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Fifth Third 1% Cash/Back Card
Fifth Third 1% Cash/Back Card
- 16.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 21 months from account opening date Intro Purchase APR
At a Glance
The Fifth Third 1% Cash/Back Card earns an unlimited amount of cash on every purchase with 0% introductory APR on purchases and balance transfers for a whopping 21 months - all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 1% back on all purchases
- No annual fee
- No foreign transaction fees
- Redeem rewards for statement credits, deposits, or a check
- Enjoy 0% intro APR on purchases and balance transfers for 21 months
- Intro Purchase APR: 0% for 21 months from account opening date
- Regular Purchase APR: 16.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 21 months from account opening date
- Balance Transfer APR: 16.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% 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 cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You live in an area covered by Fifth Third Bank
- You don't want to pay an annual fee or hidden fees
- You have an existing loan balance you want to pay off
Fifth Third 1.67% Cash/Back Card
Fifth Third 1.67% Cash/Back Card
- 20.99 to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99 to 29.99% 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 Fifth Third 1.67% Cash/Back Card earns an unlimited amount of cash on every purchase with no foreign transaction fees or annual fees to worry about.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn an unlimited 1.67% back on all purchases
- No annual fee
- No foreign transaction fees
- Redeem rewards for statement credits, deposits, or a check
- Regular Purchase APR: 20.99 to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99 to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% 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 cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You live in an area covered by Fifth Third Bank
- You don't want to pay an annual fee or hidden fees
- You don't want to bother with a confusing rewards program
Fisher-Price College Savings Mastercard®
Fisher-Price College Savings Mastercard®
- 17.99% to 29.99% variable based on creditworthiness or the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Fisher-Price College Savings Mastercard® lets parents, grandparents, or just about anyone else earn 2% cash back on all their purchases when they funnel rewards into a 529 college savings account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2% back on all purchases when you deposit into a 529 plan
- $50 bonus when you make $250 in purchases in the first three months and deposit rewards into a 529 plan
- No annual fee
- Mastercard $0 Fraud Liability
- Regular Purchase APR: 17.99% to 29.99% variable based on creditworthiness or the Prime Rate
- Intro Balance Transfer APR: N/A
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10.00 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
- Minimum Deposit Required: N/A
- You have a 529 education savings plan for your children
- You plan to use the card for much of your everyday spending
- You plan to spend at least $250 on purchases within the first 3 months
- You don't want to pay an annual fee
TD FlexPay
TD FlexPay
- 18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The TD FlexPay credit card is a balance transfer card with a difference. Beyond a lengthy intro APR on transfers, cardholders have the peace of mind that they can schedule which billing cycle in the future to skip a monthly payment each year with no penalty.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get TD Bank's best balance transfer offer
- Skip a Payment once a year with no penalty
- No annual fee
- No foreign transaction fees
- Visa Platinum credit card benefits and protections
- Regular Purchase APR: 18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% Introductory APR for the first 18 billing cycles
- Balance Transfer APR: 18.99%, 20.99%, 23.99%, 26.99% or 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 18 billing cycles after Account opening referenced in the offer above After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 30.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40, first late payment fee refunded every 12 billing cycles.
- Return Payment Penalty Fee: Up to $39
- Minimum Deposit Required: N/A
- You want a balance transfer credit card that works around your needs
- You can be forgetful and want a card that understands nobody is perfect
- You plan to use the card for foreign trips or vacations
- You don't want to pay an annual fee
TD Clear
TD Clear
At a Glance
The TD Clear Visa Platinum is a credit card with a difference. Instead of paying a variable interest rate on purchases, TD charges no interest at all, instead offering a simple monthly fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- A credit card with no interest, just a simple monthly fee
- No hidden fees, including no balance transfer fees or foreign transaction fees
- Enjoy Visa benefits like cell phone protection, emergency card replacement, and Visa Zero Liability
- Intro Balance Transfer APR: N/A
- Minimum Deposit Required: N/A
- You want a credit card with a simple, straightforward pricing structure
- You aren't interested in rewards - just a great low rate
- You want basic Visa protections like cell phone protection or Zero Fraud Liability
KrowdFit Wellness Rewards Mastercard®
KrowdFit Wellness Rewards Mastercard®
- 20.24% to 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The KrowdFit Wellness Rewards Mastercard® is a rewards credit card that earns up to 4% cash back on wellness purchases and more, with no foreign transaction fees and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 4% cash back on qualifying health, wellness, medical, and lifestyle partners
- 2% cash back on groceries
- 1% cash back on all other purchases
- Free MyFitnessPal or Calm 1-year Premium Membership
- No foreign transaction fees
- No annual fee
- 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 spend a good chunk of change on health and wellness (including medical)
- You want to get rewarded for your healthy lifestyle
- You have an interest in wellness apps like MyFitnessPal or Calm
- You would like cash back for grocery shopping and everyday essentials
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
- 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 28.24% 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 U.S. Bank Business Altitude™ Connect World Elite Mastercard® is a business travel rewards card for that earns up to 5X points on eligible purchases, with no foreign transaction fees and a $0 introductory annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X points on hotel and car rentals booked directly in the Rewards Center
- 4X points on travel, including airfare, hotels, gas, and EV charging stations on the first $150,000 in combined annual spend
- 2X points on dining, takeout, restaurant delivery, and cell phone services and 1 point for all other purchases
- No foreign transaction fees
- Regular Purchase APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Penalty APR: 32.49%
- Annual Fee: $0 for the first year; $95 after that
- Late Payment Penalty Fee: $40
- Return Payment Penalty Fee: $40
- Over Limit Penalty Fee: $40
- Your company spends heavily on travel
- You plan to issue multiple employee cards to maximize rewards
- You want to save on gas, dining, and other everyday categories
- You spend enough on travel to justify the annual fee
Greenlight Family Cash Card
Greenlight Family Cash Card
- 20.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Greenlight Family Cash Card is a cash back credit card that pairs with an active Greenlight app plan. The card earns up to 3% cash back on every purchase, with higher monthly spending earning bigger rewards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Greenlight subscription required
- Earn 3% when you spend $4,000 or more in a billing cycle
- Earn 2% when you spend $1,000 or more in a billing cycle
- Earn 1% when you spend less than $1,000 in a billing cycle
- Regular Purchase APR: 20.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You have kids and already subscribe to a Greenlight program
- You want optional access to an investment portfolio of over 4,000 stocks
- You do't want to pay an annual fee
Choice Privileges® Select Mastercard®
Choice Privileges® Select Mastercard®
- 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99%, 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
At a Glance
The Choice Privileges® Select Mastercard® offers premium rewards, automatic Platinum Elite status, anniversary points bonuses, TSA Precheck credits, and more for a $95 annual fee (which Wells Fargo waives for the first year).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fees
- Automatic Platinum Elite status in Choice Privileges
- $100 TSA Precheck or Global Entry statement credits every four years
- Earn 10X points with Choice Hotels
- Earn 5X points at gas stations, groceries, or home improvement stores
- Earn 1X on all other purchases
- Regular Purchase APR: 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99%, 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 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 cash advance, whichever is greater
- Annual Fee: $95 (waived for the first year)
- Return Payment Penalty Fee: Up to $40
- You travel often and prefer to stay with Choice Hotel brands
- You fly and can benefit from TSA Precheck
- You spend heavily on gas or groceries
Choice Privileges® Mastercard®
Choice Privileges® Mastercard®
- 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99%, 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
At a Glance
The Choice Privileges® Mastercard® offers robust rewards on hotel stays, gas, groceries, and more - with no annual fee or foreign transaction fees. The card also provides automatic Gold Elite status in the Choice Privileges loyalty program.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 60,000 bonus points after spending $1,000 in purchases in the first three months
- Earn 5X points with Choice Hotels
- Earn 3X points at gas stations, groceries, or home improvement stores
- Automatic Gold Elite status
- Regular Purchase APR: 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 5% for each balance transfer, with a minimum of $5
- 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
- Return Payment Penalty Fee: Up to $40
- You travel often and prefer to stay with Choice Hotel brands
- You want basic perks to improve your stays
- You spend heavily on gas or groceries
- You do'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.