The following credit cards are for those with excellent credit history. This section features cards that offer low interest rates, great rewards, airline miles, points, and cash back. Most of these cards even have no annual fees. Take time and search through this list of consumer and business credit card offers for excellent credit, and apply for one that best meets your needs!
Credit Cards for People with Excellent Credit History
If you qualify for an excellent credit rating you have worked hard to achieve it. You live within your means, make it a point to pay your bills on time and don’t borrow more than you can repay. That kind of financial self-control pays off when it comes to selecting a credit card; with an excellent credit rating, you’ll find that you have many options.
Banks are eager for your business when you have excellent credit. You’re likely to qualify for credit cards with no annual fee and credit cards that have a very low introductory rates, and/or 0% balance transfer rate. If you carry a balance, you’ll find that your interest rate on the unpaid balance is in the low range.
If you prefer, with excellent credit you can choose cards branded with the names of well-known retailers who provide some special benefits to their card holders, or select cards that offer great rewards on all your purchases.
If you already have excellent credit, you’ll need to keep doing what you’ve been doing to qualify for these credit card deals. If you don’t meet the standards now but like to qualify for such cards in the future, start improving your credit score. Get caught up on any outstanding balances, and make sure to pay your bills on time every month. Check your credit report for any errors that may be dragging down your current credit score. It’s also a good idea to keep your total charges under 30 percent of your credit limit. Banks that issue cards for people with excellent credit are more likely to look favorably upon your application if you aren’t already stretching your monthly income too far.