Best Credit Cards
If you have excellent credit meaning 750 or higher than you should pat yourself on the back and apply for the best credit card you can get. The best credit card will have benefits like extended balance transfer periods, low introductory APR interest rates, and great bonuses and rewards. These bonuses can include cash back bonuses, reward programs and other benefits.
Blue Cash Everyday American Express Card
One very respected card available to individuals with excellent credit worthiness is the Blue Cash Everyday(SM)from American Express. The card comes with a 0% introductory APR for your purchases for the first year. The Cash Everyday part of the card means that you get cash back when you purchase items with your card. This includes 3% cash back when you use the card at the grocery store and 2% cashback when used at department stores and service stations. For everything else you get 1% cashback on purchases.
American Express Blue Cash Everyday
No limit on cash rewards
With this credit card there is no limit on the cash rewards program and no spending minimum to get your rewards. The program is very simple with no enrollment fees, and no rotating rewards categories.
Referral bonus
The American Express Cash Everyday card also pays out on referrals. For each person you refer to the Blue Cash Everyday card that signs up you get a bonus of $25.00. The card has no annual fee – something you should always look for when signing up for a new credit card.
American Express Premier Rewards Gold Card
American Express Premier Rewards Gold Card
Another option if you have great credit is the American Express Premier Rewards Gold Card. With this card you get great bonuses but you do have to pay off your balance in full every month.
Membership bonus points
In the first three months of use if you spend $500 you earn 10,000 Membership Rewards bonus points. These bonus points can earn you $100 gift cards. You also earn points with every purchase you make using the card. These points do not expire and there is no limit to the point program. The points can be used for traveling or dining or shopping. Also included with your holding this card is the American Express Global Assist Hotline in conjunction with the Roadside Assistance 24/7 program. Any cars rented with the card are covered by the company’s Car Rental Loss and Damage Insurance. This card does come with an annual fee of $125.
Visa Black Card
Visa Black Card
The Visa Black Card is another choice for consumers with great credit. The card is targeted and designed for individuals who spend more than $50,000 annually with their card. This card comes with a hefty $495 annual fee. If you qualify for this card the annual fee probably won’t be a problem.
24 hour concierge service
What you get for the fee is a 24 hour seven day a week concierge service with which you can get recommendations for restaurants, make reservations for restaurants, hotels, golf, and travel assistance, specialty research and shopping. Basically, you have a concierge at your beck and call 24 seven. You also qualify for what they refer to as luxury gifts. Only one percent of the population of the United States qualifies for this card according to Visa. There is a 1% cashback program and a points program that can be used for travel. You also get access to airport VIP lounges with a Priority Pass.
Note: details of these credit card programs may change from the information printed here.