Best Rated Credit Cards for People with Excellent Credit

By consistently making your monthly payments on time and taking a responsible approach to your personal finances, your credit score will steadily climb until you have excellent credit. Having a high credit score will open many doors and...

Creditcards.org Team

| December 17, 2018

By consistently making your monthly payments on time and taking a responsible approach to your personal finances, your credit score will steadily climb until you have excellent credit. Having a high credit score will open many doors and you’ll be eligible for the most enticing credit card offers, which can include lower interest rates, higher monthly limits, and great perks. Once you have an excellent credit score, getting approved for a credit card will not be an issue, and you’ll have your choice to select the card most suited to your needs. Here are 5 of the best credit cards for individuals with excellent credit, in no particular order:

1. Best Low APR Card: Citi Simplicity® Card

The Citi Simplicity® Card, from our partner Citi®, rewards people with excellent credit by eliminating all fees from their monthly statements. With this card, you’ll never have to suffer from late fees, penalty rates, and annual fees, even beyond the first year. One of the outstanding perks of using a Citi Simplicity® Card is the initial APR rate, which lasts far longer than those offered by many of its competitors. Moreover, gaining access to first-rate customer service is easier than ever, and you’ll be able to connect with a representative on the phone without waiting.

2. Best Air Miles Card: Capital One® Venture® Rewards Credit Card

For consumers who are into earning miles, you’ll need to check out the Capital One® Venture® Rewards Credit Card which includes double miles on all of your purchases, every single day of the year. With a huge early spend bonus that includes a tremendous amount of free miles, you’ll be able to take advantage of your rewards without delay. Best of all, your rewards never expire, and you’ll be able to spend them in a variety of ways. As an extra benefit, the Venture® Card has no annual fee during the first year.

3. Best Cash Back Rewards Card: Citi® Double Cash Card

No one likes to miss out on free money, right? And if you’re not earning cash back on everyday purchases you already make with a credit card, you are losing out! The Citi® Double Cash Card, is the perfect no fuss card. There are no rotating categories to keep track of, you just get 1% when you make a purchase and another 1% when you pay that purchase off. If the cash rewards weren’t enough, the Citi® Double Cash also offers a generous 0% intro APR rate on purchases and balance transfers. So, if you like simple, and think you should be rewarded for purchases you already make, this is the card for you.

If you don’t have excellent credit yet, view all of our cards for  average credit here >>

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