Credit Cards for Excellent Credit
Consumers with excellent credit never have a hard time finding a new credit card. However, you may run into one problem: comparing hundreds of offers with the idea of choosing the right one. You’ll come to realize that credit cards for excellent credit feature top of the line benefits, low interest rates, reward programs, and much more. You’re in good position to secure the perfect credit card, but don’t make a decision until you compare several offers. Some of the best credit cards for excellent credit are detailed below.
APPLY NOW Excellent Credit
Credit One Bank® Visa® Cash Back Rewards
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Annual Fee$0 - $99
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Credit Needed Good Credit20.24%-26.24% Variable
Credit Brand VisaExcellent Credit
Deserve® Pro
3% cash back on travel & entertainment
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Annual Fee0.00
See Details
Credit Needed Excellent Credit17.99% to 24.99% variable APR
Credit Brand MastercardExcellent Credit
Credit One Bank® Visa® Credit Card
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Annual Fee$0 - $99
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Credit Needed Good Credit20.24%-26.24% Variable
Credit Brand VisaExcellent Credit
Credit One Bank® Platinum Visa® with Cash Back Rewards
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Annual Fee$0 - $99
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Credit Needed Good Credit20.24%-26.24% Variable
Credit Brand VisaExcellent Credit
Credit One Bank® NASCAR® Visa® Credit Card
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Annual Fee$0 - $99
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Credit Needed Good Credit20.24%-26.24% Variable
Credit Brand VisaExcellent Credit
Credit One Bank® Cash Back Rewards Credit Card
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Annual Fee$0 - $99
1%
Credit Needed Excellent Credit20.24%-26.24% Variable
Credit Brand VisaExcellent Credit
Net First Platinum
Instant Approval / $500 Credit Line!
0%
Annual Fee0.00
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Credit Needed Limited Credit0.0%
Credit Brand Other
5 Reasons Why You Want an Excellent Credit Score
It goes without saying that most consumers are interested in obtaining an excellent credit score. While this is a good goal to have, do you know why an excellent credit score is such a big deal? Generally speaking, an excellent or exceptional credit score is anything between 800 and 850. It’s not easy to achieve, but once you do you can take advantage of benefits such as:
1. Lower Credit Card Interest Rate
There are many credit card offers to choose from, but that doesn’t mean you’ll qualify for each and every one. With an excellent credit score, not only do you gain access to more credit cards but your interest rate will also be on the low end of the scale.
2. Increased Borrowing Capacity
Are you interested in a higher credit limit? Do you require a large loan, such as to purchase a motor vehicle? An excellent credit score results in increased borrowing capacity, thus making it easier to reach many of your personal and financial goals.
3. Lower Rate When Buying a Home
Buying a home is one of the biggest decisions you will ever make. Even if you find your dream home, you’re not ready to close on the deal until you have a mortgage loan in place. Depending on the size of your loan, it’s not out of the question to spend thousands of dollars per year on interest. This is why it’s important to secure the lowest rate possible. Even one percentage point can save you tens of thousands of dollars over the course of your loan.
4. No Security Deposit Requirement
Have you ever been asked for a security deposit when activating utilities or signing up for a cell phone plan? This is typically the result of a poor credit score. With an excellent score, you never have to worry about this again. Instead, you’re seen as a more trusted and reliable consumer, thus saving you the hassle of having to make a security deposit.
5. More Affordable Car Insurance
Let’s face it: keeping your car insurance premium affordable is easier said than done. All it takes is one claim or ticket to experience a rate hike. Fortunately, there are ways to save, such as by maintaining a good or excellent credit score. Insurance companies believe that drivers with bad credit are more likely to file a claim, so they penalize them with a higher premium. You don’t want to fall into this category.
Conclusion
While these are five of the better reasons to want an excellent credit score, you’ll come to find many other benefits entering your life as a result. If you have room to improve your credit score, don’t hesitate to take action. As your score increases, your life will improve in many ways.
General Disclaimer
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Editorial Note
Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).