Bit of a darkhorse one, but if you're an Amazon Prime member you might check out the Amazon Prime Rewards Visa card: 5% back on all Amazon and Whole Foods purchases, 2% back on gas, restaurants and drug stores, and 1% on everything else. Also, AMEX will give you a higher initial credit limit than most cards as well as cash/points back. We rounded up the best credit cards of 2021 that can help you build credit, save on interest charges and earn you over $2,000 in five years. 2021's best credit cards for all credit levels, chosen from 1000+ offers. But now, in Canada! You earn 6% back at U.S. supermarkets on the first $6,000 spent, then 1%. Decent rewards, cool physical card, and I like the app. ; United Club℠ Infinite Card: Best feature: United Airlines rewards. Have it! 741 credit score according to Transunion and Equifax. And finally, for anything that doesn’t fit in those, I use the citi double cash back card. Or, you might not want the hassle of changing cards every year or so. Discover the best credit cards in Canada for 2021 in 26 different categories. Payments are applied instantly which I also like. If you spend 31 bucks a week a t the grocery store the card pays for itself. Very interesting. Definitely considering the Citi one, thanks! Possibly the best overall card for both purchases is the Blue Cash Preferred® Card from American Express. Press J to jump to the feed. Chase Sapphire Reserve®: Best for premium rewards. Finally, avoid the following credit card companies: Credit One, First Premiere, Milestone, Indigo, Fingerhut. So if you're looking for a credit card that gives you the most cash back or travel rewards, we got your back. When it comes to earning lots of cash back on purchases you make the most, this card can’t be beat. If you spend under $12,000 per year on the card: Citi Double Cash or the Fidelity card are 2%. If you spend under $12,000 per year on the card: Citi Double Cash or the Fidelity card are 2%. These banks prey on low scores by charging fees for nearly everything, holding payments for 5+ days, or even an "application processing" or "account opening" fee. Despite the high annual fee, part of what makes this card so valuable is the versatility of its points. Here are the top features of Axis Ace Credit Card. Find out what's best for you. Browse editors’ picks of the top credit cards of & read user reviews. If you’re going to spend that money anyway, why not earn rewards while you’re at it? ; United Club℠ Infinite Card: Best feature: United Airlines rewards. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you. best. Credit cards for excellent credit scores have various advantages such as cashbacks, points, high credit limits, and low-interest rates. I have excellent credit so approval should not be a problem. So if you're looking for a credit card that gives you the most cash back or travel rewards, we got your back. You could also look into something like the Discover It card which has a flat 1% cash back on all purchases and then rotating 5% cash back categories. That's why you need to make sure the rewards credit card you choose fits your spending patterns. The most competitive 0% p.a. I'm not sure if it's still going on, but there was a $400 sign up bonus for the Chase Freedom card back in August when I signed up. I’ve had the citi double cash card, but the foreign transaction was the deal breaker for me (I travel a lot). TIA! The following 9 best credit cards for excellent credit in 2021 can help you reap the most rewards for having the diligence to build excellent credit. None of those have annual fees, and if you have excellent credit you should be easily approved for any of them. This is in part due to the prestige associated with the cards but also because they often provide you with high credit limits. Came here to recommend the Fidelity Amex. Axis Bank Ace Credit Card is one of the best cashback credit cards in India as it comes with the highest universal cashback rate of 2%. Select breaks down the best cards for people with excellent credit, so you can choose a card that fits your needs. Your credit score is a big deciding factor for when it comes to getting approved for a credit card.Fortunately, there are two different types of credit cards you may be eligible for with bad or no credit. 18 comments. The best cards for people with excellent credit offer low interest rates, high rewards, and excellent perks. Unusually high reward earn rates. All 4 of these credit cards give at least 3% back on dining purchases and have low or no annual fees. Maximise Reward Points. I'd prefer cash back on groceries, gas, and general purchases. For no fee, I'd get blue cash everyday + uber card. share. Right now I have an Amazon Visa that effectively pays back 2% on Amazon purchases and 1% everywhere else. The world of enjoying premium travel benefits, paying for your trip with miles or points, earning cash-back on your purchases, and knowing you have coverage when things go wrong is great to experience. Citi® Diamond Preferred® Card Best credit card with excellent credit for intro balance transfer offer Pros. Our analysis considers the various things individuals with great credit scores can hope to get out of their credit cards, and the kind of savings and perks these are able to provide. Huh. Even if you don’t need (or want!) PROS: If you have a large purchase that will take a while to pay off, this is a clear winner for the task. If you spend more than $260/mo on groceries, get the blue cash preferred. Trying to get cash back rather than the amazon rewards so I buy less junk online lol. Congratulations! Are you sure? May 28, 2020 . When you try to get approved for a credit card you can run into a bit of a catch-22 if your credit is bad. Those who are new to building credit or who have a less-than-stellar score may not be able to get the best rewards credit cards. You can literally charge $1 each month for a cup of coffee, and they will give you $25 at the end of the quarter). Both of these cards carry no foreign transaction fee which is nice if you travel and a variety of other decent features. Alliant Visa Signature, if you spend more than $12k/year. Capital … You do need to have 25 dollars of cash before you can redeem, but that shouldn’t be an issue if you select this card (given that you’d need to spend about 1k per month to offset the annual fee, you’re getting 25 back per month). 7X Hilton Honors points per dollar spent on: Flights booked directly with airlines or If you are currently using a credit card that doesn’t offer rewards, then you are missing out. The best credit card for high spenders looking for prestige is probably one of the Luxury cards like the Black Card and the Gold Card are popular with high spenders. I have one and every year, I more than make up for my Amazon Prime subscription. credit card offers of 2021. Sort by. Maximise Reward Points. Apply online in a few steps & get the best credit card. credit card offers of 2021. Please contact the moderators of this subreddit if you have any questions or concerns. I just read the Terms & Conditions for the Barclays Sallie Mae MasterCard. We pair this card with the Citi Double Cash, Chase Freedom, and Discover so we have a wide variety of 5% cash back and if it doesn't meet any of those categories it goes on the Citi Double Cash. The best credit card for excellent credit is the Capital One Venture Rewards... Capital One® Savor® Cash Rewards Credit Card. When you use this card at gas stations, you’ll earn 3 points. Citi double, capital one quicksilver, chase unlimited, Amex everyday spending, Uber visa, wells fargo propel. If you’re new to credit cards for high credit scores, you likely have some questions, which we will answer below. Spending Rewards. Fortunately for foodies, dining is a hot rewards category, and there's no shortage of options. :-( sadly we don't get much lucky in Europe I have to pay 140 euros a year for a gold Amex card that gets me 1 mile per euro spent and that's it! The $400 was an amount of points they applied to your card, which can also be used to pay your balance. Thanks in advance. $12k is when the extra 5% more than covers the annual fee. Edit 2: Also autocorrect. There is no single card for all situations, it depends on the category. If you have no credit history, rather than a negative one, you may have to spend some time building your credit score with “beginner” cards before applying for a travel credit card. Citi Prestige® Credit Card: Best feature: Up to a $250 annual travel credit. Credit card issuers are choosy when it comes to approving rewards credit cards, which means you typically have to have good credit to get one. I’d say my favorite is the Apple Card. Platinum Card® from American Express: Best for luxury perks. report. As others have said its 2%on purchases. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. Chase Sapphire Reserve®: Best travel card for excellent credit; The Platinum Card® from American Express: Best credit card with a large welcome offer for excellent credit; Wells Fargo Propel American Express® Card: Best no-annual-fee card for excellent credit; Citi Simplicity® Card: Best balance transfer card for excellent credit New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. What Are the Best Credit Cards for People with Excellent Credit? Chase Freedom (5% back on rotating categories every quarter) Discover It (5% back on rotating categories every quarter) Bank of America Better Balance Rewards (gives you $25 each quarter if you pay more than the min balance or you pay the full statement balance each month in the quarter. I have this card and use it for business expenses. Unlimited 3% cash back at U.S. gas stations and on transit. While rewards credit cards are an excellent tool to help you save money and hit financial goals, they aren’t a great fit for everyone. Press question mark to learn the rest of the keyboard shortcuts. Been using the fidelity amex for years. I'd prefer cash back on groceries, gas, and general purchases. Wanna beef up my savings account and pay down loans. Find credit cards from Mastercard for people with excellent credit. 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. Or, if you're looking to save the most money with 1.99% interest for 9 months ‒ we've got that covered too.