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3.8/5.0 from 1,250 Cardholder Reviews Over the Past 60 Days!
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Earn 1% on Purchases & 1% on Payments*
0% APR for 15 Months on Purchases & Balance Transfers*
0% for purchases for 12 billing cycles
Earn 1.5 points per $1
14.99% - 22.99% Variable on purchases & balance transfers
0% until August 2016*
Earn 1.25 miles per $1 on all Purchases*
11.9% - 21.9% (Variable)
0% for qualifying balance transfers for 18 billing cycles*
3% fee or $10 applies to each transfer*
10.99% - 20.99% Variable
40,000 miles with minimum spending requirement*
2 miles per dollar*
12.9% - 22.9% (Variable)
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Those who have exceptionally good credit may want to apply for the best credit cards that especially cater to people with above average credit scores and stellar credit histories. Credit card companies will usually offer special perks, features, interest rates, and other preferential service to those who qualify for top credit cards.
By federal law you are allowed to access your credit reporting files free of charge once a year. For a small fee you can see them more than once per year and can also gain access to your FICO score – which is commonly referred to as your credit score. Credit scores for excellent credit range from 700 to 850 and are determined by using a proprietary algorithm which factors in several components of credit worthiness. If your score is above 700 that’s quite good and for most issuers is considered excellent.
To maintain your high rating follow the tips on how to preserve your credit. If you need help to improve your credit score to qualify for an excellent credit credit card, then take advantage of the many free, user-friendly financial management resources, articles, and tools that we offer. Once you have earned excellent credit you have a wide range of reward card options as well as promotional 0 percent introductory APRs which come with very attractive ongoing interest rates – typically around 12%.
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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.