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Marriott Bonvoy Bountiful Card
Marriott Bonvoy Bountiful Card
- 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Bountiful Credit Card earns big rewards but has a bigger price tag. The card earns up to 18.5X on Marriott stays, 4X on dining and groceries, and 2X on everything else but charges a $250 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 18.5X total points for every $1 spent at hotels participating in Marriott Bonvoy
- Earn 4X points per $1 on the first $15,000 spent in combined purchases each year on grocery stores and dining
- Earn 2X points per $1 spent on all other purchases
- 1,000 Bonus Points per each stay at a hotel participating in Marriott Bonvoy
- Receive 15 Elite Night Credits per calendar year and automatic Gold Elite status each account anniversary year as a cardmember
- Regular Purchase APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You plan to stay at Marriott properties often
- You spend heavily on groceries and dining purchases
- You don't want to pay foreign transaction fees
Ramp Card
Ramp Card
- See Terms Regular Purchase APR
At a Glance
The Ramp Card is a corporate charge card that provides businesses far more than just purchasing power and cash back rewards. Companies enjoy access to up to 20X more capital, extended payment terms, and unparalleled software integrations to streamline finances – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5% cash back on every purchase
- No fees – including foreign transaction, setup, or replacement fees
- Use to shop at any retailer worldwide that accepts Visa cards
- Add virtual cards to your Apple Wallet or Google Pay
- Block or restrict spending to a specific vendor – for either a specific card or your entire company
- Regular Purchase APR: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You want a charge card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You plan to issue multiple employee cards
- You have at least $75,000 in your primary business bank account
- You spend at least $10,000 per month on your cards
The Gemini Credit Card™
The Gemini Credit Card™
- 17.99% to 29.99% (Variable) Regular Purchase APR
- 30.99% (Variable) Cash Advance APR
At a Glance
The Gemini Credit Card earns up to 3% back in crypto rewards, with rewards automatically applied to the cardholder’s account. Even better, they can trade and sell their cash back credit card rewards to over 60 different assets – with no annual fee or hidden fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn crypto rewards on every purchase with the new Gemini Credit Card™
- Earn rewards in 60+ cryptos on every purchase with the new Gemini Credit Card™
- Watch the crypto you earn land in your Gemini account the instant you swipe, not a month later
- Get up to 3% crypto back* on every purchase with the new Gemini Credit Card™
- A Gemini Mastercard®. Issued by WebBank
- *Terms Apply
- Regular Purchase APR: 17.99% to 29.99% (Variable)
- Cash Advance APR: 30.99% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 34.99% (Variable)
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $35
- You prefer to earn credit card rewards as cryptocurrency
- You want to choose from over 60 different crypto assets
- You plan to spend heavily on groceries and dining
- You do't want to pay an annual fee
Wells Fargo Autograph Card
Wells Fargo Autograph Card
- 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
Cardholders can earn up to 3X points on everyday purchases with the Wells Fargo AutographSM Card. The card, which features no annual fee and a year-long 0% intro APR period on purchases, earns 3X points on broad categories, including gas, transit, dining, streaming, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 3X points on dining, travel, gas, transit, streaming, and phone plans
- Earn 1X points on all other purchases
- 0% intro APR for 12 months on purchases
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of the transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You already bank with Wells Fargo
- You want a lucrative credit card without rotating categories
- You don’t want to pay an annual fee
LATAM Airlines World Elite Mastercard
LATAM Airlines World Elite Mastercard
- 21.24% to 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The LATAM Airlines World Elite Mastercard hits many of the right notes thanks to an impressive welcome bonus, no hidden fees, and up to 4X miles on purchases. The card also benefits from lounge access, complimentary upgrades, and more – for a $99 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fees
- Earn 40,000 miles after spending $2,500 in purchases in the first three months
- Earn 4X miles on LATAM purchases
- Earn 3X miles on dining, plus rideshares, taxis, and public transit
- Earn 1X miles on all other purchases
- Two complimentary LATAM lounge passes each year
- Earn three complimentary upgrades after you pay your $99 annual fee every year
- Regular Purchase APR: 21.24% to 31.24% variable based on creditworthiness and the Prime Rate
- Annual Fee: $99
- You travel to South America often
- You prefer to fly with LATAM Airlines
- You want access to premium perks like airport lounges and upgrades
- You plan to spend at least $2,500 in the first three months
LATAM Airlines Mastercard
LATAM Airlines Mastercard
- 21.24% to 31.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The LATAM Airlines Mastercard is an airline rewards credit card that can help supercharge your way towards a South American getaway. The card offers up to 3X miles on purchases, no hidden fees, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 15,000 miles after spending $1,000 in purchases in the first three months
- Earn 3X miles on LATAM purchases
- Earn 2X miles on dining, plus rideshares, taxis, and public transit
- Earn 1X miles on all other purchases
- Regular Purchase APR: 21.24% to 31.24% variable based on creditworthiness and the Prime Rate
- You travel to South America often
- You prefer to fly with LATAM Airlines
- You don’t want to pay an annual fee
Gap Good Rewards Mastercard®
Gap Good Rewards Mastercard®
- 31.24% variable based on the Prime Rate Regular Purchase APR
- 31.24% variable based on the Prime Rate Balance Transfer APR
- 32.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Gap Good Rewards Mastercard® offers cardholders five points for every dollar they spend at Gap Inc. brands. With this card, you can also rack up one point for every dollar you spend on other purchases. Additionally, new cardholders get 20% off and free shipping on their first purchase with this card. And you can easily upgrade to Silver status for even more perks.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X points for every dollar spent at Gap and Gap Inc. brands (Old Navy, Banana Republic, Hill City, and Athleta)
- Earn 1x points for every dollar spent on all other purchases
- No annual fee
- Regular Purchase APR: 31.24% variable based on the Prime Rate
- Balance Transfer APR: 31.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 32.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You regularly Shop at Gap or Gap Inc. brands (Banana Republic, Old Navy, Athleta, and Hill City)
- You want to earn 5x points on Gap Inc. purchases and 1x points on all other purchases
- You don’t want to pay an annual fee
Navyist Rewards Mastercard®
Navyist Rewards Mastercard®
- 31.24% variable based on the Prime Rate Regular Purchase APR
- 31.24% variable based on the Prime Rate Balance Transfer APR
- 32.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Navyist Rewards Mastercard® provides earns cardholders five points for every dollar they spend at Gap Inc. brands. Cardholders also earn one point for every dollar spent on other purchases. You can upgrade to Navyist status and earn all sorts of extra perks when you earn 5,000 points in a calendar year. Moreover, there is no fee for this credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X points for every dollar spent at Gap and Gap Inc. brands (Old Navy, Banana Republic, Hill City, and Athleta)
- Earn 1x points for every dollar spent on all other purchases
- No annual fee
- Regular Purchase APR: 31.24% variable based on the Prime Rate
- Balance Transfer APR: 31.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 32.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars.
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You don’t want to pay an annual fee
- You frequently shop at Old Navy and other Gap Inc. Brands (Gap, Banana Republic, Athleta, and Hill City)
- You want to earn rewards you can redeem for discounts off Old Navy and other Gap Inc. merchandise
- You plant to earn at least 5,000 points within a calendar year
Athleta Rewards Mastercard®
Athleta Rewards Mastercard®
- 31.24% variable based on the Prime Rate Regular Purchase APR
- 31.24% variable based on the Prime Rate Balance Transfer APR
- 32.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Athleta Rewards Mastercard® rewards cardholders with rewards points for all their purchases. Cardholders earn more rewards for purchases made at Athleta and other Gap Inc. brands. This card has no annual fee and includes a bunch of other appealing perks.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X points per dollar spent at Gap Inc. brands
- No annual fee
- Enjoy member-only exclusive offers
- Regular Purchase APR: 31.24% variable based on the Prime Rate
- Balance Transfer APR: 31.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 32.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars.
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You are a frequent Athleta shopper
- You also often shop at Gap Inc. stores (Gap, Old Navy, Banana Republic, and Hill City)
- You want to earn 5x rewards points on Athleta purchases and 1x points on all other purchases
- You do't want to pay an annual fee
Banana Republic Rewards Mastercard®
Banana Republic Rewards Mastercard®
- 31.24% variable based on the Prime Rate Regular Purchase APR
- 31.24% variable based on the Prime Rate Balance Transfer APR
- 32.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The Banana Republic Rewards Mastercard® card offers five rewards points for every dollar spent at Banana Republic and other Gap Inc. brands. New Cardholders also receive a 20% discount on their first purchase.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X points per dollar spent at Banana Republic and Gap Inc. brands
- Earn 5X points per dollar spent at Banana Republic and Gap Inc. brands
- No annual fee
- Enjoy member-only exclusive offers
- Regular Purchase APR: 31.24% variable based on the Prime Rate
- Balance Transfer APR: 31.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 32.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars.
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- Love shopping at the Banana Republic and other Gap Inc. Brands (Gap, Old Navy, Athleta, Hill City)
- Want the flexibility of earning and using rewards points at multiple retailers
- Don’t want to pay an annual fee
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What Is an Excellent Credit Score?
The definition of an “excellent” credit score can vary depending on the scoring model used. The two most popular scoring models, FICO and VantageScore, use slightly different calculations to determine what constitutes a good score and what is considered excellent.
What’s an Excellent FICO Score?
FICO is the most widely used credit scoring model by banks. It assigns scores on a range from 350 to 850, with anything above 800 considered “excellent.”
What’s an Excellent VantageScore?
VantageScore, although less popular than FICO, is also used to assess the creditworthiness and reliability of potential applicants. The three major credit bureaus developed it: Equifax, Experian, and TransUnion. VantageScore assigns scores ranging from 300 to 850, with scores over 781 being deemed “excellent.”
What are the Benefits of Having Excellent Credit?
Having an excellent credit score opens up a world of opportunities. It demonstrates to lenders that you are a responsible borrower and will likely repay your debts on time. With a high credit score, you can qualify for lower interest rates on loans, credit cards with better rewards and benefits, and even better insurance rates.
Also, a good credit score can make renting an apartment, getting a job, or even starting your own business easier. It is an essential financial tool that can significantly impact various aspects of your life.
Here are a few other benefits of having excellent credit:
Lower Interest Rates
Good and excellent credit can secure the best interest rates on credit cards and other loans. Individuals with excellent credit usually receive APRs around 4% lower than those with good credit and approximately 12% lower than applicants with fair credit. They may also qualify for lower balance transfer fees or no foreign transaction fees.
Rewards
Excellent credit often translates to better card offers with enhanced rewards in the form of cash back, points, or miles. The value of these rewards varies depending on the issuer, so it’s important to carefully review the terms and conditions of the rewards program before applying for a credit card to understand how points are earned and redeemed.
Credit Limits
A prime or super prime credit score can lead to approval for higher credit limits compared to individuals with average or poor credit. This advantage extends to other credit products such as auto loans, mortgages, and personal loans.
Perks
The best credit cards and charge cards for individuals with excellent credit come with exceptional perks. Luxury credit cards often offer travel benefits that surpass their annual fees, including hotel upgrades, dedicated concierge services, lounge access, Global Entry or TSA statement credits, and more.
How to Get an Excellent Credit Score
Getting the best credit scores requires patience and hard work. An excellent credit score doesn’t happen overnight. Instead, it takes years of good financial habits. The easiest way to build an excellent credit score is to follow these three simple steps:
① Check and review your credit reports | Ⓐ Check your credit reports from all three of the nationwide consumer reporting agencies: Equifax, Experian, and TransUnion. |
Ⓑ Check for negative credit information, like potential fraud or ID theft, accounts in collection, or unpaid balances. | |
② Pay your bills on time | Ⓐ Automatic payments are a great way to avoid accidentally missing a payment. |
Ⓑ Splitting monthly payments into two smaller payments can help stretch budgets while ensuring you pay on time. | |
③ Keep credit use low | Ⓐ Credit utilization accounts for roughly 30% of your credit score, so aim to keep credit use as low as possible. |
Ⓑ Consider a balance transfer credit card if your credit use is creeping up and you want to consolidate that debt into one new account, typically at 0% Intro APR. | |
④ Limit new applications | Limit any new credit applications to only what is essential (i.e. if applying for a balance transfer credit card). |
⑤ Keep old accounts open | Don’t close any old, unused accounts. Closing accounts can lower your average credit utilization. |
Based on the information above, paying your bills on time is critical. Payment history is the most important factor in determining your credit score, making up over a third of your FICO Score. Try setting up bi-weekly payments so you can keep your credit use low.
Your credit utilization is how much you use compared to the available amount. Always try to keep your credit utilization below 30% of your available credit limit, though if you want to achieve excellent credit, it is better to aim for 10% overall credit use – or less.
How Long Does It Take to Achieve an Excellent Credit Score?
Building an excellent credit score takes time and consistency. There is no fixed timeline, as it varies depending on individual circumstances. However, with dedication and responsible financial habits, you can see improvements in your credit score within a few months to a year. Remember, your credit score reflects your financial behavior over time, so patience and persistence are key.
Tips for Maintaining an Excellent Credit Score
Once you have achieved an excellent credit score, it is essential to maintain it. Here are some tips to help you maintain your creditworthiness:
- Continue paying bills on time: Consistently paying your bills on time is crucial in maintaining an excellent credit score. Set up reminders or automatic payments to ensure you never miss a payment.
- Avoid unnecessary debt: While taking on additional debt, such as unnecessary loans or credit cards may be tempting, it is important to be mindful of your borrowing habits. Only take on debt that you can comfortably manage and repay.
- Monitor your credit: Monitor your credit score and credit report closely to identify any changes or errors promptly. This will allow you to take appropriate action if needed.
Conclusion
Achieving and maintaining excellent credit scores requires discipline, responsible financial habits, and patience. You can enjoy the benefits of excellent credit by understanding the factors that influence your credit score, regularly checking your credit report, and taking steps to improve and maintain a good credit score. Remember, good credit opens doors to better financial opportunities and helps you achieve your personal and financial goals.
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Excellent Credit Cards
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.