10 Best Credit Cards for Excellent Credit: Get the Rewards You Deserve!

If you have excellent credit, then you should consider applying for one of the best credit cards for excellent credit. These cards offer great rewards and benefits, including cash back, airline miles, and hotel points. They also come with a variety of other perks, such as no annual fees and low-interest rates.

So if you’re looking for a card that will help you get the most out of your good credit score, then check out our list of the best credit cards for excellent credit!

What is an excellent credit score, and why is it important to have one?

An excellent credit score (also known as a “superprime” credit score) is a score that’s at the very top of the credit score range – typically between 800 and 850 on the FICO Score* scale, or between 780 and 850 on the VantageScore® 3.0 scale.

Having an excellent credit score gives you access to the best borrowing terms and lowest interest rates when you’re applying for a loan or credit card.

People with excellent credit scores are often able to get offers that are not available to people with good or even average credit scores.

So why is an excellent credit score so important? There are a few reasons.

First, having an excellent credit score can save you a lot of money in interest charges over time. For example, let’s say you’re looking to buy a new car that costs $30,000. If you have an excellent credit score, you could qualify for an auto loan with an interest rate of just 3% APR.

On a five-year loan, that would translate into monthly payments of just $535 – and total interest charges of only $1,350. Now let’s say you have a good but not excellent credit score. You might still be able to get a loan for the same car, but your interest rate could be as high as 11% APR.

On a five-year loan, that would translate into monthly payments of $665 – and total interest charges of $3990. So as you can see, having an excellent credit score can save you a lot of money in the long run.

Another reason why an excellent credit score is so important is that it can give you more borrowing power when you need it. For example, let’s say you’re looking to buy a new home that costs $250,000.

If you have an excellent credit score, you could qualify for a mortgage with a loan-to-value (LTV) ratio of 80%. That would mean you’d need to put down a $50,000 down payment and finance the remaining $200,000 with a mortgage.

But if your credit score is just good, you might only qualify for a mortgage with a loan-to-value ratio of 95%. That would mean you’d need to put down a $12,500 down payment and finance the remaining $237,500 with a mortgage.

In other words, having an excellent credit score can help you get a lower interest rate and a higher loan-to-value ratio – both of which can save you a lot of money.

Finally, an excellent credit score can also help you qualify for better terms on other types of loans, such as personal loans and business loans. And it can even help you get approved for rent-to-own agreements and leases.

So as you can see, there are many reasons why an excellent credit score is so important. If you have excellent credit, be sure to take advantage of it by getting one of the best credit cards for excellent credit!

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What are the best credit cards for excellent credit scores?

When it comes to credit cards, there are a lot of options out there. It can be difficult to know which card is right for you, especially if you have excellent credit.

Here are a few of the best credit cards for people with excellent credit scores:

#1. The Chase Sapphire Preferred® Card: The Best Overall Credit Card for Excellent Credit Scores.

Chase Sapphire Preferred® Card is one of the best credit cards for excellent credit scores. It has a rich rewards program and other perks that make it a great choice for those who travel often.

The annual fee is relatively low at $95, making it a great option for those who want to maximize their return on investment. The card can also be paired with another Chase card to further increase rewards.

Highlights

• You can earn 80,000 bonus points if you spend $4,000 on purchases in the first 3 months from account opening. This equals $1,000 when you redeem through Chase Ultimate Rewards®.
• You can enjoy benefits such as a $50 annual credit for hotels, 5x points when you buy things related to travel through Chase Ultimate Rewards®, 3x points when you buy food, and 2x points for other types of travel, among other perks.
• You can get 25% more value when you redeem your points for airfare, hotels, car rentals, and cruises through Chase Ultimate Rewards. This means that 80,000 points are worth $1,000 toward travel.
• When you use your Pay Yourself Back℠ points to get statement credits for purchases you’ve already made, they’re worth 25% more than normal. This offer is rotating, so make sure to check which categories are eligible each month.
• You can count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, and more.

Pros & Cons

The Chase Sapphire Preferred Card is a rewards credit card with many benefits for the traveler. You can earn high rewards on travel and dining, and you can transfer your points to travel partners at a 1:1 rate.

You also get many travel and shopping protections, and a welcome bonus of 80,000 points.

However, there is an annual fee, and you don’t get an intro APR offer. The best travel rewards are only for bookings through Chase.

Overall, the Chase Sapphire Preferred Card is a great choice for the traveler who wants to earn rewards and enjoy many benefits.

#2. Capital One Venture Rewards Credit Card

If you’re looking for a credit card that will give you generous rewards for your spending, the Capital One Venture Rewards Credit Card is a great option.

You’ll earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel, and 2 miles per dollar on all other purchases. There’s no limit to the number of rewards you can earn, and you can redeem your miles for travel expenses, gift cards, or cashback. The annual fee is $95, but it’s worth it if you plan to use the card regularly.

Highlights

• If you spend $4,000 on purchases in the first 3 months after opening your account, you will get a one-time bonus of 75,000 miles. That is equal to $750 in travel rewards.
• You can earn unlimited 2X miles on every purchase, every day.
• Miles never expire as long as your account remains active. And there is no limit to the number of miles you can earn.
• Receive a $100 credit for Global Entry or TSA PreCheck.
• If you book hotels and rental cars through Capital One Travel, you can earn 5X miles. You’ll get Capital One’s best prices on thousands of trip options.
• If you have a Capital One credit card, you can use your miles to get reimbursed for any travel purchase. You can also use your miles to book a trip through Capital One Travel.
• You can transfer your miles to 15+ different travel loyalty programs.
• You will not have to pay any fees for using your card when you purchase in a foreign country.

Pros & Cons

The Capital One Venture Rewards Credit Card is a great option for people who want to earn rewards on their everyday spending. You’ll earn 2x miles on all your purchases, and there’s no limit to the number of rewards you can earn. Plus, you’ll get a solid welcome bonus of 75,000 miles when you spend $4,000 in the first 3 months.

The only downside is that there’s an annual fee of $95 and a No-Intro offer. But if you’re a frequent traveler, the Capital One Venture Rewards Credit Card is worth considering.

#3. Savor Rewards Credit Card 

The Capital One Savor card is a great cashback credit card for those who love to spend on bars, restaurants, and active social life. It’s easy to justify the annual fee and accumulate great rewards with a remarkable 4% cashback rate on dining and entertainment (including popular streaming services), 3% cash back at grocery stores, and 1% cashback on all other purchases.

When redeeming your rewards, you have the option of using them as cashback, gift cards, or towards travel expenses. There is no minimum redemption amount, and your rewards do not expire as long as your account remains open.

For added perks, you’ll also enjoy complimentary concierge services and extended warranty protection on eligible purchases.

If you’re looking for a top-notch rewards card with excellent earning potential and ample perks, the Capital One Savor card is a great choice.

Highlights

• If you spend $3,000 on purchases within 3 months from account opening, you will get a one-time $300 cash bonus.
• You can earn 8% cashback on tickets you buy through the Capital One Entertainment ticketing platform and on Vivid Seats ticket purchases.
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
• You can earn 4% cash back on dining, entertainment, and popular streaming services.
• Earn unlimited 3% cash back at grocery stores and other qualifying retailers.
• Earn 1% on all other purchases.
• You don’t need to sign up for any rotating categories or special programs to earn cash rewards. Plus, your cash rewards will never expire as long as you have the account, and there’s no limit to how much you can earn.

Pros & Cons

As anyone who’s ever tried to maximize their credit card rewards knows, finding a card that offers bonus points on the categories you spend the most in is key.

And while the Savor Rewards Credit Card from Capital One doesn’t have an introductory APR on purchases or balance transfers, it does offer 4% cash back on dining and entertainment, making it a good option for people who spend a lot in those categories.

There are also no foreign transaction fees, so it’s a good choice for international travel.

However, there is an annual fee of $95, so you’ll need to make sure you’re spending enough to offset that cost. All things considered, the Savor Rewards Credit Card is a decent option for people who spend a lot on dining and entertainment and don’t mind paying an annual fee.

#4. The Platinum Card® from American Express

The Platinum Card from American Express is one of the best travel credit cards on the market. If you are a frequent traveler, the Platinum Card is an excellent choice for you.

The card offers a variety of luxury travel benefits, including access to the American Express Platinum Concierge service. The Concierge service can help you with everything from booking travel reservations to making restaurant reservations.

In addition, the card also offers a variety of other travel benefits, such as free hotel nights and complimentary airport lounge access. The annual fee for the Platinum Card is $695, but if you use the card wisely, the fee is justified.

Highlights

• Get 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• You can earn 5X Membership Rewards® points for every dollar you spend on airfare and prepaid hotel bookings when you book through American Express Travel. This offer is valid for up to $500,000 in purchases per calendar year.
• You can get $200 back each year in statement credits for prepaid Fine Hotels + Resorts® or The Hotel Collection bookings if you use your Platinum Card®. You can also get up to $200 in statement credits every calendar year if you select a qualifying airline and charges for incidental fees are made to your Platinum Card®.
• For every month that you spend $240 or more on eligible digital entertainment purchases with your Platinum Card, you will get back $20. This includes Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. You must sign up for this offer to receive the credit
• Get a $155 statement credit each month you use your Platinum Card to pay for your Walmart+ membership. This includes the $12.95 monthly fee plus local sales tax.
• American Express has made it possible for Platinum Cardholders to access over 40 Centurion Lounges and Studios around the world. This means that cardholders can enjoy exclusive perks and complimentary entry at many more locations.
• You can get $200 in statement credits per calendar year for baggage fees and other charges from one qualifying airline.
• You can get Uber VIP status and save up to $200 on rides or eats orders in the US annually. You need to be a Basic Card Member to qualify for this offer.
• If you use your Platinum Card to pay for the Equinox+ digital fitness app or an eligible Equinox club membership, you’ll get $25 back each month. You must sign up for this offer to qualify.
• Get up to $189 back per year on your CLEAR® membership. CLEAR® is available at select airports and stadiums.
• $695 annual fee.

Pros & Cons

There’s no doubt that the Platinum Card® from American Express comes with some serious perks.

If you’re a frequent traveler, you’ll love the high rewards potential on flights and hotels booked through American Express Travel. And the multiple credits can help justify the annual fee for some people.

But there are also some drawbacks to consider. First, the annual fee is very high. Second, maximizing the statement credits takes some work and could be unworkable for many people.

And finally, the reward rate outside of travel is sub-par for a premium card. So before you apply, be sure to weigh the pros and cons carefully to see if this card is right for you.

#5. Blue Cash Preferred® Card from American Express

The best credit cards for people with excellent credit are those that offer the best rewards, lowest interest rates, and best terms and conditions. And the Blue Cash Preferred® Card from American Express is one of the best credit cards out there.

It offers a great rewards program, low-interest rates, and great terms and conditions. Plus, it’s one of the best credit cards for people with excellent credit.

So if you’re looking for a great credit card, the Blue Cash Preferred® Card from American Express is a great choice.

Highlights

• Get a $300 statement credit when you spend $3,000 on your new Card in the first 6 months.
• In the first year, there is no annual fee. The next year, the annual fee is $95.
• Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee of up to 1.33% of each purchase amount moved into a plan based on the plan duration.
• If you open a new account today, you will get 0% interest for the first 12 months on any purchases you make. After that, the interest rate will be a variable rate between 14.74% and 24.74%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1% cashback).
• You will get 6% cash back on select U.S. streaming subscriptions.
• You will get 3% cashback when you use your card at U.S. gas stations and on transit. This includes taxis, rideshare, parking, tolls, trains, buses, and more.
• 1% cash back on other purchases.

Pros & Cons

If you’re looking for a credit card that offers high cash-back rewards in several spending categories, the Blue Cash Preferred® Card from American Express is a great option.

You’ll earn 6% cash back at U.S. supermarkets (up to $6,000 in annual spending), 3% cash back at U.S. gas stations, and 1% cash back on other purchases. There’s no enrollment required – cashback is automatic.

Plus, the card comes with several travel benefits and protections, including access to the American Express® Global Lounge Collection, car rental loss and damage insurance, and 24/7 roadside assistance.

The main downside of the Blue Cash Preferred® Card from American Express is that it charges an annual fee. Additionally, the 6% cash-back reward at U.S. supermarkets is capped at $6,000 in annual spending – after that, you’ll earn just 1% cash back on supermarket purchases.

However, if you spend enough to justify the annual fee and you don’t mind the cap on supermarket rewards, this card is worth considering.

#.6. Chase Sapphire Reserve

Chase Sapphire Reserve is one of the best credit cards for people with excellent credit. If you spend frequently on travel and dining out, you can earn superior points with this card.

The $300 travel credit justifies much of the annual fee and when you redeem points for travel on Chase Ultimate Rewards, you get a 50% bonus. With the Pay, Yourself Back feature, you can also earn rewards on everyday purchases like groceries and gas.

Whether you’re looking for a great travel rewards card or a way to earn points on everyday spending, Chase Sapphire Reserve is a great option.

Highlights

• If you spend $4,000 on purchases in the first 3 months from your account opening, you’ll earn 50,000 bonus points. Those points can be redeemed through Chase Ultimate Rewards® for $750 worth of travel.
• You will get $300 each year to spend on travel. This money can be used to pay for things like airline tickets, hotel rooms, and rental cars.
• You can get 5x points when you travel through Chase Ultimate Rewards®, and 10x points when you stay in hotels or rental cars. You’ll also get 3x points on other types of travel, and 1 point for every $1 you spend on other things.
• If you redeem your points for travel through Chase Ultimate Rewards®, you’ll get 50% more value. For example, 50,000 points are worth $750 toward travel.
• When you pay yourself back with Pay Yourself Back, your points are worth 50% more during the current promotion when you use them to offset current purchases in select, rotating categories.
• You can now transfer your points to leading airline and hotel loyalty programs.
• After enrolling in Priority Pass™ Select, you will have access to 1,300+ airport lounges worldwide and up to a $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®.
• Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Baggage Delay Insurance, and more are all covered.

Pros & Cons

Credit card companies are always coming up with new ways to entice people to sign up for their products. The Chase Sapphire Reserve Card is one of the newer offerings on the market, and it comes with a variety of features that can be appealing to consumers.

One of the biggest selling points of the card is the $300 annual travel credit. This credit can be used for a wide range of travel expenses, including airfare, hotels, and even Uber rides. Other perks include a generous welcome bonus and the ability to transfer points to valuable airline and hotel partners.

However, the card also has some drawbacks, such as a high annual fee and a high variable APR on purchases.

Overall, the Chase Sapphire Reserve Card can be a great choice for consumers who are looking for a well-rounded rewards card with a few added extras. Excellent credit is required to qualify for this card.

#7. U.S. Bank Altitude® Reserve Visa Infinite® Card 

The U.S. Bank Altitude™ Reserve Visa Infinite® Card is a great choice for those who frequently use mobile wallets for their purchases. Among its many perks, the card offers 3 points per dollar spent on mobile wallet purchases, which can add up quickly for those who use this payment method often.

In addition, the card comes with a $325 annual travel credit, making it easy to offset the $400 annual fee. For frequent travelers, the U.S. Bank Altitude™ Reserve Visa Infinite® Card is a great option to consider.

Highlights

• After spending $4,500 in the first 90 days of account opening, earn 50,000 points worth $750 in travel.
• Booked directly in the Altitude Rewards Center, you may earn 5X points on prepaid hotels and car rentals.
• Earn triple points for every dollar you spend on eligible travel purchases and mobile wallet spending.
• You may earn a 1X point for every $1 you spend on all other eligible net purchases.
• Use your mobile device to instantly exchange points for almost any purchase.
• With a complimentary 12-month Priority Pass™ Select membership, you can enjoy access to more than 1,200 VIP lounges worldwide.
• You will get service all the time with people who can help you 24/7. You also have a Visa Infinite Concierge to help you with anything you need.

Pros & Cons

The U.S. Bank Altitude® Reserve Visa Infinite® Card is a luxury rewards credit card that offers a 50% points bonus when redeeming for travel. cardholders also receive up to $325 in annual travel credit and a luxurious engraved metal card. There are no limits on points earnings with this card, making it a great choice for those who travel often.

However, the U.S. Bank Altitude® Reserve Visa Infinite® Card is only available to applicants with an existing U.S. Bank relationship and there are no points transfer options available.

As such, this card may not be the best option for those who do not have an existing relationship with U.S. Bank or who are looking for more flexibility in their rewards program.

#8. Alliant Cashback Visa Signature Credit Card 

The Alliant Cashback Visa Signature Credit Card is best for everyday buyers who are looking to earn the highest rate of cashback on their purchases.

There is no welcome bonus offered, but Alliant does provide a 2.5% return on monthly balances for cardholders with excellent credit scores.

Given that many credit cards only offer 1% or 2% cashback on purchases, the Alliant Cashback Visa Signature Credit Card is a great option for those who want to earn more back on their spending.

In addition, there are no foreign transaction fees and the card comes with built-in fraud protection, making it a safe and secure option for online shopping and travel.

Overall, the Alliant Cashback Visa Signature Credit Card is a great choice for those who are looking to maximize their cashback earnings.

Here are the Highlights:

• When you purchase with your Alliant Signature card, you’ll receive $250,000 in travel accident insurance.
• You can earn up to 2.5% cashback on all your purchases with a qualifying account. For other purchases, you’ll earn 1.5%.
• You can redeem cashback rewards in transactions of $25 or more.
• You can choose to receive cashback from your Alliant credit card as a deposit into your Alliant checking or savings, or as a statement credit on your next billing cycle.
• If you become a victim of personal identity theft, up to $5,000 will be available to help you restore your identity.

Pros & Cons

Credit cards are a handy tool for people who want to make purchases without having to carry around cash or checks. They can also be used to build credit, provided that you make your payments on time and in full each month.

However, not all credit cards are created equal. Some, like the Alliant Cashback Visa Signature Credit Card, are designed for people with excellent credit.

These cards come with several perks, including a near-unbeatable 2.5% cashback rate on up to $10,000 in monthly purchases for eligible accounts (then 1.5%). Other benefits include no foreign transaction fees and a generous credit line.

However, there are also some drawbacks to consider. There is no intro APR offer or welcome bonus, and you’ll need a companion savings account and minimum daily balance to earn the maximum rate.

Ultimately, whether or not the Alliant Cashback Visa Signature Credit Card is right for you will depend on your financial situation and needs.

#9. Citi® Double Cash Card

Looking for a great credit card with no annual fee? The Citi Double Cash Card is a great choice for earning cashback on all of your purchases. With a flat rate of 2% cashback on all purchases (1% when you buy and 1% when you pay your bill), it’s easy to earn cashback with this card.

Plus, there’s an introductory 0% APR offer on balance transfers for 18 months, making it a great choice for those who want to transfer a balance and save on interest.

If you’re looking for a simple, rewarding credit card, the Citi Double Cash Card is a great option.

Here are the Highlights:

• Get 2% cashback on every purchase, plus an extra 1% when you pay for those purchases.
• To earn cashback, make sure to pay at least the minimum due on time.
• If you transfer a balance to our card, you will have 0% APR for the first 18 months. After that, the interest rate will be 14.74%-24.74%, based on your credit score.
• Balance transfers do not earn cashback. The intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases. If you want to avoid this, then you need to pay your entire balance (including balance transfers) by the due date each month.
• If you transfer money within the first 4 months of opening your account, there is a 3% intro balance transfer fee (minimum $5). After that, the fee will be 5% of each transfer (minimum $5).
• The standard variable APR for Citi Flex Plan is 14.74% – 24.74%. This rate may change depending on your credit score. Citi Flex Plan offers are available to people who meet the credit score requirements.

Pros & Cons

The Citi® Double Cash Card offers cardholders the opportunity to earn cash back on every purchase, with no limit on the amount of cashback that can be earned.

There is also no annual fee for this credit card. Another valuable feature of the Citi® Double Cash Card is the introductory APR period for balance transfers.

However, there are some drawbacks to this credit card as well. For example, there is a foreign transaction fee, balance transfer fee, and lack of benefits seen in other no annual fee cards.

Additionally, there is no introductory 0% APR on purchases. Despite these drawbacks, the Citi® Double Cash Card could still be a good choice for creditworthy consumers looking for a way to earn cashback on their everyday spending.

#10. Citi Rewards+® Card

The Citi Rewards+® Card is an intriguing option for credit card users looking to earn rewards on all of their purchases.

One of the most appealing features of this card is that Citi rounds up all purchases to the next 10 points. So, for example, a $3 purchase will earn 10 points. This makes it easy to rack up rewards quickly, without having to worry about large purchases.

In addition, cardholders can earn an additional 10% redemption bonus each year on up to 100,000 redeemed points. Plus, there’s no annual fee, and earning rates on supermarkets and gas spending are increased up to the annual $6,000 cap.

All of these benefits make the Citi Rewards+® Card a great choice for credit card users looking to maximize their rewards earnings.

Here are the Highlights:

• Earn 20,000 bonus points after spending $1,500 on purchases with your card in the first 3 months. These points can be redeemed for $200 worth of gift cards from thankyou.com.
• You can earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months. After that, you will earn 1 ThankYou® Point per $1 spent.
• You will have 0% interest on balance transfers for 15 months from the day you make your first transfer. The interest rate after that will be 14.24%-24.24%, based on your credit score. There is a 3% fee for each balance transfer made in the first 4 months of opening your account.
• The Citi Rewards+ Card is the only card that automatically rounds up to the nearest 10 points on every purchase. This means you’ll earn more rewards without having to do anything extra! There is no cap on how many rewards you can earn, so you can rack up points quickly.
• Earn double the ThankYou® Points at supermarkets and gas stations for the first $6,000 per year. Then earn one point for each dollar you spend. Plus, earn one point for each dollar you spend on all other purchases.
• The APR for Citi Flex Plan can be between 14.24% and 24.24%, depending on your credit score. This offer is only available if Citibank decides to give it to you.

Pros & Cons

The Citi Rewards+® Card is best for people with excellent credit who want a simple cash-back credit card. You’ll earn 2x points on the first $6,000 you spend annually at supermarkets and gas stations and 1x points on all other purchases.

There’s also a 10% rewards points bonus when you redeem your points, which could make this card worth considering if you spend a lot in these categories.

However, keep in mind that there is a foreign transaction fee of 3%, so this card may not be the best choice if you travel abroad frequently.

Additionally, the APR on this card can be quite high depending on your creditworthiness, so it’s important to only charge what you can afford to pay off in full each month. Balance transfers also come with a fee of 5%, so it’s not the best choice if you’re looking to transfer a balance from another credit card.

Overall, the Citi Rewards+® Card is best for people who want simple cash-back rewards and don’t mind paying an annual fee.

Read More: The Best Credit Cards for Bad Credit

How to choose the best credit card for excellent credit?

When you have excellent credit, you have a lot of options when it comes to choosing a credit card. There are many different types of cards available, so it’s important to compare your options and choose the card that best fits your needs.

If you’re looking for a simple cash-back card, the Citi Rewards+® Card is a great option. You’ll earn rewards on every purchase, and there’s no annual fee.

If you’re looking for a card with more perks, the Chase Sapphire Preferred® Card offers several valuable benefits, including travel insurance and trip cancellation protection. However, it does have an annual fee of $95.

No matter which card you choose, be sure to read the fine print and understand all of the fees and benefits before you apply. Excellent credit gives you a lot of options, so take your time to find the best card for your needs.

How can you improve your credit score if it’s not in the excellent range yet?

There’s no magic number for what constitutes an excellent credit score. However, if your score is in the high 700s or above, you’re likely to qualify for the best credit cards out there. If it’s in the low 600s, you may still be able to get a good card, but you may have to pay a higher interest rate.

Here are a few things you can do to improve your credit score:

• Make sure you’re paying your bills on time. This is one of the most important factors in your credit score.
• Keep your credit utilization low. This means using less than 30% of your available credit at any given time.
• Check for errors on your credit report and dispute any that you find.
• Consider opening a new credit card and using it responsibly to build up your credit history.

If you take these steps, you should see your credit score start to improve over time. Excellent credit can save you money in the form of lower interest rates and better rewards, so it’s worth working on if you’re not there yet.

How can you make sure your credit score stays in the excellent range over time?

Excellent credit is essential if you want to qualify for the best terms on loans and credit cards. But how can you make sure your credit score stays in the excellent range over time?

One of the best ways to maintain an excellent credit score is to use a credit card that reports your payments to the major credit bureaus. This way, your timely payments will be reflected on your credit report, and your score will benefit.

Another good strategy is to keep your credit utilization low. This means using only a small portion of your available credit at any given time. By doing so, you’ll show creditors that you’re a responsible borrower who doesn’t max out their cards.

Finally, it’s always important to stay current on your payments. Even one late payment can damage your credit score, so it’s best to set up automatic payments or reminders to ensure you always make your payment on time.

By following these tips, you can help keep your credit score in the excellent range.

Conclusion

Do you have excellent credit? If so, congratulations! You’re in a great position to take advantage of some top-notch rewards credit cards. We’ve compiled a list of the best credit cards for excellent credit, all of which offer generous rewards and benefits.

So, what are you waiting for? Check out our favorite picks and start enjoying the perks today.

Have you used any of these cards before? What was your experience like? Share with us in the comments below.