Best Credit Cards for Great Credit
Having a great credit score is a testament to your financial responsibility and discipline. It opens up a world of opportunities, including access to the best credit cards that offer rewards, cash back, and other benefits. If you have a great credit score, you’re in a prime position to take advantage of these top credit cards. Here’s a rundown of some of the best credit cards for great credit.
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a popular choice among cardholders with great credit. It offers a generous sign-up bonus, 2X points on travel and dining expenses, and 1X points on all other purchases. Points can be transferred to various airline and hotel partners, providing flexibility and value. Additionally, the card includes no foreign transaction fees and a $300 annual travel credit.
2. American Express Platinum Card®
The American Express Platinum Card® is another top pick for those with great credit. It boasts a comprehensive travel benefits package, including access to airport lounges, a $200 airline fee credit, and a $100 credit for Global Entry or TSA PreCheck. The card also offers 5X points on flights booked directly with airlines or through American Express Travel, and 1X points on all other purchases. However, it comes with a $550 annual fee, which is often offset by the value of the benefits.
3. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is an excellent choice for those who want a straightforward cash back credit card. It offers a flat rate of 2% cash back on all purchases, with no annual fee. The card also provides a sign-up bonus of $200 after spending $500 within the first three months. While it doesn’t offer the same level of rewards as some other cards, its simplicity and cash back rate make it a great option for those who prefer a no-frills approach.
4. Citi Double Cash Card
The Citi Double Cash Card is another solid choice for those with great credit. It offers a unique cash back structure: 1% cash back on every purchase, and an additional 1% cash back when you pay your balance in full each month. There’s no annual fee, and the card comes with a sign-up bonus of $100 after spending $500 within the first three months. This card is perfect for those who want to maximize cash back on all their purchases without any complicated reward structures.
5. Bank of America Premium Rewards® Credit Card
The Bank of America Premium Rewards® Credit Card is designed for those who want to earn rewards on a variety of spending categories. It offers a sign-up bonus of 50,000 points after spending $3,000 in the first 90 days, along with a flat rate of 2X points on travel, dining, and entertainment, and 1X points on all other purchases. The card also includes a $100 statement credit for Global Entry or TSA PreCheck. However, it comes with a $95 annual fee, which may be worth it for frequent travelers.
Choosing the best credit card for great credit depends on your individual spending habits and financial goals. Consider the rewards structure, annual fees, and additional benefits when making your decision. With a great credit score, you have a wide range of options to choose from, so take the time to find the card that best suits your needs.
