Do you have excellent credit? If so, it might be time to start upgrading to an even more rewarding credit card. Since the 2008 financial crisis, banks have been very careful about acquiring customers with uncertain credit. They have also put a focus on rewarding customers with good and excellent credit.
There are tons of credit cards out there, and it might seem overwhelming, causing you to feel content with your current credit card. It’s easy to get comfortable using the same card for years. However, you are ignoring all of the special rewards that got you excellent credit in the first place.
If you have excellent credit, you can start saving more money by taking a look at the cards below. These are the top 8 credit card deals you can take advantage of right now:
BankAmericard Travel Rewards® Credit Card
To get started, this card comes with a 20,000-point sign up bonus when you spend $1,000 in the first 90 days. That’s a $200 statement credit towards travel purchases, and it’s one of the few high-reward travel cards with no annual fee. With the BankAmericard Travel Rewards® credit card, you’ll earn 1.5 points for every dollar you spend, and points can be redeemed for nearly any travel purchase in the form of a statement credit. This card also has no foreign transaction fees, which makes it perfect for traveling abroad. If you’re a traveler and are looking for a simple no annual fee card that won’t make you worry about blackout dates, this card is for you.
Citi® Double Cash Card
This might be the best cash rewards card out there because it’s the only credit card that gives you cash back twice. You’ll earn 1% back when you make a purchase, and another 1% back when you make a payment, making this the best flat rate cash back credit card on the market! You’ll also receive a 0% intro APR on balance transfers, which can be really helpful in paying off a balance from another credit card. There’s no limit to the amount of cash back you can earn, and this card is ideal for people who don’t want to keep up with any rotating categories. If you pay off your bill in full every month, this card becomes a cash back machine. With a great rewards rate, 18 months of 0% intro APR on balance transfers, and no annual fee, the Citi Double Cash is a winner for just about everyone!
Capital One® Venture® Rewards Credit Card
This is easily one of our favorite cards. The 2 miles for every $1 spent makes it one of the leaders for travel credit cards. When you add in a 40,000 mile sign up bonus after you spend $3,000 on purchases within the first 3 months – equivalent to $400 in travel – you can see why it’s one of our favorites. It does have a small annual fee of $59, but it’s waived the first year, and it doesn’t have any foreign transaction fees. That makes the Capital One Venture Card a great fit for travelers and even once-a-year vacationers!
BankAmericard Cash Rewards™ Credit Card
Everyone loves earning cash back rewards. With a great rewards rate, and 0% APR for 12 billing cycles, this credit card is a great fit for both rewards and low interest. It has a 0% intro APR on new purchases and balance transfers for an entire year! The BankAmericard Cash Rewards shines brightest with its 3% cash back on gas, 2% cash back on grocery stores/wholesale clubs, and 1% cash back on everything else. There is a $2,500 limit per quarter on the 3% and 2% categories, but you’ll still be able to earn 1% on those purchases if you happen to hit the cap. If you already have a qualifying Bank of America checking account, the rewards could be up to 75% higher, or, 5.25% cash back on gas, 3.5% cash back on groceries and 1.75% on everything else – depending on your account balance. Finally, you get a $100 bonus after spending $500 in the first 90 days of account opening. With cash back, no annual fee, a lengthy 0% intro APR, and a $100 sign up bonus, this card has it all!
Chase Sapphire Preferred® Card
This is one of the most popular cards for frequent travelers. It offers 2 points for each dollar spent on travel and dining out, and 1 point per dollar on all other purchases. Combine that with a 50,000 point sign-up bonus after spending $4,000 in the first 3 months and you have an awesome rewards card. The 50,000 point sign up bonus alone is worth at least $625 in travel or $500 cash back. Redeeming your points via Chase’s Ultimate Rewards portal saves 25% on travel costs and allows you to stretch the 50,000 points into $625 in travel. But that isn’t even the best part about the Chase Sapphire Preferred. You can transfer your points at a 1:1 ratio to several travel programs with no transfer fees, including United MileagePlus, Southwest Rapid Rewards, Hyatt Gold Passport and Marriot Rewards. This makes the card perfect for travelers who like to use multiple loyalty programs. There is a $95 annual fee, but it is waived after the first year and the rewards make it well worth it.
The Amex EveryDay® Credit Card from American Express
If you have excellent credit, the Amex EveryDay Credit Card is for you. This card comes with 0% intro APR on purchases and balance transfers for 12 months, plus a solid rewards program geared towards grocery spending. If you find yourself at the grocery store once or twice a week, this card should definitely find a home in your wallet. You get 2 Membership Rewards points for every dollar spent at U.S. grocery stores (with a $6,000 annual limit) and 1 Membership Reward point for all other purchases. There’s no annual fee, and a sign up bonus of 10,000 Membership Rewards after you make $1,000 in purchases in the first 3 months. There’s also a unique feature of this card that allows you earn a 20% points bonus when you reach at least 20 transactions in a billing cycle. Since it’s an American Express card, you’ll also enjoy their legendary customer service.
Citi® Diamond Preferred® Card
Need to finance a big purchase or pay off your balance from another credit card? The Citi Diamond Preferred has a 21-month 0% introductory APR for purchases and balance transfers – with no annual fee! That means that whether you’re making a large purchase or transferring a balance, you won’t have to pay any interest all the way into 2018. This combination makes this card perfect for people looking to get out of debt. By transferring your other credit card balance to the Citi Diamond Preferred, you’ll have almost two years to pay off your balances totally interest free. Every penny of your payments during the intro period will go towards the principle of your balance, so you’ll be able to reach financial freedom much more quickly. Remember this card when you want to upgrade with your excellent credit and use it to pay zero interest for 21 months on the next big item you purchase.
Discover it® Cashback Match™
This popular cash back credit card features a very unique sign up bonus that you won’t find anywhere else. For new cardholders, Discover will match all the cash back you earn in your first year. This means that if you earn $200 in rewards, the Cashback Match will add an additional $200 to your pocket! The Discover It credit card has a generous rewards program that offers 5% cash back in certain rotating categories each quarter and 1% on all other purchases. The 5% back is limited to the first $1,500 each quarter, and the categories include things like gas, groceries, dining, and Amazon.com. On top of all that, it has a 0% intro APR for 12 months on purchases and balance transfers, and you’ll never have to pay an annual fee. Overall, this card is perfect for cash rewards, financing a big purchase, or transferring your high interest debt to help you save money.