Credit Card Offers: Excellent-Credit Credit Cards

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Credit Card Offers: Cards for People with Excellent Credit

This week we’re taking a look at card offers for those with excellent credit. The better your credit is, the more likely it is that you are going to be able to qualify for cards that offer you terrific perks, rewards, terms and conditions. Your excellent credit tells the credit card companies that they can count on you to make on-time payments and to use your credit wisely–so they tend to offer you the best credit card deals available.

The purpose of this weekly Saturday series is to highlight the best credit cards in different categories so that you can find the card that has the features that are right for you. If these excellent-credit credit cards aren’t right for you, then you might want to check out some of the other posts in our series, which include the top free rewards offers, the best cash back credit cards, and the best low interest credit cards.

Chase Freedom

Chase Freedom Credit CardChase Freedom is rewards credit card that lets you use your excellent credit to earn unlimited cash back. This credit card gives you 1% cash back on all general purchases. It also gives you 5% cash back in rotating categories which change every quarter. And you can earn up to 20% cash back when using the credit card to purchase items through the Chase online shopping tool. Cash back can be redeemed in the form of a check or a statement rebate, and you can start cashing in when you’ve earned as little as $20. The Chase Freedom credit card offers a 0% intro APR on balance transfers for 12 months and 0% intro APR on purchases for 6 months. This credit card comes with the Chase Blueprint program, which allows you to choose flexible repayment plans for various purchases made on the card. There is no annual fee for this credit card.

Chase Sapphire Preferred

Chase Sapphire Preferred Credit CardChase Sapphire Preferred is a points-based rewards card that allows you to earn rewards for everyday purchases. More than that, though, you actually earn rewards on your rewards. With this card, you get an annual 7% points dividend based on the total number of points that you earned for the year (including points you’ve already redeemed). This means that you get additional points just for earning points. And the points themselves add up quickly to nice rewards that include unrestricted airline travel, hotel stays, transfers to your frequent flyer programs, or even statement credits. Earn double points on airfare when booking through the Chase travel booking tool. People with excellent credit who qualify for the Chase Sapphire Preferred card are able to earn 25,000 bonus points for spending $3,000 in the first three months; that’s enough to earn a free airline flight! This card comes with Chase Blueprint so you can have flexible repayment options for your purchases. There is an annual fee of $85, but it’s waived for the first year.

Discover More

Discover MoreDiscover More is a cash back bonus rewards card that gives you up to 5% cash back on various spending categories. You can also get anywhere from 5% to 20% cash back when you use this credit card to shop online through the Discover online shopping mall. You can earn 1% cash back on all other purchases. In addition to being a good cash back rewards card, this is a good card for people who want one of the best balance transfer credit cards from Discover. It has a 0% Intro APR for 15 months on balance transfers. The 0% intro APR is also good on purchases for 6 months. This credit card offers various protections including total fraud protection. There is no annual fee for this card.

Other top choices for excellent-credit credit cards:

  • Slate from Chase. This no-annual-fee credit card doesn’t offer a rewards program, but it does offer 0% intro APR on both purchases and balance transfers for 12 months.
  • Chase Sapphire. This no-annual-fee credit card earns you one point for every dollar and double points on airfare purchases–plus you get 10,000 bonus points for your first purchase made on the card.
  • Iberiabank Visa Classic. This no-annual-fee card offers a low 1.99% intro APR for 6 months on any balance transfers made within the first three months and then offers a low ongoing interest rate starting at 7.25% for people with excellent credit.
  • Iberiabank Visa Gold. This cash back credit card gives you 1% cash back on all purchases with no expiration dates, earning limits, or annual fee and offers the same low 1.99% intro APR for 6 months on balance transfers made within the first three months.
  • Iberiabank Visa Platinum. Earn one point for every dollar spent with this no-annual-fee credit card that offers a low ongoing interest rate and additional perks and protections.
  • Iberiabank Visa Select. This credit card gives you an ongoing low interest rate of 7.5% on purchases and no-fee balance transfers, a rate that is a guaranteed fixed rate for 12 months. APR for cash advances is a low 12.75%; this is one of the lowest ongoing cash advance APRs in the market.
  • Simmons Bank Platinum Visa. This no-annual-fee credit card has an ongoing low interest rate of 7.25% on purchases and no-fee balance transfers which is one of the lowest market interest rates excluding introductory rates.
  • Simmons First Visa Platinum Travel Rewards. This travel rewards credit card earns you one point for every dollar spent which can be redeemed for travel with no blackout dates or restrictions. It also has a low ongoing interest rate of 9.25% for purchases and no-fee balance transfers.

Note: Offers change frequently; please be sure to check the offer website to ensure that all details and information are correct.

Published on May 29th, 2010 - 2 Comments
Filed under: Credit Cards, Reviews
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About the author: Nickel is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!

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2 Responses to “Credit Card Offers: Excellent-Credit Credit Cards”

  1. 1
    James Says:
    June 1st, 2010 at 6:33 pm

    its nice to see someone finally focus on card members with high credit and excellent payment history.

    more times than not people focus on individuals who have poor credit and are looking for a way to get a line of credit.

  2. 2
    AL Says:
    June 7th, 2010 at 8:50 pm

    So many cards have cash back offers these days that it’s hard to keep track. Just make sure that you select the right card for you. Take a close look at your spending habits.

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