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Excellent Credit

 

For consumers with excellent credit, credit card issuers offer low interest rates, generous rewards, and outstanding benefits.  Consumers with excellent credit are highly attractive customers for MasterCard, Visa, American Express and Discover Card issuers.  As an excellent credit consumer, you will have your choice of the best credit card companies have to offer.

 

Discover® More® Card - Balance Transfer Fee*
Discover® More® Card - Balance Transfer Fee*
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  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Discover is ranked #1 in customer loyalty--15 years in row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • 24/7 access to a U.S.-based Account Manager within 60 seconds
  • $0 Fraud Liability plus automatic mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 6 months on purchases* 10.99-20.99% (Fixed)* $0.00* Yes Excellent Credit*
 
Delta Airlines - Gold Delta SkyMiles® Credit Card
Delta Airlines - Gold Delta SkyMiles® Credit Card
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  • Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
  • $0 intro annual fee for the first year, then $95
  • Check your first bag Free - for up to 9 people on your reservation - on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 15.24-19.24% (Variable)* $0.00 1st year, then $95.00* No Excellent Credit*
 
Miles by Discover® Card
Miles by Discover® Card
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  • Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
  • 1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
  • 0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
  • No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
  • Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
  • Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 6 months on purchases* 10.99-16.99% (Variable)* $0.00* Yes Excellent
 
American Express® Premier Rewards Gold Card
American Express® Premier Rewards Gold Card
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  • Membership Rewards® bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
  • Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
  • Exclusive access to Gold Card Destinations and events- Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events
  • Introductory annual fee of $0 for the first year, then $175
  • Get approved in 60-seconds.
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* N/A* $0.00 1st year, then $175.00* No Excellent Credit*
 
American Express® Gold Card
American Express® Gold Card
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  • Earn 10K Membership Rewards® points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership
  • Exclusive access to Gold Card Events- select concerts, shows, major sporting events, and more
  • Purchase Protection covers loss, theft, and damage of eligible items within 90 days of purchase
  • Redeem Membership Rewards® points for an exclusive array of travel, shopping, dining and entertainment rewards.
  • Get approved in 60-seconds.
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* N/A* $0.00 1st year, then $125.00* No Excellent Credit*
 
The Platinum Card® from American Express
The Platinum Card® from American Express
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  • 25,000 Membership Rewards® points when you spend $1,000 during your first three months of Card membership
  • Global Travel benefits: Priority Pass select airport club access, No Foreign Transaction Fees, Global Entry expedited U.S. immigration pass
  • Up to $200 in Airline Fee Credits annually to cover incidental charges on your airline of choice, including checked - baggage fee
  • 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
  • Fine hotels & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* N/A* $450.00* No Excellent Credit*
 
Blue Sky from American ExpressSM
Blue Sky from American Express<sup>SM</sup>
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  • No annual fee
  • Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel- anytime
  • Pay your bill all at once, or over time. It's up to you.
  • Blue Savings Program®: big deals on big brands, all the time
  • Rated "Best Airline Credit Card" by Card Ratings Consumer's Choice Awards in 2010
  • Get approved in 60-seconds
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 12 months on purchases* 17.24-22.24% (Fixed)* $0.00* No Excellent Credit*
 
Blue Cash EverydaySM from American Express
Blue Cash Everyday<sup>SM</sup> from American Express
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  • Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 12 months on purchases* 17.24-22.24% (Variable)* $0.00* No Excellent Credit*
 
Starwood Preferred Guest® Credit Card
Starwood Preferred Guest® Credit Card
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  • Starpoints® Bonus: 10K with your first purchase and another 15K when you spend $5k within 6 months - enough for up to 6 free nights at a category 1 or 2 hotel
  • Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
  • 2011 SmarterTravel® Award for "Best Travel Rewards Card"
  • $0 introductory annual fee for the first year, then $65
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 15.24-19.24% (Fixed)* $0.00 1st year, then $65.00* No Excellent Credit*
 
TrueEarnings® Card from Costco and American Express
TrueEarnings® Card from Costco and American Express
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  • American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 6 months on purchases* 15.24% (Fixed)* $0.00* No Excellent Credit*
 



 

Any time you apply for credit cards, a loan for a car or a mortgage, the lender will do a check on your credit rating scores to determine if your scores are high enough to qualify for credit. Credit scores are anywhere from 300 up to 800 or more, with the most common credit rating scores being in the 600s. Obviously, the lower the number the worse your credit is. The better or higher your scores are, the better the offer you'll get from the lender, whether it's for a loan or credit cards. One of the most common offers made to consumers with excellent credit is 0% introductory APR with balance transfers.
 
When looking at these offers of 0% introductory APR, it's important to read al the terms and conditions that come with these cards. Generally, those that have a high credit score are going to get the 0% introductory APR for a longer period of time. These excellent rates may go anywhere from 30 days to 18 months, with those with excellent credit rating getting the longer terms. A Balance transfer is another option offered with many cards. Balance transfer allow you to take balance off other credit cards and transfer them to the new 0% APR credit card, thus saving money on interest. This is a great way to save money as you're paying off old debts without being charged interest in the process.
 
In addition to a 0% introductory APR, consumers with excellent credit rating are also offered low interest rate after the introductory period is up, allowing you to save more money. Some of these special offers are designed for those that pay their balance in full each month. Along with the low or 0% introductory APR, special offers such as cash back and rebates are often offered. These are great offers for those that use their credit cards for large purchases and pay the balance in full. In addition to not paying interest, they are also getting a percentage of the money they've spent back in the form of cash back or rebates. You'll discover you can save a lot of money when you have high credit scores.

 

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