Credit card for excellent credit

When you have the best credit, you should be eligible for almost any credit card. The best cards for the people with the best credit will offer rewards in the form of points, mail, or cash back. These top cards will also generally offer the benefits of premium travel insurance and purchase protection.

The best credit cards are made especially for those who are often premium travel reward cards. These cards can come with luxury benefits such as access to the airport lounge, elite status with hotels, or other unique benefits.

Best credit card for excellent credit overall and for a high credit limit

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the top travel cards due to the merits and value of its prizes. Ultimate Rewards Points can be transferred to different airlines and hotel partners for great redemption values. The card has a great welcome bonus, which makes the card a great choice for customers who want an instant free flight or hotel stay.

The card will serve regular travelers who have no objection to paying a modest annual fee for a solid travel rewards card with substantial benefits, a great welcome bonus, and flexible rewards.

Pros:

Offers one of the most generous signup bonuses available today.

Chase Ultimate Rewards earns points, giving you access to a highly flexible and valuable credit card rewards program.

Gives you 5x on trips purchased through Chase Ultimate Rewards®, 3x on food, and 2x on all other travel purchases.

Points cost 25% more when you travel through the Chase Ultimate Rewards portal.

Basic Auto Rental Insurance offers a combination of insurance perks and benefits, including trip and equipment coverage and purchase protection.

Cons:

• The $ 95 annual fee is reasonable compared to luxury cars, but it can be negative if you prefer a card with no annual fee.
• The Chase 5/24 rule, an unofficial rule that can affect your ability to get a Chase Card, can prevent you from getting the card if you have opened too many accounts in the last two years.
• The rate of income outside of food and travel purchases is only 1 point per 1. You may want to combine this with other Chase Ultimate Rewards cards for purchases in other categories.

Citi® Double Cash Card – 18 months BT offer

The Citi® Double Cash Card 18 month BT offer is a great option for those who prefer simplicity and want to get a high rate of cashback on all purchases. This card makes it easy to earn and redeem rewards without any complicated bonus categories. Cardholders earn 2% on each purchase when you make a purchase with unlimited 1% cashback as well as an additional 1% when you pay for those purchases. The card is perfect for those who are new to reward cards or looking for a good balance transfer card.

The Citi® Double Cash Card 18 month BT offer does not have a sign up bonus, which may be a plus or minus depending on your situation. The Citi® Double Cash Card – 18-month BT Prefer the ease of presentation.

Pros:

• $ 0 annual fee.
• Introduction of 0% for 18 months on balance transfers, then 14.24% – 24.24% (variable).
• Flexible redemption options include the ability to convert cashback into Citi Thank You points.
• The card offers the same high rate of rewards per purchase.

Cons:

• Lack of concessions and benefits that come with many credit cards for the best credit, such as car rental, travel insurance, and purchase protection.
• The signup bonus means that the short-term value of the card is not as good as some cards.

Blue Cash Preferred® Card from American Express

The American Express Blue Cash Preferred® card is perfect for food lovers, large families, or anyone else who spends a lot of money at the grocery store every month and enjoys big prizes on food purchases. This card includes 6% cashback (again 1%) on purchases up to $ 6,000 per year in US supermarkets, 6% cashback on selected US streaming subscriptions, 3% cashback on US gas stations and transit (including taxis / rideshare) , Parking, tolls, trains, buses and more), 1% cash back on other purchases. Terms apply. A cashback statement is given in the form of credits.

Because the attractive supermarket bonus category only applies to your first سپر 6,000 in US supermarket costs each year, this card can be great for those who want to combine it with another card that includes a supermarket. Bonus category. You can use this card until you reach the annual limit, then switch to another card to purchase your grocery.

Pros:

• Wide 6% cashback on US supermarkets and some streaming services, although these categories have their own limitations (see flaws below).
• Benefits include car rental insurance, purchase protection, and return protection.
• Terms apply.

Cons:                              

• $0 introductory annual fee for the first year, then $95
• The 6% category is limited to your first $6,000 in purchases per year, and after that, you get only 1% back.
• Might not be a great option if your spending doesn’t align with the bonus categories.
• Terms apply.

The Platinum Card® from American Express

American Express’s Platinum Card is a star among luxury cards for great credit. This is great for most travelers and high spenders who want a dignified card with all the privileges and do not mind paying a higher annual fee to avail of these benefits.

Those who get the maximum benefits may find that the card pays many times more despite the higher annual fees. Those who often do not use premium benefits such as access to an airport lounge will have to weigh the costs carefully.

Pros:

• Gets you access to Amex Membership Rewards, with points that can be transferred to 19 airlines and three hotel partners.
• Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
• Access to over 1,300 airport lounges in more than 140 countries, including exclusive Centurion Lounges.
• Fee credit every four years for Global Entry or TSA Precheck.
• Automatic Gold elite status with both the Hilton Honors and Marriott Bonvoy hotel loyalty programs (enrollment required).
• Insurance perks include car rental insurance and trip delay and cancellation coverage.
• Get up to $200 a year savings (up to $15/month, $20 in December) on U.S. Uber rides and U.S. Uber Eats when you add the card to your Uber app.
• Unlike typical credit cards, the card allows you to carry a balance for certain charges, but not all.
• Terms apply.

Cons:

• Too much annual fee $ 695 a year.
• Travel credits (including airline fee credits and Uber credits) come with a number of restrictions that can make them difficult to use.
• Not a good choice for occasional travelers or budget-conscious customers.
• Terms apply.

Chase Sapphire Reserve®

The Chase Sapphire Reserve® Chase Sapphire Preferred® is the luxury sibling of the card. It also offers access to the Chase Ultimate Rewards program and its airline and hotel transfer partners, but the benefits and benefits are enormous.

This card is great for most travelers who want to fly in comfort and style with facilities like access to the airport lounge and travel credit which compensates for the higher annual fees. This card can be one for you if you want a high credit limit credit card that has perks and don’t mind paying a large annual fee because you know you’ll get it back easily.

Pros:

• $ 300 annual travel credit covers higher annual fees.
• Get 5x points on flights and 10x points on hotel and car rentals with Chase Ultimate Rewards®.
• Get 50% more value for your points when you redeem a trip through the Chase Ultimate Rewards portal.
• Access to over 1,000 airport lounges worldwide with free preferential pass select membership.
• Get a $ 100 statement credit every four years for the Global Entry, NEXUS, or TSA pre-check application fee.
• A strong range of insurance coverage covers your auto rental, lost luggage, travel cancellation and delay, purchase protection, and extended warranty.

Cons:

• The higher annual fee has recently reached 550, and there is an additional $ 75 fee for each authorized user.
• The signup bonus is lower than the Chase Sapphire Preferred® card, which has a much lower annual fee.
• You can get the same 3X bonus on meals with Chase’s two free annual fee cards – Chase Freedom Unlimited and Chase Freedom Flex – which makes Chase Sapphire Reserve®’s high annual fee questionable for everyone but often For travelers. .
• The Chase 5/24 rule could potentially prevent you from receiving the card.