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Wells Fargo Platinum card

 

Rated 4/5 stars by our editorial team

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3.8/5.0 from 1,527 Offer Ratings
Over the Past 60 Days!

(1,527) Over the Past 60 Days!
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  • Introductory APR 0% for 18 months on purchases and qualifying balance transfers
  • Low Fees $0
  • Ongoing APR 15.49%-24.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • Pay down balances instead of interest with Wells Fargo's longest intro APR
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • See Rates & Fees

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Chase Sapphire Preferred® Card

 

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3.9/5.0 from 224 Offer Ratings
Over the Past 60 Days!

(224) Over the Past 60 Days!
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  • Bonus Rewards 60,000 bonus points
  • Rewards Rate 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
  • Bonus Perks Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Annual Fee $95
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.

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Discover it® Cash Back

 

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3.7/5.0 from 316 Offer Ratings
Over the Past 60 Days!

(316) Over the Past 60 Days!
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  • Cashback Match™ Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • Rewards 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. *
  • Redeem Any amount, any time. Cash back rewards never expire*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • 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.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

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Wells Fargo Propel American Express® card

 

Rated 5/5 stars by our editorial team

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4.9/5.0 from 378 Offer Ratings
Over the Past 60 Days!

(378) Over the Past 60 Days!
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  • Rewards Rate Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
  • Introductory APR 0% for 12 months on purchases and qualifying balance transfers
  • Ongoing APR 13.99%-25.99% (Variable)
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • See Rates & Fees

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Discover it® Miles

 

Rated 4.5/5 stars by our editorial team

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3.9/5.0 from 519 Offer Ratings
Over the Past 60 Days!

(519) Over the Past 60 Days!
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  • Bonus Miles Discover will match all the Miles you've earned at the end of your first year.*
  • Rewards Rate 1.5 Miles per $1 Spent*
  • Redeeming is Easy Redeem your Miles as a statement credit towards travel purchases*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • 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.
  • See Rates & Fees

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Chase Sapphire Reserve®

 

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4.5/5.0 from 24 Offer Ratings
Over the Past 60 Days!

(24) Over the Past 60 Days!
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on Chase's secure site

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  • Sign Up Bonus Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Rewards Rate 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
  • Extra Perks One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
  • Annual Fee $550
  • Credit Needed Excellent
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

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Blue Cash Preferred® Card from American Express

 

Rated 3.8/5 stars by our editorial team

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3.1/5.0 from 48 Offer Ratings
Over the Past 60 Days!

(48) Over the Past 60 Days!
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Rates & Fees

Terms Apply

  • Welcome Offer $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.*
  • Bonus Rewards 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions and 1% Cash Back on other purchases.
  • Rewards Rates 1% back on other purchases*
  • Annual Fee $95
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Low intro APR: 0% for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

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Discover it® chrome

 

Rated 4/5 stars by our editorial team

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3.8/5.0 from 84 Offer Ratings
Over the Past 60 Days!

(84) Over the Past 60 Days!
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  • Intro APR 0% for 14 Months on purchases and balance transfers*
  • Rewards Rate Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Ongoing APR 11.99% - 22.99% Variable*
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Discover

Highlights

  • 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 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 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.
  • See Rates & Fees

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The Platinum Card® from American Express

 

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3.8/5.0 from 30 Offer Ratings
Over the Past 60 Days!

(30) Over the Past 60 Days!
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on American Express's secure site

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Rates & Fees

Terms Apply

  • Welcome Offer 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.*
  • Airline Perks Up to $200 per calendar year in baggage fees & more at one qualifying airline*
  • Travel Perks No foreign transaction fees & exclusive airport lounge access*
  • Annual Fee $550
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online or call 866-901-8258
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees

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American Express® Gold Card

 

Rated 3.5/5 stars by our editorial team

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3.0/5.0 from 13 Offer Ratings
Over the Past 60 Days!

(13) Over the Past 60 Days!
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Terms Apply

  • Welcome Offer 35,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.*
  • Rewards Rate Earn 4X points at restaurants worldwide and U.S. supermarkets on up to $25,000 per year in purchases, then 1X*
  • New Airline Fee Credit Up to $100 per year for incidentals*
  • Annual Fee $250
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

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Delta SkyMiles® Gold American Express Card

 

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4.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!
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Terms Apply

  • Limited Time Offer Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Rewards Earn 2X Miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets and 1X Mile on all other eligible purchases.
  • Additional Perks Check your 1st bag free on every Delta flight*
  • Annual Fee $0 introductory annual fee for the first year, then $99.
  • Credit Needed Excellent/Good
  • Card Brand American Express

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • NEW! Get ready for your next trip - spend $10,000 in purchases on your Card in a calendar year and receive a $100 Delta Flight Credit to get you there sooner.
  • Earn 2X Miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.
  • Earn 1X Mile on all other eligible purchases.
  • Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Enjoy a $0 introductory annual fee for the first year, then $99.
  • Terms Apply.
  • See Rates & Fees

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Picture of Bill Zoda

By: | Jun 26, 2018

AMEX Blue Cash Preferred ....Beats them All !!!

2 Replies

By: Glenn R Gearhart | Jul 2, 2018

Love this card.. Pay it off every month

By: Joel Wurzler | Jul 26, 2018

I 100% totaly agree on this!

Picture of Michael Anthony McGibbon

By: | Jun 5, 2018

I have 2 Bank America cards. What else can I say. I love their on line banking and the folks there are just awesome.

1 Reply

By: Hyacinth Jordan | Jul 26, 2018

Totally agree. I also have two cards as well. Indeed they are awesome.,,,,

Picture of Tom Ward

By: | May 8, 2018

I have the 2 perent CITI card and put everything on it. Get an easy thousand back every year. Not interested in miles or anything else.

Picture of Atul Garg

By: | Apr 13, 2018

Oh!, I did not know that I was enjoying the best card. Thank you for brightening my day.

Picture of Marla Cox

By: | Apr 2, 2018

I use my Citi Double cash back for everything. Pay payments through their app. 2 to 3 times monthly. Always roll the rewards back toward my balance. Keep it paid off and Love Love my card. I highly recommend this great card.

Picture of John Kahrs

By: | Feb 20, 2018

I have the Capital One Venture card. 2x miles pays an average equal to 2% cash back to pay travel related expenses. If you are a traveler, this is the one to use to pay your expenses while using your hotel membership numbers to register the stays. Best of both worlds! Or you can just save up the miles to pay for your next vacation. 2x miles on every purchase without a limit!

Picture of Alex DeBruyner

By: | Jan 29, 2018

I have Citi Thank you preferred Card, Citi Diamond Card, Citi Double cash card, Chase Freedom , Chase Amazon, Capital one Quickcash, Capital Sony card, TD cash card, HSBC Advantage card, Santander Sphere card, Amex Blue Every day Cash, Amex Business Gold Card, Black Card, BofA visa card, without mentioning Macy's card Bloomingdales Amex card, you name it almost 40 credit cards

4 Replies

By: Birgit Leblanc | Feb 28, 2018

Well, good for you... Must be one funny look from the back though, if you carry them all in your wallet. ;)

By: Kim Winston | Mar 1, 2018

Alright this is great thanks much

By: Caldwell Alana | Mar 3, 2018

LOL, Alex, I only have 10 cards to your 40, anyway you must have amazing credit for all the banks to continue issuing you cards!

By: Susan Koecher | Apr 3, 2018

Glad to see I'm not the only one who takes advantage of CC offers. Although I don't think I have quite that many yet.

Picture of Maxine Sholder LoDuca

By: | Jan 16, 2018

Good info thank you for this post.

Picture of Phil Santosa

By: | Jan 13, 2018

These are what I use regularly: - AmEx BlueCash for general Groceries (3% cashback) - Sam's Club Mastercard for Gas (5%), Dining (3%), Travel (3%) - Citi CostCo Mastercard for Costco (3% with Exec Membership), Dining (3%), Travel (3%) - Amazon Store Card (5%) - Lowe's Store Card (5%) - Target Red Card (5%) - Citi DoubleCash for anything else (2% for everything) Rolling Schedule Cashback - Discover It (5% for whatever is in schedule) - Chase Freedom (5% for whatever is in schedule)

1 Reply

By: Danny Briggs | Feb 22, 2018

Thanks Phil for the breakdown.

Picture of Larry Dunbar

By: | Jan 4, 2018

As a Discover it card holder, I must say this is one of the best cards I have ever had. They make it so easy to maintain outstanding credit with them. If you were ever to get a credit card, Discover it is definitely the one to obtain.

3 Replies

By: R Kenneth ONeal | Feb 8, 2018

Discover is pretty easy to get and have some of the better credit limits out there to start.

By: Ken Davis | Feb 26, 2018

I do agree with you.

By: Edna Jackson | Apr 10, 2018

which discover do you have?

Page:

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Best Credit Card for Excellent Credit Holders

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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