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Klutch Card
Klutch Card
- 5% to 25% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Klutch Card is a fresh look at the tired, old credit card. Instead of relying on the tried and true features, Klutch offers an ever-increasing number of apps and integrations, which seamlessly link with the card and offer a unique, customized experience. Even better, the Klutch card earns up to 6% cash back on purchases, features no hidden fees, and offers an exceptionally-low APR (for some).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Endless integrations via MiniApps. You can even create your own integrations
- Earn up to 6% cash back on eligible purchases
- Regular Purchase APR: 5% to 25% variable based on creditworthiness and the Prime Rate
- 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 $40
- You don’t want to pay an annual fee
- You enjoy adding integrations and apps to your card – a unique feature not found on any other card
- You understand coding and want to create custom integrations for your shopping and budget needs
REI Co-op® Mastercard®
REI Co-op® Mastercard®
- 18.99%, 25.99%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99%, 25.99%, 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 REI Co-op Mastercard offers outdoor enthusiasts impressive savings, with up to 5% cash back on purchases, a $50 annual credit toward REI Co-op Experiences, and more – for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 5% back on REI purchases
- Earn 1.5% back on all other purchases
- Regular Purchase APR: 18.99%, 25.99%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.99%, 25.99%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that wemay offer you
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
- You frequently shop with REI
- You use mobile wallet apps like Apple Pay, Google Pay, or more
- You want a $100 REI gift card after making the first purchase with this card
- You don’t like annual fees or foreign transaction fees
AT&T Points Plus Card from Citi
AT&T Points Plus Card from Citi
- 20.99% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.99% to 28.99% 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 AT&T Points Plus Card from Citi entices commuters, grocery shoppers, and frequent AT&T customers with up to 3X points earned on purchases with no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $100 statement credit after spending $1,000 in the first 3 months
- $20 statement credit every billing cycle you spend $1,000+ on your AT&T Points Plus Card (that's up to $240 a year!) for AT&T Wireless customers.
- 3X ThankYou Points on gas; 2X points on groceries; 1X on all other purchases
- No annual fee
- Regular Purchase APR: 20.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.99% to 28.99% 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
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of each purchase transaction in US dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You frequently shop at AT&T or use AT&T as a service provider
- You want flexible redeeming options for your accumulated points
- You want to earn rewards when you pay your bill from AT&T
- You don’t want to pay an annual fee
TSC® Visa® Card
TSC® Visa® Card
- 30.74% variable based on the Prime Rate. 3.99% for 36 months for select purchases eligible for a Major Purchase Pla Regular Purchase APR
- 30.74% variable based on the Prime Rate Balance Transfer APR
- 29.99% Cash Advance APR
At a Glance
The TSC Visa credit card is a no-annual-fee retail card issued by Citi, under the Visa network, and co-branded with American retailer, Tractor Supply Co. (TSC). The card earns 5% back in rewards on TSC purchases; 3% back on gas, groceries, and vet services; and 1% on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $50 in Rewards with your first qualifying purchase of $50 or more
- Earn 5% back in Rewards on TSC purchases or enjoy special financing
- Earn 3% back in Rewards at gas stations, grocery stores, and vet purchases
- No annual fee
- Regular Purchase APR: 30.74% variable based on the Prime Rate. 3.99% for 36 months for select purchases eligible for a Major Purchase Pla
- Balance Transfer APR: 30.74% 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%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- You frequently shop at Tractor Supply Co.
- You have pets and spend heavily on their health and daily needs
- You don’t want to pay an annual fee for your credit card
Aspiration Zero Credit Card
Aspiration Zero Credit Card
- 16.40% to 26% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 16.40% to 26% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23% to 26.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Aspiration Zero Mastercard is a fintech credit card that strives for carbon neutrality. Like the Aspiration Debit Card, the Zero offers the chance of cash back rewards and tree planting for every purchase made – for a $60 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Plant a tree with every purchase
- Reach carbon neutral and earn 1% cash back for every purchase in that billing period
- Sustainable card design, made with plant-based materials
- Regular Purchase APR: 16.40% to 26% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 16.40% to 26% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23% to 26.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Annual Fee: $60
- Foreign Transaction Fee: 2% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $10
- Return Payment Penalty Fee: Up to $35
- You are passionate about saving the planet
- You want to plant a tree with every eligible card purchase
- You plan on using this card often for all types of purchases
Amtrak Guest Rewards® Mastercard®
Amtrak Guest Rewards® Mastercard®
- 28.24% variable based on the Prime Rate Regular Purchase APR
- 28.24% variable based on the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
For those who prefer to travel with Amtrak, the Amtrak Guest Rewards® World Mastercard® is a smart piece of plastic to have around, as it rewards cardmembers early and often.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2X points on Amtrak travel, including onboard purchases, and dining
- Earn 1X points on all other purchases
- No annual fee
- Regular Purchase APR: 28.24% variable based on the Prime Rate
- Balance Transfer APR: 28.24% 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: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 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 $35
- You travel often by train
- You frequently make purchases with Amtrak
- You're looking for a travel credit card with no foreign transaction fees
- You wish to earn points through the Amtrak Guest Rewards® program
Amtrak Guest Rewards® Preferred Mastercard®
Amtrak Guest Rewards® Preferred Mastercard®
- 28.24% variable based on the Prime Rate Regular Purchase APR
- 28.24% variable based on the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
At a Glance
For those who prefer to travel with Amtrak, the Amtrak Guest Rewards® Preferred Mastercard® offers high-speed rewards, first-class perks, and more – for a $99 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3 points per $1 spent* on Amtrak travel, including onboard purchases
- Earn 2 points per $1 spent* on dining, travel, transit and rideshare
- 1 point per $1 spent* everywhere else
- Amtrak benefits, including station lounge passes, one-class upgrade certificates, and more
- Regular Purchase APR: 28.24% variable based on the Prime Rate
- Balance Transfer APR: 28.24% 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: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You travel often by train
- You frequently make purchases with Amtrak
- You're looking for a travel credit card with no foreign transaction fees
- You want to earn points through the Amtrak Guest Rewards® program
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rateq Cash Advance APR
At a Glance
The US Bank Shopper Cash Rewards™ Visa Signature® Card provides cardholders with the power of 24 store cards in one for a $95 annual fee. The card earns 6% cash back at two retailers of the cardholder’s choice, with brands including Apple, Kohl’s, Target, Amazon, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 6% cash back at your favorite stores
- Earn 3% cash back on your first $1,500 in eligible purchases on your choice of one everyday category
- Earn 1.5% back on all eligible purchases
- No annual fee for the first year; $95 after that
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.74% to 29.74% 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 Rateq
- Cash Advance Transaction Fee: Either 5% of the amount of each advance or $10 minimum, whichever is greater
- Annual Fee: $0 for the first year; $95 thereafter
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You spend heavily with several retail brands
- You don’t want multiple store cards to keep track of
- You can justify the card's $95 annual fee and get plenty of value out of it
Ink Business Premier® Credit Card
Ink Business Premier® Credit Card
- Flex for Business variable APR: 19.49% to 27.49% Regular Purchase APR
At a Glance
The Chase Ink Business Premier Credit Card is a premium business card that earns up to 2.5% cash back on purchases of $5,000+ and 2% back on all other purchases. The card operates either as pay-in-full, or pay-over-time, thanks to Flex for Business.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- Get the buying power you need to make large purchases, cover monthly expenses and help your business grow. While you must pay your Pay In Full balance each month, this card has built-in flexibility. The Flex for Business feature allows for qualifying purchases to be paid over time with interest.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
- Regular Purchase APR: Flex for Business variable APR: 19.49% to 27.49%
- Annual Fee: $195
- Late Payment Penalty Fee: $40 or 2% of the Minimum Payment Due, whichever is greater
- You own a medium-sized business with cash reserves
- You make frequent large purchases of $5,000 or more
- You want to earn cash back from your business expenses
- You manage employees who will use their own issued cards
Marriott Bonvoy Bevy™ American Express
Marriott Bonvoy Bevy™ American Express
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Bevy™ American Express Credit Card earns big rewards but has a hefty price tag. The card earns up to 18.5X on Marriott stays 4X on US dining and groceries, and 2X on everything else but charges a $250 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 125,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Plus, earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24. Offer ends 8/9/2023.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
- Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
- Earn 2X points on all other eligible purchases.
- 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
- With complimentary Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
- Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a participating hotel. Certain hotels have resort fees.
- 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
- $250 Annual Fee.
- Terms apply.
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- 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: 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 U.S. dining purchases
- You don't want to pay foreign transaction fees
- You already have another Amex credit card or prefer the Amex payment network
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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.