COMPARE CREDIT CARD OFFERS FOR EXCELLENT CREDIT
Capital One® VentureOne® Rewards Credit Card
Bank of America® Cash Rewards Credit Card
Chase Sapphire Preferred® Card
Capital One® Venture® Rewards Credit Card
BankAmericard Travel Rewards® Credit Card
Wells Fargo Cash Wise Visa® Card
Citi® Diamond Preferred® Card
Wells Fargo Platinum Visa® Card
Capital One® SavorSM Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card
Excellent credit. It’s the credit ranking smart consumers strive for.
With it, you get better interest rates on loans, and your auto insurance premiums are lower. Also, excellent credit opens up the possibilities of lucrative rewards credit cards.
Whether you are in the market for cash back, travel or even balance transfer, you can save hundreds of dollars a year with the right card. Here’s what you need to know about cards that require excellent credit, from their advantages, to how to build your credit:
An excellent credit score is usually 760 and above on the FICO score, the scoring model most used by lenders. FICO ranges from 300-850, with anything above 700 considered in the good category.
There are other scoring models, such as Vantage, but most lenders opt for FICO. You can get your FICO score for about $20 each at MyFICO.com or your Vantage score for free at CreditCards.com. Also, many credit card issuers now provide your score once a month as a benefit at no additional cost. That said, it isn’t necessary to check your credit score monthly – once every 3 or 4 months is more than enough.
Your score is a snapshot of your credit, allowing lenders to quickly identify whether you are a good risk for their lending products. Insurance companies, cell phone companies, landlords and even employers are also often interested in your credit, which is why it’s important to keep it healthy.
Your credit score is your report card for your financial life, so it’s something you should take care of. If you have a great score, you will be rewarded with excellent financial products, the apartment of your choice, that dream car and more. If you have a bad score, your insurance premiums may be higher, you may have to pay a down payment for utilities and the employer you think is perfect for you may not think you’re perfect for them.
It’s important to check your credit reports each year to make sure there are no mistakes (and get them corrected asap). You actually don’t need to check your score that often, as long as you are checking your reports regularly. You can check them once a year for free at AnnualCreditReport.com or you can check your TransUnion report for free at CreditCards.com. You want to make sure your on-time payments are reflected and your available credit is accurate. Pay in full and on time each and every month, limit applications for credit, and the rest will fall into place.
HOW DO I GET A CREDIT CARD FOR EXCELLENT CREDIT?
To get a credit card for excellent credit, you’ll need to make sure your credit matches the card’s requirements. Card issuers also look at income.
First, check your FICO credit for about $20 at MyFICO or check your Vantage score at CreditCards.com for free. A good score is over 700; an excellent score is over 760 out of a range of 300-850, with 850 as the best.
There is no guarantee that you will be approved, and issuers typically don’t specify what your score needs to be. But if you have steady income and an acceptable score, your chances of approval are considerably higher.
Do your research and only apply for one card, because “hard pulls” on your credit can ding your score, particularly when there are several credit pulls. A hard pull is when a lender checks your credit and it impacts your score. Several credit pulls can be interpreted by lenders as desperation for cash – that’s why they don’t like multiple applications for credit cards.
Because rewards cards tend to fall in the good or excellent categories, you can save hundreds of dollars a year with these cards. You can also benefit by taking out a balance transfer card.
Rewards cards can be cashback or travel cards, both of which are great for saving money.
With a cashback card, you can get a signup bonus of up to $300 for a certain spend within a certain amount of time, typically 90 days or 3 months. Then, you can get cash back for specific categories, such at 6% back on U.S. supermarkets on up to $6,000 per year in purchases, then 1% with the Amex Blue Cash Preferred. You can also get a cashback card with a flat rate on everything, such as 1.5% with the Wells Fargo Cash Wise. There is also a way to get double cash back on 5% with quarterly categories with the Discover it Cashback Match.
A travel card can have a host of features. Basically, a travel card will have a signup bonus that comes in miles or points. They work the same way as a cashback card – a minimum spend in a certain amount of time gets you the bonus. Then, you get points for purchases you make. Rewards points can be for brand loyalty, such as Amex Gold Delta SkyMiles, or for worldwide dining and travel, such as Chase Sapphire Preferred.
With a balance transfer card, you can transfer existing debt from one card to another with an introductory 0% APR, giving you the chance to pay down debt without paying interest charges. But you’ll need to make sure you pay off the debt before the introductory offer ends, so that you don’t resume paying interest fees.
Excellent credit is the gold standard for the savvy consumer. And the credit cards that require excellent credit are usually worth your while. You need to look at the annual fee, foreign transaction fees and other aspects of a card.
Annual fee – An annual fee is not necessarily something you need to shy away from. Cards with annual fees often have superior benefits, bonuses and features. For example, the Amex Blue Cash Preferred has a $95 annual fee, but it also has 6% cash back on U.S. supermarkets and 3% back on U.S. gas stations and select U.S. department stores, which can be quite advantageous.
Signup bonus – Many cards with excellent credit have outstanding signup bonuses, such as the Barclaycard Arrival Plus’ 50,000-mile signup bonus, which comes after a $3,000 spend within the first 90 days of card membership.
No foreign transaction fee – Increasingly, cards are offering no foreign transaction fee, such as the Barclaycard products. This comes in handy when you make overseas purchases, because they can add 3% to your charge.
Types of cards – There are a number of types of cards that require excellent credit, including cashback, travel and balance transfer cards.
While having a card that requires excellent credit isn’t an advantage in and of itself, except for perhaps a lower interest rate, the offers can be richer when you have excellent credit. Before choosing a card, you’ll want to assess your goals for your new financial product, such as what kind of card you are looking for, whether a travel card or a balance transfer card.
Do you want a card that you can use to transfer a balance? Look at whether the card you are eyeing has a generous 0% APR period and no balance transfer fee.
Do you want to earn cash back? Then, you need to decide if you want a card that has quarterly categories for a higher cash back percentage or a flat percentage of about 1.5%-2%.
Will you be using your new card for travel? With a travel card, you can be rewarded for loyalty to brands or enjoy paying for all manner of travel purchases with points or miles.
Do you travel a lot and not like it very much? A luxury card may be a good choice. The annual fee can be steep, but in exchange, you get access to airport lounges, airline credits and other benefits.
Here are the different scoring categories on a scale of 300-850, according to the dominant scoring model, FICO:
800 and above.
FICO considers this group exceptional, noting that it is much beyond the national average and only 1% of these consumers are likely to become delinquent.
740 to 799.
FICO says this category falls under very good, adding that the range is above the national average as well. Only 2% of consumers in this range are likely to become delinquent.
670 to 739.
This falls under the good category, according to FICO. Borrowers are “acceptable.” That means you may not get as low an interest rate as higher score ranges. FICO says about 8% of consumers in this category will likely become delinquent.
580 to 669.
This is the fair category, and it falls below the national average, says FICO. It’s harder to get credit when you are in this category, and interest rates will likely be higher than those with better credit. About 28% of consumers in this group will likely become delinquent.
579 and lower.
The poor category, consumers in this group are considered a poor credit risk and lenders may reject them, says FICO. You may have to put down a deposit or pay a fee to get a credit card or home utility services. Some 61% of consumers in this group are likely to become delinquent.
Excellent credit is determined by how you have handled your credit over the years. If you have missed payments or even just don’t have a lot of information in your file, your credit may not be great. FICO looks at:
Payment history – 35% of your score. Pay on time each and every month!
Amounts owed – 30%. The second most important part of your score, this is why you want to pay your credit cards in full each month. That keeps your utilization ratio as close to 0% as possible. The utilization ratio is how much you owe by how much credit you have available. So, if you have $1,000 credit available and you owe $100, your ratio is at 10%. You want the ratio to be as low as possible.
Length of credit history – 15%. To a lesser extent, how long accounts have been open plays a role on your credit. FICO loves it when you have decade-old accounts with good paying habits.
New credit – 10%. Every time you apply for a credit card, the credit bureaus know. And if you apply for multiple cards in a short amount of time or just before you take out a loan, creditors start to wonder if you are desperate for cash. That’s why you should do your research on a card before applying, making sure you have the credit score to get it.
Credit mix – 10%. FICO likes it when you have different types of credit, maybe a credit card (called revolving credit) and an auto loan or mortgage (called an installment loan).
Your credit report is the accumulation of credit behavior in the last 7-10 years. Your credit score is a measurement of the data from the credit report.
Lenders send your credit data to the three major credit bureaus, TransUnion, Experian and Equifax. Each bureau generates a report, which includes personal information, such as your name and past addresses, your accounts and whether you paid bills on time.
FICO, the dominant score, uses a formula with 5 major components, including on-time payments, a debt-to-available-credit ratio, and other credit habits. The data for the components come from the credit reports. The FICO credit score is the scoring model most used by lenders to assess your lending risk.
You can access your TransUnion credit report for free on CreditCards.com, or on the one site directed by federal law to release the 3 reports for free: AnnualCreditReport.com.
You are legally allowed to access each report for free once a year. Some credit experts recommend that you pull one of your reports every 4 months, staggering the requests.
AnnualCreditReport.com will ask for personal data, such as your birthdate and your social security number, ask you to choose which credit bureau’s report you want, then ask you a series of detailed questions only you would know, such as payment amounts for past loans, past addresses and other information. It helps to have this information handy when you pull a report. If you answer incorrectly, you may be shut out of the system for that bureau, and you may have to apply by snail mail.
The reports are compiled by the 3 major credit bureaus, TransUnion, Experian and Equifax, using data collected from lenders. They include personal information, such as your name(s), past addresses and payment history.
Check the report thoroughly for inaccurate information, such as unknown accounts. Request that the bureau correct any inaccurate information, preferably by snail mail, so that you don’t lose any negotiation rights.
There are a number of advantages to cards that require excellent credit, not because of the credit category itself, but because you are considered a low credit risk, which opens up the possibilities to better financial products. For example, you can save hundreds of dollars a year and land great rewards, travel and otherwise.
First off, if you pay in full each month, and you take advantage of the card’s rewards, you can save hundreds of dollars a year. Why? Because you are avoiding paying interest charges while taking advantage of the card’s signup bonus and points, miles or cash back for purchases.
Also, with excellent credit, you can get the best of the rewards cards out there, with signup bonuses of up to $300 or points in the tens of thousands. For example, the Chase Sapphire Preferred offers a signup bonus of 50,000 points with a $4,000 spend within the first 3 months of card membership. By using the Chase Ultimate Rewards portal, those 50,000 points actually come to $625 in travel rewards.
WHAT ARE THE DISADVANTAGES OF CARDS THAT REQUIRE EXCELLENT CREDIT?
There can be a couple of disadvantages to cards that require excellent credit if they aren’t used correctly, including annual fees and the need for organization. But it’s nothing insurmountable.
First off, cards that require excellent credit often have annual fees, though that isn’t necessarily a bad thing. There are great cards with no annual fee, such as the Wells Fargo Cash Wise, but don’t automatically opt out of cards with annual fees. With that fee often comes top-notch rewards, such as 2X points on all travel and worldwide dining or 6% cash back on U.S. supermarkets. Look at your spending history to help you make a choice.
Another possible disadvantage is that cards that require excellent credit are the better cards on the market, but that can mean they require a fair amount of organization. You want to be organized enough to pay in full and on time each month, and it helps to put everything on your go-to card so that you max out your rewards.
However, you want to make sure you don’t buy anything that you don’t already have the money for. Remember, credit cards aren’t to be used as long-term loans; rather, they are for building credit and convenience.
Credit cards that require excellent credit range from cashback and travel cards to business and balance transfer cards. Here are the different types, and why they are to your advantage:
Cash back – Most of these cards do not have an annual fee and let you earn a signup cash bonus in exchange for a certain spend within a certain amount of time. You can also earn cash back of up to 6% on certain categories and even 10% at the end of your first year, depending on the card and the category. There are also flat-rate cards that earn you up to 2% back on everything.
Travel – Travel cards often have an annual fee, but they can have generous benefits in return. One card, the Bank of America Alaska Airlines Visa Signature, offers its Famous Companion Fare, while you can use Barclaycard Arrival Plus miles toward all manner of travel expenses, and you are not limited to specific hotel and airline brands.
Business – Annual fees can be high on these cards, such as $175 after your first year with the Business Gold Rewards from American Express OPEN. But you also get excellent rewards, such as 3X points on this card on 1 out of 5 categories and 2X on the other 4. Don’t let the term “business” scare you away – if you are a solopreneur or freelancer, you can still qualify.
Luxury – Excellent credit isn’t enough with these cards – they can also be looking for a high household income. If you travel a lot and the hassle of said travel gets to you, luxury cards can be worth your while. Weigh the hefty annual fees with the benefits offered.
Balance transfer – These cards may have no annual fee and sometimes even no balance transfer fee, such as the Barclaycard Ring Mastercard. Otherwise, the balance transfer fee can be 3%-5% or $5-$10, whichever is greater. These cards are great for when you have a balance on an existing card and you need to reset your debt. With a balance transfer card, you can pay 0% APR for a limited amount of time, such as with the Ring, 15 months on purchases and 0% APR for 15 months on balance transfers made within 45 days of opening your account.
The most elusive of payment cards is actually not a credit card, but a charge card. Sometimes called the Amex Black Card, American Express’ Centurion is an invitation-only product that targets the wealthiest of American Express customers. Platinum card users are invited after they met certain criteria. There are three types of Centurion cards – personal, business and corporate.
A charge card means that you don’t have a set credit limit, but rather than allowing you to make an unlimited purchase amount, it quickly approves you for big-ticket items based in part on your past spending and payment habits.
While Amex does not release specifics about how you can qualify for the Centurion, the Motley Fool reported in 2014 that invitees will have spent $250,000 on another Amex charge card in the past year, have an average annual household income of about $1.3 million and have a net worth of about $16 million.
American Express reports that there is a $7,500 initiation fee and the annual fee is $2,500.
Luxury cards, whether credit or charge, vary widely in criteria, but if you don’t have exemplary credit, don’t even think about applying. The cards also look at your household income, and vary in how much you have to make to qualify.
These cards have hefty annual fees in exchange for premium benefits, such as priority seating, access to airport lounges and annual credits. For example, Gold Card from Barclaycard is gold-plated, has a $200 annual airline credit and offers luxury gifts. It has an annual fee of $995.
With the Business Platinum Card from American Express OPEN, you pay a $450 annual fee, and in exchange benefits include 35% back on points on all business or first class flights and access to the Amex Global Lounge Collection.
These cards are a good option for the frequent traveler who doesn’t love the hassles of travel.
The closest thing to a credit card with no limit is a charge card.
American Express has charge cards, such as the Premier Rewards Gold and the Centurion. With charge cards, you get cleared for big-ticket items at the time of purchase, and in exchange you pay in full each month. Technically, there isn’t a “no limit” opportunity, but if your payment and charging history are excellent, and your income is sufficient, you can pay for large amounts with your charge card.
Because you should pay in full and on time each month anyway (it’s good for your credit and you save by not paying interest charges), it shouldn’t matter if your financial product is a charge card. Rather, you should look at the annual fee and card benefits to decide if the card suits your lifestyle and purchase habits.
The best signup bonus varies based on limited time offers. For example, last year, the Chase Sapphire Reserve offered a 100,000-point bonus.
Signup bonuses are bundles of points or miles that you collect when you sign up for a new card and put a certain spend within a certain amount of time on the card, usually 3 months or 90 days.
Cashback rewards can also vary widely, depending on limited time offers, but usually they don’t go over $300, such as the Ink Business Cash from Chase. Similarly, you earn cash back when you put a certain amount on your card within a certain amount of time.
You can build your credit to have an excellent score within months. It’s just a matter of knowing how. An excellent FICO score is typically considered anything above 760 on a scale of 300-850, with 850 as the best. Follow these 8 steps:
Pull one of your credit reports. Each of the 3 major credit bureaus generates a credit report that you can legally access for free once a year. Pull your report at AnnualCreditReport.com or your TransUnion report at CreditCards.com, and check for errors, such as incorrect personal information or accounts you don’t recognize. Get the credit bureau to correct any inaccuracies.
If you have unpaid items on your credit report, pay the bill immediately and ask the creditor to notify the credit bureau that it has been paid.
Check your FICO score for about $20 each at MyFICO.com, or check your Vantage score for free at CreditCards.com
The easiest and fastest way to build credit is with a credit card. If you don’t already have one, choose one, keeping in mind your current score. Only apply for one, because multiple pulls can impact your score. Choose a card that you are sure you will be able to manage well.
The nice thing about credit scores is that your most recent payment history weighs the most. So, even if you have late payments on your credit reports, your newer history will have a greater impact.
Now that you are determined to improve your score, pay on time each month before the deadline. Payment history has the most impact on your FICO score, making up 35% of your score.
The second highest part of your score, at 30%, is your credit utilization ratio, or your debt by your available credit. So, if you have $500 in debt on your cards and you have $5,000 in available credit, your ratio is 10%. You want the ratio as close to 0% as possible. That’s why you need to get in the habit now of paying in full each month. If you have any debt on your cards, pay it off as soon as possible so that you bring your utilization ratio down.
If you really want to turbo charge your credit, pay off your credit cards in full several times a month, ensuring that the ratio is as close to 0% as possible when the card issuers send your payment habits to the credit bureaus.
Once you’ve cleared up your credit reports and are paying in full and on time each month, you will see an improvement within months. Keep checking your credit reports and credit score about every 4 months.
Have great credit but concerned it could go down? You should be. It is much easier to harm your credit than to build it. One late payment can impact your score, dropping you from “excellent” to “good” with just a few points. Follow these 5 steps:
It’s actually more important to check your credit reports than your score. Put on your calendar to check your report once every 4 months, rotating between the 3 major credit bureaus so that you are checking each one once a year.
Right now, pull your report at AnnualCreditReport.com or your TransUnion report at CreditCards.com and check for errors, such as incorrect personal information or accounts you don’t recognize. Get the credit bureau to correct any inaccuracies.
Whether you pay your bills on time is the most important aspect of your score; in fact, it makes up 35% of your score. So, keep paying on time each month!
If you haven’t already, pay in full each month, because the second most important part of your score is your debt compared to your available credit or your credit utilization ratio. The lower the percentage of debt, the better. So, if you have $1,000 in debt and $10,000 in available credit on your credit cards, your credit utilization ratio is 10%.
You don’t need to check your credit score frequently, provided you are making sure there are no errors on your credit reports; once every few months is more than enough.
Having a card that requires excellent credit typically has richer rewards, so if you plan to use your card for cash back or travel, a card with excellent credit can be help you reach your goals.
With excellent credit, you can access the best cashback cards, travel cards and other rewards cards, some of which don’t have annual fees.
But having excellent credit is more important than just the card you choose. It also impacts your interest rate on loans, the job offers you get, the apartment where you live and how much you pay in auto insurance.
Make up your mind that you will build or maintain excellent credit starting now!
Capital One® Savor? Cash Rewards Credit Card
– Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
– Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
– No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
– 0% intro APR on purchases for 9 months; 15.49%-24.49% variable APR after that
– 0% intro APR on balance transfers for 9 months; 15.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 9 months
– No annual fee
– No foreign transaction fees
Wells Fargo Platinum Visa® Card
– 0% Intro APR for 18 months on purchases and balance transfers, then a 16.15%-25.99% variable APR; balance transfer fees apply
– 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 Visa® Card
– Free 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
– $0 Annual Fee
– Select “Apply Now” to learn more about the product features, terms, and conditions
Citi Diamond Preferred Card
– Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% – 23.99% based upon your creditworthiness*
– There is a balance transfer fee of either $5 or 3% of the amount of each transfer
– Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
– $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
– No annual fee
– Free access to FICO Scores
Wells Fargo Cash Wise Visa Card
– Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
– Earn unlimited 1.5% cash rewards on purchases
– Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
– No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
– 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 Cash Wise Visa® Card
– 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
– $0 Annual Fee
– Select “Apply Now” to learn more about the product features, terms, and conditions
Bank of America Travel Rewards Credit Card
– Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire
– 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases
– Use your card to book your trip how and where you want — you’re not limited to specific websites with blackout dates or restrictions
– Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
– Comes with chip technology for enhanced security and protection at chip-enabled terminals
– 0% Introductory APR for 12 billing cycles for purchases, then 15.99% – 23.99% Variable APR
– Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
– If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%
Capital One Venture Rewards Credit Card
– Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
– Earn unlimited 2X miles per dollar on every purchase, every day
– Fly any airline, stay at any hotel, anytime
– Travel when you want with no blackout dates
– Miles won’t expire for the life of the account and there’s no limit to how many you can earn
– No foreign transaction fees
– $0 intro annual fee for the first year; $95 after that
– Get a metal Venture Card when you apply today
Chase Sapphire Preferred Card
– Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 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.
– Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
– No foreign transaction fees
– 1:1 point transfer to leading airline and hotel loyalty programs
– Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
– No blackout dates or travel restrictions – as long as there’s a seat on the flight, you can book it through Chase Ultimate Rewards
Bank of America Cash Rewards Credit Card
– No annual fee
– $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
– Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
– No changing categories and no expiration on rewards
– 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 13.99% – 23.99% Variable APR. 3% fee (min $10) applies to balance transfers
– Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
– If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%
Capital One VentureOne Rewards Credit Card
– Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
– Earn unlimited 1.25 miles per dollar on every purchase, every day and pay no annual fee
– Fly any airline, stay at any hotel, anytime
– Enjoy a low intro APR on purchases for 12 months; 12.99%-22.99% variable APR after that
– Travel when you want with no blackout dates
– No foreign transaction fees
– Miles won’t expire for the life of the account and there’s no limit to how many you can earn
Source: CreditCards.com
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