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Casey's Visa Signature® Card
Casey's Visa Signature® Card
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.49% variable based on the Prime Rate Cash Advance APR
At a Glance
Save money at the pump and pay no annual fees with the Casey’s Visa Signature® Card. Issued by UMB Bank, the card provides 2% cash back on Casey’s purchases every day, with rewards automatically redeemed as Casey’s gift cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Save up to 10 cents per gallon for the first 60 days
- Earn 4% on purchases at Casey's and 2% on all other purchases for first 60 days
- Earn 2% on purchases at Casey's locations and 1% on all other purchases
- Receive a Casey's Gift Card when you accumulate $20 in rebates
- Regular Purchase APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of the transfer or $15, whichever is greater
- Cash Advance APR: 31.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 3% of the amount of the advance or $15, whichever is greater$50 maximum
- Foreign Transaction Fee: 2% of the transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You frequently purchase gasoline from Casey’s
- You have a small existing credit card balance they want to pay down
- You don’t like confusing award options
- You don’t want to pay an annual fee
The Owner's Rewards Card by M1
The Owner's Rewards Card by M1
- 20.24% to 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Owner’s Rewards Card by M1 is a fintech credit card that offers cardmembers the chance to earn cash back – up to 10% for M1 Plus members and 1.5% for all other cardholders – on purchases with brands including Chewy, Spotify, Netflix, Tesla, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn cash back on everyday purchases with the Owner's Rewards Card by M1. Then, reinvest your rewards for long-term growth.
- Get a baseline of 1.5% cash back on everyday purchases, and unlock higher rewards tiers of 2.5%, 5%, and 10% cash back with M1 Plus.
- Use M1 automation to easily reinvest your rewards for long-term impact.
- Integrate even more of your financial life in one place, while M1 helps you grow your wealth with everyday transactions.
- Visa Signature® benefits including Zero Liability, exclusive experiences, and more.
- The credit card for investors is here. Invest when you spend and build your wealth with everyday transactions.
- There is no annual fee.
- Your first three months of M1 Plus is free.* Get exclusive features and discounts to help you build your wealth.
- Regular Purchase APR: 20.24% to 30.24% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
- You already have an M1 Plus account
- You regularly invest and want a credit card that can build your wealth with everyday transactions
- You shop at several leading brands that can earn you up to 10% cash back when you use the Owner’s Reward Card by M1
First Bank Business Edition® Mastercard® with Reward Simplicity
First Bank Business Edition® Mastercard® with Reward Simplicity
- 17.99% to 23.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 23.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The First Bank Business Edition® Mastercard® with Reward Simplicity provides solid cash back, a quality 0% APR period on both purchases and balance transfers, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn unlimited 1.5% Cash Back rewards on every purchase
- 0% Intro APR for the first 12 months on purchases and balance transfers
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 17.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 17.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greateR
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction in U.S. dollars
- Return Payment Penalty Fee: $35
- Over Limit Penalty Fee: $39
- You already bank with First Bank
- You plan to issue multiple employee cards
- You plan on making full use of the lengthy intro APR periods
- You do't want to pay an annual fee
Aeroplan® Credit Card
Aeroplan® Credit Card
- 21.74% to 28.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.74% to 28.74% 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 Aeroplan® Credit Card from Chase offers quite a lot of value for its $95 annual fee. The card comes with a lucrative sign-up bonus, monthly spending bonuses (up to 1,500 extra points), and 3X points on purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 100,000 points - that's $825 in travel value when redeemed with Pay Yourself Back®
- $95 Annual Fee
- Earn 75,000 points after you spend $4,000 on purchases in the first three months your account is open. Plus, an additional 25,000 Aeroplan points after spending $20,000 total in the first 12 months from account opening
- Earn 3x points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly.
- No foreign transaction fees.
- Free first checked bag.
- 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
- Earn 1x point for each dollar spent on all other purchases.
- Member FDIC
- Regular Purchase APR: 21.74% to 28.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.74% to 28.74% 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: $95
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You are Canadian and live in the U.S.
- You frequently travel on Air Canada or another Star Alliance Partner
- You plan to frequently use this card for both everyday and exceptional purchases
- You want lucrative reward points with plenty of redemption options
First Bank Maximum Rewards® World Mastercard®
First Bank Maximum Rewards® World Mastercard®
- 19.99% to 25.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% to 25.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The First Bank Maximum Rewards® World Mastercard® provides unlimited 1.5% cash back, a $30 cash back welcome bonus, and two lengthy 0% APR periods – all for no annual fee. The card from First Bank is available to customers in Missouri, California, Illinois, and Kansas.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Unlimited 1.5% cash back on every purchase
- 0% Intro APR for the first 12 months on purchases and balance transfers
- Redeem points for cash, travel, and more
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 19.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months
- Balance Transfer APR: 19.99% to 25.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You want a simple cash back rewards credit card
- You have a balance you want to pay down over the course of a year
- You don’t want to pay an annual fee
Birch Lane Mastercard
Birch Lane Mastercard
- 31.99% variable based on the Prime Rate Regular Purchase APR
- 31.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Birch Lane Mastercard® provides the ideal tool for costly design projects, thanks to up to 5% back on purchases with all five Wayfair websites, special 0% APR financing on eligible Wayfair purchases, and more – all for $0 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in Rewards at Wayfair brands
- 3% back at grocery stores
- 2% back on online purchase outside of Wayfair brands
- 1% back on all other purchases
- No interest financing if paid in full up to 24 months on qualifying orders
- No annual fee
- Regular Purchase APR: 31.99% variable based on the Prime Rate
- Balance Transfer APR: 31.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 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 advance, whichever is greater
- Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
- You frequently shop at Birch Lane or other Wayfair brands
- You want to earn 5% back on Wayfair purchases, 3% back on groceries, and 2% back online
- You prefer access to special financing for larger purchases over 5% back
- You don’t want to pay an annual fee
AllModern Mastercard®
AllModern Mastercard®
- 31.99% variable based on the Prime Rate Regular Purchase APR
- 31.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The AllModern Mastercard® provides the ideal tool for making design improvements, thanks to up to 5% back on purchases with all five Wayfair family websites, special 0% APR financing on eligible purchases, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in Rewards at Wayfair brands, including AllModern
- 3% back at grocery stores
- 2% back on online purchase outside of Wayfair brands
- 1% back on all other purchases
- No interest financing if paid in full up to 24 months on qualifying orders
- No annual fee
- Regular Purchase APR: 31.99% variable based on the Prime Rate
- Balance Transfer APR: 31.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 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 advance, whichever is greater
- Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
- You frequently shop at AllModern or other Wayfair brands
- You want access to special financing for larger purchases
- You want to earn 5% back on Wayfair purchases and 2% back online
- You do't want to pay an annual fee
Wayfair Mastercard®
Wayfair Mastercard®
- 31.99% variable based on the Prime Rate Regular Purchase APR
- 31.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Wayfair Mastercard® provides design-inspired up to 5% cash back on purchases with all five Wayfair family websites, special 0% APR financing on eligible purchases, and more – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in Rewards at Wayfair
- 3% back at grocery stores
- 2% back on online purchases outside of Wayfair brands
- No interest financing if paid in full up to 24 months on qualifying orders
- No annual fee
- Regular Purchase APR: 31.99% variable based on the Prime Rate
- Balance Transfer APR: 31.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 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 advance, whichever is greater
- Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
- You're planning a renovation or interior design project
- You want a rewards card where rewards apply to one brand
- You don’t want to pay an annual fee
NYUAA Customized Cash Rewards Credit Card
NYUAA Customized Cash Rewards Credit Card
- 18.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 18.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 21.24% to 30.24% variable based on the Prime Rate Cash Advance APR
- 0% for 18 months following the opening of your account Intro Purchase APR
At a Glance
The NYU Alumni Association (NYUAA) Customized Cash Rewards Credit Card is a cash back credit card that lets NYU alumni show their pride anywhere they pay with Visa. The card, from Bank of America, features up to 3% cash back on the category of the cardholder’s choosing, plus 2% back on wholesale clubs and groceries, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 3% cash back in the category of your choice, like online shopping
- Earn 2% cash back at grocery stores and wholesale clubs
- Earn 1% cash back on all other purchases
- Intro Purchase APR: 0% for 18 months following the opening of your account
- Regular Purchase APR: 18.24% to 28.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months on transfers made within 60 days from opening your account
- Balance Transfer APR: 18.24% to 28.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Cash Advance APR: 21.24% to 30.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transactio
- Late Payment Penalty Fee: Up to $40
- You want the ability to choose your bonus cash back categories
- You spend heavily on groceries
- You already bank with Bank of America
- You're an NYU alumnus
The Platinum Card® from American Express Exclusively for Morgan Stanley
The Platinum Card® from American Express Exclusively for Morgan Stanley
- See Pay Over Time APR Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Luxury is always within reach when you use Platinum Card® from American Express Exclusively for Morgan Stanley brokerage customers. This exclusive version of the impressive rewards card offers premium travel rewards and a host of additional perks for the savvy voyager. Uber Cash and complimentary lounge access are just a few of the more practical perks that lend ongoing value to Morgan Stanley customers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
- $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more when you select one qualifying airline
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required
- Access to the American Express Global Lounge Collection
- VIP status and $200 Uber savings on rides or eats orders in the US annually
- Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
- Complimentary membership in premium car rental programs
- $240 Digital Entertainment statement credit
- $175 CLEAR statement credit
- $300 Equinox Statement credit
- Terms Apply.
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: See Rates & Fees
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You have a Morgan Stanley brokerage account
- You want to issue an authorized user a Platinum Card
- You travel often and can take advantage of a myriad of benefits including access to airport lounges and Uber credits
- You intend to sign up for Global Entry or TSA Pre?®
- You prefer airline flexibility when redeeming points for travel
- You're likely spend $6,000 within the first six months of being a cardmember
- You will take advantage of exclusive events and experiences available only to Platinum cardholders
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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.