No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
- Earn Points on Every Purchase! It's simple: $1 = 1 Point
- No Annual Fee
- Select Your Rewards Your Way
- No Foreign Transaction Fee
our choice
our choice
- Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
- No Foreign Transaction Fees
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
our choice
our choice
- Patented black PVD metal card—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions.
- 1.5% value for cash back redemptions.
- 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat.
- Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
- Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
- Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
- Annual fee: $495 ($195 for each Authorized User).
- Earn one point for every one dollar spent.
- Terms and conditions apply.
our choice
our choice
- Patented brushed stainless steel front and carbon back—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions.
- 1% value for cash back redemptions.
- 24/7 Luxury Card Concierge®—Available by phone, email, and live mobile chat.
- Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
- Members-only LUXURY MAGAZINE®.
- Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
- Annual fee: $195 ($95 for each Authorized User).
- Earn one point for every one dollar spent.
- Terms and conditions apply.
our choice
our choice
- Patented 24K-gold-plated stainless steel front and carbon back—weighing 22 grams.
- 2% value for airfare redemptions with no blackout dates or seat restrictions.
- 2% value for cash back redemptions.
- 24/7 Luxury Card Concierge®-available by phone, email, and live mobile chat.
- Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
- Up to $200 annual airline credit and $100 Global Entry application fee credit.
- Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
- Annual fee: $995 ($295 for each Authorized User).
- Earn one point for every one dollar spent.
- Terms and conditions apply.
our choice
Citi Rewards+℠ Card
GREAT BONUS OFFER
of March 2020
- Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
HAVE DIFFERENT CREDIT HISTORY?
See offers for your credit:
questionsABOUT
CREDIT CARDS
What kind of credit score do I need to get the Academy Visa?
You don’t need excellent credit, but on the other hand don’t apply for it if you have bad credit either. Anytime you have a hard inquiry on your credit report your credit score takes a hit. If you have bad credit...
Read moreI have had a Bank of America rewards card for students for 2 years. Now my credit is better and I want to get a card with lower interest rate (or even 0% APR). Can you offer any rewards credit card for me?
If you want to transfer your balance to a new credit card, note that many credit cards offer 0% APR on purchases for cardholders. If you need this feature you'd better consider getting a regular credit card, that may...
Read moreI need dental work done and want a card with 21 months of 0% interest and credit line of $5,000. What is my best option? How long does it take to apply for and receive a card? What would the monthly payment be? Is a credit card option better than financing?
You can consider applying for the Citi Simplicity® Card - No Late Fees Ever (Citi is a Credit-Land.com advertising partner). The card offers 12 months of 0%...
Read more
Lots of Choices for People with
Excellent Credit
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 a credit score, you can get approved for any credit card on most generous terms. It's in your power to choose the card that meets your specific needs best. However, note that your perfect score does not guarantee that you'll be approved for any credit card you wish even if you qualify. There are too many factors and nuisances, plus banks have their own criteria and requirements too. 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, miles or cash back on every dollar you spend, and these rewards can be converted into cash, traded in for gift cards, airline tickets, hotel stays, 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 for people with excellent credit offer perks like concierge service that will help you shop for gifts, find priority seating at events, and even help plan your wedding. Some of the other services that come with these cards include: 24-hour travel and roadside assistance, 0% fraud liability, and price 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. All your credit cards will still report your credit activity to all three major credit bureaus monthly and if you miss a single payment, your credit score can drop. And since you have excellent credit, any negative mark on your report, even the minor one, can result in a significant credit score drop. So, make sure you continue managing all your active credit accounts with all your creditors responsibly and no matter what.
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EXCELLENT CREDIT CARDS
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