If you have excellent credit and are looking for a credit card, there are many rewards programs to choose from. If you travel frequently or need additional coverage for your car, rewards cards with purchase protection are a great option. Concierge services can be a great option to make your travel easier. It's important to check out the benefits of a rewards card before you decide which one to apply for.
Capital One Venture Rewards credit card
Capital One Venture rewards credit card offers you more than average rewards and is the best choice for you if you are looking to get a credit card. This card comes with an annual fee of $95 and offers up to four thousand miles per year, after you spend at least $4,000 a month and make at least two trips a year. You can also redeem your rewards easily and Capital One Venture is expanding its network of transfer partners.
The card also offers travel benefits, including an annual fee credit of $100 toward TSA Precheck or Global Entry every four years. The card also offers a 75,000 mile sign-up bonus, which doubles the card's value within the first year. It is important to note that this bonus is secondary to the other benefits.
American Express Gold Card
The American Express Gold Card for excellent credit is a great option for those who want to earn rewards from everyday spending. The rewards system varies depending on how you use the card and how much you spend each month. Cardholders who spend more per month will find the card an appealing option.
This card has an annual fee of $250. It also requires you to pay this fee when you open the card. You can use it for up to five cards on the same account, but the fee increases to $350 for each additional card. The annual fee must always be paid annually, and it must be paid at the time you open your account.
Citi Simplicity Card
Citi Simplicity Card could be right for you if your credit is excellent. This card comes with a relatively low interest and a 21 month 0% intro period on balance transfer. This card comes with a $5 balance transfer charge, which is lower than the standard balance transfer fee of 5%. However, it is not the best credit card if you value rewards and want to build a good credit history.
Citi Simplicity Card: This card offers 2% cashback. It accepts applications for people with excellent or good credit, and its rewards program is relatively straightforward. It offers 2% cashback on all purchases and there are no earning categories, caps, or rules. As a result, this is the best rewards credit card for those with excellent credit.
Chase Sapphire Preferred(r) Card
The Chase Sapphire Preferred Credit Card is a good choice if you're a frequent traveler. This card offers flexible rewards as well as a generous signup bonus. Earn double points on purchases in hotels, travel services, and airlines. The card also offers a 1-to-1 point transfer ratio with partner hotels and airlines.
Chase Ultimate Reward points are available for redemption to travel and gift card purchases with the Chase Sapphire Preferred Credit Card. Points can be transferred 1:1 to the top airline and hotel partners. Points can be redeemed for credit statements and a 25 percent bonus is available. There are other security features and benefits that the card offers.
J.P. Morgan Reserve Card
You may be eligible to apply for a J.P. Morgan Reserve Card, if you have outstanding credit. You get a variety benefits with this card, including no annual fee and amazing rewards. While the Reserve Card may not be available to all, it is recommended for those with great credit and good financial health.
The Reserve Card, made from palladium and worth $1,400 an troy ounce, is made. Roadside assistance is free of charge and only costs 27 grams. You also get a $300 annual travel credit.