Credit Cards » Compare Credit Cards » Best Credit Cards for Excellent Credit in 2021
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Best Credit Cards for Excellent Credit in 2021

With excellent credit scores, you can choose almosy any card you want. Here are our best cards for excellent credit

Some products that appear here are from companies from which this website receives compensation. This may impact how and where products appear on this site (including, for example, the order in which they appear). It doesn’t affect our editors’ opinions. our opinions are our own.

When you've put in the hard work to make sure your credit score is as high as possible you deserve to get a credit card that rewards you for the effort. 

In this article, we'll look at what excellent credit is, how to develop excellent credit, and the benefits of cards designed for people with excellent credit scores. We'll also talk about what you should look for in a good credit card for your excellent credit score.

First, let's start with The Smart Investor Select’s picks for the best credit cards for excellent credit in 2021:

Chase Freedom Unlimited

Chase Freedom Unlimited review

On Chase Secure Website

Chase Freedom Unlimited

Reward details

1.5% cash back

Current Offer

$200 bonus plus 5% cash back grocery store

Credit Rating

Fair

Annual Fee

$0

0% Intro

0% Intro APR for the first 15 months that your Account is open.

APR

14.99% – 23.74%
  • Overview
  • Card Features
  • Pros & Cons

The chase freedom unlimited provides an enthralling combination of lavish rewards, including a 5% cashback on travel purchased through the card, 1.5% on other purchases and 3% on dining, including drugstores and takeout. They also offer a higher sign-up bonus than what most cashback cards offer, with a zero-annual fee and a flexible redemption option.

Chase Freedom Unlimited is the best for you if you are looking for a card with enthralling rewards. The Chase Freedom Unlimited gives users five options for claiming your hard-earned rewards and offers a $200 cashback after you have spent $500 within the first three months of using the card. In 2019, chase ranked 4th in the J.D. Power credit card customer satisfaction study.

  • APR: 14.99% - 23.74%
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5%
  • Foreign Transaction Fee: 3%
  • Rewards Plan: 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
  • Sign Up bonus: $200 bonus after you spend $500 on purchases in the first 3 months from account opening + 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year
  • 0% APR Introductory Rate period: 0% Intro APR for the first 15 months that your Account is open.
  • 1.5% Cash Back
  • $200 Sign Up Bonus
  • 0% APR on Balance Transfers & Purchases
  • No Annual Fee
  • Protection & Free Credit Score
  • No Bonus Rewards
  • Balance Transfer Fee
  • Foreign Transaction Fee
  • High APR

Costco Anywhere Visa

Citi-costco-anywhere-visa-credit-card review

On Citi one Secure Website

Costco Anywhere Visa

Reward details

1-4% cash back

Current Offer

No Sign Up bonus

Credit Rating

Good – Excellent

Annual Fee

None ( $60 Costco membership fee)

0% Intro

None

APR

15.24%
  • Overview
  • Card Features
  • Pros & Cons

This card is an amazing choice for regular Costco shoppers who want to earn a highly competitive cashback rewards on travel, dining and gas. Costco Anywhere Card does not charge any fee on foreign transactions and does not charge any annual fee. The card offers a huge 4% cashback on gas purchases, 3% cashback on eligible restaurant and travel as well as a 2% cashback on purchases at the Costco store and a 1% cashback on all your purchases.

To enjoy all these benefits, all you need to do is pay your annual Costco membership fee to maintain your card account. Some of the limitations attached to this card usage include; limited cashback redemption option and a cap on gas rewards.

 
  • Rewards Plan: 4% cash back on gas purchases (both at Costco and other gas stations) on up to $7,000 of spending a year, then 1% back + 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
  • APR: 15.24%
  • Annual fee: None ( $60 Costco membership fee)
  • Balance Transfer Fee: 3% or 5$
  • Foreign Transaction Fee: None
  • Sign Up bonus: None
  • 0% APR Introductory Rate period: None
  • Cashback on Costco, Gas, Restaurants and Travel and Other Spending
  • No Annual Fee
  • No Foreign Transaction Fee
  • Extended Manufacturer Warranty, Travel Perks
  • Redemption Restrictions
  • No Sign-Up Bonus or 0% APR Introductory Rate
  • There are Better Cashback Cards
  • High APR

U.S. Bank Visa Platinum

USBank-Visa platinum card review

On US Bank Secure Website

U.S. Bank Visa Platinum

Reward details

None

Current Offer

None

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

0% introductory APR on purchases for 20 billing cycles

APR

13.99% – 23.99%
  • Overview
  • Card Features
  • Pros & Cons

The US Bank Visa Platinum card is for people who are looking to either finance a major purchase or pay off a debt interest-free. It is one of the best credit card options in the market for a one-time buy. This is because the card does not charge an annual fee, and offers a long zero percent introduction offer on an interest rate for all purchases.

The card does not earn you any rewards, such as the other cards above do, but it comes with very many benefits such as cell phone insurance. For everyday spending and uses, many customers will find that other cards offering rewards and cash back will be a better value.

 

  • Rewards Plan: None
  • APR: 13.99% - 23.99%
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: 2-3%
  • Sign Up bonus: None
  • 0% APR Introductory Rate period: 0% introductory APR on purchases for 20 billing cycles
  • 0% APR Introductory Rate on Balance Transfers and Purchases in the First 20 Months
  • No Annual Fee
  • Cell Phone Protection
  • Free Credit Score
  • No Sign-Up Bonuses
  • No Rewards
  • Balance Transfer Fee

Capital One Venture Rewards

On Capital one Secure Website

Capital One Venture Rewards

Reward details

Unlimited 2X miles per dollar on every purchase

Current Offer

60,000 miles

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

17.24% – 24.49%
  • Overview
  • Card Features
  • Pros & Cons

The Capital One Venture Rewards is a low-cost travel card that worth’s its value. It allows you to earn rewards and bonus points while traveling for business, leisure, or pleasure. It requires holders to have a credit score of between 690 and 850. It attracts no annual fees, and once you spend up to a thousand dollars, you get 20,000 bonus miles to use as you please.

For the first 12 months, you get zero percent on purchases. This card's issuer has a J.D. power rating of 808, which places it Fifth among all major issuers (fifth out of 11 major issuers).

  • APR: 17.24% - 24.49%
  • Annual fee: $95
  • Balance Transfer Fee: $10 or 3%
  • Foreign Transaction Fee: None
  • Rewards Plan: Unlimited 2X miles per dollar on every purchase
  • Sign Up bonus: 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening
  • 0% APR Introductory Rate period: None
  • Flexible Rewards Redemption
  • Great Sign-Up Bonus
  • No Blackout/Expiration Dates
  • No Accumulation Limit on Miles
  • High Variable APR
  • Airline Partners Limitations
  • $95 Annual Fee
  • Redeem Points for a Statement Credit

Chase Sapphire Preferred

Chase Sapphire Preferred review
On Chase Secure Website

Chase Sapphire Preferred

Reward details

Up to 2X points for every $1 you spend

Current Offer

60,000 bonus points

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

15.99% – 22.99%
  • Overview
  • Card Features
  • Pros & Cons

The Chase Sapphire Preferred card is a travel rewards card issued by Chase Bank. This is a very popular travel rewards card because it offers a large sign-up bonus and the card is built around traveling. Many travel rewards cards have higher annual fees for the same kind of rewards.

This card is on our top spot in regards to the best traveling and dining cards as they offer you 2X more points compared to other cards. In addition, Chase Bank offers a 25% point’s bonus, whenever you redeem the points for travel.

The card offers a sign-up bonus of 60,000 points when you spend more than $4,000 on any purchases in the first 90 days. This is equivalent to $750 in travel costs when you redeem your travel rewards.You shall also earn 2x points while traveling and dining at a variety of restaurants around the world and one point on the dollar on any other purchases.

  • Rewards Plan: 2X on travel and dining at restaurants and 2X points on grocery store purchases (till April 30, 2021 and up to $1,000 in grocery store purchases per month ), 1 point per dollar spent on all other purchases
  • APR: 15.99% – 22.99%
  • Annual fee: $95
  • Balance Transfer Fee: 5%
  • Foreign Transaction Fee: None
  • Sign Up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
  • 0% APR Introductory Rate: None
  • 60,000 Point Sign-Up Bonus
  • Bonus Points
  • No Blackout Dates
  • 25% More through Ultimate Chase Rewards
  • No Foreign Transaction Fee
  • $95 Annual Fee
  • Low Merchandise Rewards
  • High APR
  • No Introductory 0% on APR Balance Transfer
  • 5% Balance Transfer Fee

Bank of America Travel Rewards

On Bank Of America Secure Website

Bank of America Travel Rewards

Reward details

Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points.

Current Offer

25,000 online bonus points

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

12 months

APR

14.99% – 22.99%
  • Overview
  • Card Features
  • Pros & Cons

This card is a must-have if you are a customer of Bank of America is a zero fees card that customers can use when they travel to earn points and gain rewards. To gain access to this card, you will need a solid credit score of between 690 to 850.

Although most cardholders feel this is a bit much, the rewards are worth it. If you spend $1000 within the first three months of acquiring the card, you gain 25,000 bonus points you can use for purchases and other travel expenses. You're also not limited when you want to make travel arrangements as the card grants you flexibility. The issuer has a J.D. Power rating of 798 for the year 2019.

  • APR: 14.99% - 22.99%
  • Annual fee: $0
  • Balance Transfer Fee: 3%
  • Foreign Transaction Fee: None
  • Rewards Plan: Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points.
  • Sign Up bonus: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel purchases
  • 0% APR Introductory Rate period: 12 months
  • 25,000 Point Sign-Up Bonus
  • Rewards
  • Bonus points
  • No Annual Fee
  • No Foreign Transaction Fee
  • Preferred Rewards, No Expiration
  • Minimum Redemption
  • There are Better Rewards Cards
  • High APR and Excellent Credit
  • Limited Travel Protections
  • 0% APR Introductory Rate on Purchases in the First 12 Months

Citi Double Cash

Citi Double Cash Credit Card Review
On Citi Secure Website

Citi Double Cash

Reward details

Up to 2X points for every $1 you spend

Current Offer

60,000 bonus points

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

18-month

APR

13.99% – 23.99% 
  • Overview
  • Card Features
  • Pros & Cons

Looking for a credit card issuer that offers an unrivaled flat-rate cash back rewards on all your purchases with no annual fee and a straightforward reward structure, then look nowhere else; Citi Double Cash is the best for you. You can get up to 1% cashback when you use the card plus an additional 1% whenever you make a payment. The flexible redemption options of this card make it a potentially lucrative option for its users. Some of the benefits you can get from using this card include an outstanding cashback on unlimited purchases and generous intro APR on balance transfers. However, this card does not provide a one-time offer.

Citi ranked 6th out of 11 card issuers with a score of 801, according to the 2020 J.D. Power Credit Card Customer Satisfaction Study.

  • Rewards Plan: Earn cash back twice on every purchase with unlimited 1% cash back when you buy + 1% as you pay for those purchases.
  • APR: 13.99% - 23.99% 
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: 3%
  • Sign Up bonus: None
  • 0% APR Introductory Rate period: 18 months
  • Simple and Generous Rewards System
  • Competitive Balance-Transfer Policy
  • Fee Waiver on First Late Payment
  • No Annual Fee
  • No Sign-Up Bonus
  • No Intro 0% APR on Purchases
  • Balance Transfer Fee
  • Foreign Transaction Fee

What Does Excellent Credit Mean?

Excellent credit is a reflection of your good payment history, how long you’ve had a credit-earning account, and other factors that can indicate your financial health. Excellent credit is generally considered any score between 750-850 from any of the big three credit reporting companies.

Ideally, you should have a score between 750-850 from all three credit companies.

Credit Score Ranges Basics

Fortunately, once you’ve got an excellent credit score with one company, you’ll likely develop excellent credit with the other two shortly as long as you don’t change your financial habits.

Excellent credit is generally considered a sign of good financial habits as well as a good financial position. The second part is less true. It's possible to have excellent credit with a relatively modest income and only a small amount of money in the bank. However, you do have to make payments on time and have your name on at least one credit-earning account, like a credit card, mortgage, or utility payment, in order to develop your credit history.

Benefits of Credit Cards for Excellent Credit

Having a good payment history makes you the kind of customer that most banks and financial institutions like to court. Because you're considered a good risk, those financial institutions are more willing to pay out big benefits as rewards for cardholders that excellent credit scores.

Here are a few of the main benefits you can expect if you have excellent credit and are shopping for a credit card.

  • Higher Credit Limits: Excellent credit usually means that you’ll get higher credit card limits on the first offer. That’s because the bank considers you more likely to pay back your debt, so they are more willing to take a risk on your spending.
  • Lower Interest and APR: Since you’re a good risk for the credit card company, they are also likely to offer lower interest rates and a lower APR (annual percentage rate) because they would rather keep you as a long-term customer than get their money’s worth out of your patronage quickly.
  • Better Rewards Rates: Rewards card programs are generally better for cards designed for excellent credit. Your cards will earn more points or miles, depending on the rewards structure, and cashback cards will earn a better percentage. You’ll also typically get higher value rewards options.

There are other benefits of having excellent credit of course, but those are the main three. Some institutions might also be more willing to work with you on payment schedules and fees depending on the situation and your payment history since you’ve had the card if you already have an excellent credit score.

How Do You Pick The Best Credit Card for Your Specific Needs?

There are several different factors you should consider when you’re looking for a great credit card. No credit card is perfect, so prioritizing the things that are most important to you will help make sure you get the full value of your card membership.

Here are some factors you should consider:

  • Do you already have an account with this credit card company? Managing cards is usually easier if you already have an account with the company since you won’t need a new account, password, and other paperwork.
  • Is this credit card for regular use or emergency use? It’s a good idea to have a credit card for emergencies, but a card that’s used regularly should have a higher credit limit and a better rewards program than a card that’s only used occasionally.
  • Are you a frequent flyer? Travel cards reward users with miles and other travel benefits that can save a lot of money in the long run.
  • Are you a foodie? Some rewards cards have more generous benefits for restaurant dining and takeout, and those rewards might be worth it if you're going out frequently.
  • What is the APR and Interest Rate? The cost of your credit card can be evaluated using the interest rate and APR of the card. Most financial institutions will work with people who have excellent credit to find a low APR option that’s more affordable in exchange for opening an account.
  • Do you need to consolidate debt? It's possible to have excellent credit with relatively high debt as long as you're always making your payments. Choosing a credit card that has a low balance transfer rate can be a good way to save money on debt payments by consolidating your debt under a single account.
  • How much do you spend on your credit card? High credit spenders need a very different kind of credit card than people who are only going to use their card for one or two small purchases a month. Consider whether you need a high limit or not and whether a rewards program is worth a more costly card.

That’s a lot to consider, but there is good news. Most bankers and credit card agents will be able to help you choose the right credit card if you have answers to these questions. It’s in their best interest to make sure you can afford the card they recommend, so it’s a good idea to consult with the experts to see what offers are available, and which cards they recommend for you.

What Should I Look For In A Credit Card If I Have Excellent Credit?

Knowing what features are important to get a credit card for you isn’t necessarily the same thing as looking for a credit card that’s designed to reward excellent credit.

Here are some features you shouldn’t compromise on if you already have excellent credit and are shopping for a credit card.

  • 0% APR Introductory Rate: If you have excellent credit, credit card companies should be courting you, not the other way around. A low APR introductory rate might not be a permanent advantage for your, but it can help save money in that first year. If you’re already in the market for a card, introductory offers can also be used to help finance big purchases with lower interest and fees.
  • Affordable Annual Fee: No annual fee is better than paying one for most consumers, but that isn’t always the case. If you’re considering a card with an annual fee make sure the fee is low enough that you’ll get similar or greater value from the card so you aren’t losing money on the fees.
  • Low Minimum Payments: Your credit card’s minimum payment is usually based on a percentage of the debt owed on the card. Look for cards with a lower minimum payment rate even if you intend to pay off the card instead of carrying a balance. These lower payments will come in useful if you do ever carry a balance and can help keep your costs smaller.
  • Minimal Fees and Penalties: Having minimal fees is another good way to save on the costs of your card, look for credit cards that don’t have a lot of fees and don’t charge too much for the fees they do have.
  • Incentives: The rewards program, discounts, and other fees on your credit card should be as generous as possible. Good incentives are where you’ll get a lot of the value from your credit card, so it’s important to look carefully for the best deal.

What Is The Best Credit Card Company?

Having a trustworthy credit card company is just as important as the cards themselves. A great deal might not be if you end up with a company that can’t be trusted with your information or that changes the details of your card after you’ve signed up.

According to JD Power, American Express currently has the highest customer satisfaction of all credit card providers, maintaining good scores despite cardholders recently reporting that they don't trust their credit card company as much as they used to.

Discover ranks second and Bank of America third, according to the same study.

J.D. Power U.S. Credit Card Satisfaction Study 2020

While customer satisfaction is critical when you’re considering which credit card company you want to work with, it’s not the only measure. You should also consider local availability. Do they have a branch near you?

It’s also important to consider the kinds of cards they offer. Does this company offer a credit card that suits my needs?

Ideally, you should work with a company that's highly rated, has at least one local branch, and has several credit cards that suit your needs and financial goals.

Which Is The Most Difficult Credit Card To Get?

The hardest cards to get usually are difficult to qualify because they offer premium benefits.

That can mean that it’s a good idea to try for these cards if you think you might qualify, but it’s also worth mentioning that just because these cards are exclusive doesn’t mean that they are the best option for you.

Gauging which card is the most difficult to get is tricky since it depends a lot on your personal finances and what kind of card you’re trying to get.

Here are some of the most difficult cards to qualify for as of 2021:

How Many People Have Excellent Credit?

There is good news when it comes to credit scores in the United States. According to Experian, credit scores in the United States are trending up slightly, so overall people’s credit is improving.

That’s a good thing, but it might also mean that card offers for people with excellent credit may change as credit averages rise and more people qualify for better cards.

FICO scores influence whether you may be accepted for credit.  A good FICO score can determine whether you obtain mortgage or finance approval, attractive auto insurance rates or even acceptance for a lease.

In this chart using Experian data, you can see the average FICO score has increased significantly over the last decade. While there was a dip in 2013, the average score has consistently increased year on year.

Average FICO Score 8

That said, as things stand right now around 42% of adults in the United States have credit scores of 720-850, most of whom are in the excellent range. That rating is skewed slightly because not all American adults currently have a credit score. Of adults who have a credit score, the same study shows that slightly more than 50% of adults have credit in that range.

What this means is that, even if you have excellent credit, there are a lot of other borrowers like you. You’ll be more likely to qualify for the best offers if your credit is 800 or above.

What Credit Cards Can I Get With A 750 Credit Score?

Fortunately, even with credit scores on the rise across the United States, people with scores of 750 and higher typically have their pick of credit cards, including most (but not all) premium cards.

That said, your other finances also impact your credit card eligibility. Some cards may also have income requirements in addition to the credit score requirements. So don’t count on qualifying for these cards on credit score alone, you may have to meet other requirements for the cards.

These are just a small selection of some of the best offers, but there are plenty of other cards available for you if none of these cards fit your needs.

How Do I Get An Excellent Credit Score?

Getting an excellent credit score can be a great way to manage and improve your financial future, so it’s understandable if you’re working with that goal in mind specifically. There are a lot of things to consider if you’re looking to get excellent credit, including your current credit score and the credit history you already have.

Here are some things you can do to start improving your credit score immediately and to get to excellent credit over time:

  • Monitor Your Credit Scores: One of the most important things you can do for your credit is to keep a close eye on your credit score and credit reports. Monitoring your credit score can tell you when there are changes, both good and bad. It's also one of the best ways to catch possible identity theft to reverse problem charges before they are permanent.
  • Always Make Payments On Time: Making payments on your credit cards, loans, utility bills, and other bills is critical for building credit. Try to make sure you’re always making payments on time or in advance, and that you are always paying at least the minimum amount due. Missed and late payments can hit your credit report and last for quite a while before they roll off the report.
  • Be Careful About Applying for New Credit Lines: Your credit report notes when you have a new line of credit and when you're applying for a line of credit. Small checks will temporarily lower your credit score while opening a new line of credit will usually lower your credit score until the account has had time to establish.
  • Optimize Credit Utilization: The amount of available credit that you are currently using also affects your credit score. The higher your credit ratio to credit limit is, the lower your credit score is likely to be. In general, it's a good idea to carry a balance, but you should try to make sure you’re using no more than 30% of your available credit.
  • Consider Your Credit Mix: Having a diverse set of credit available, instead of all one type of credit, can also help improve your credit score. It’s better to have several different types of loans or credit accounts available instead of just having several different credit cards or loans of the same type.

What Are The Expected Credit Card Rates For Excellent Credit?

People with excellent credit can usually expect to get offered lower interest rates, but that isn’t always the case. Knowing what interest rates are normal for your credit score can be a good way to make sure you’re getting a good deal and aren’t getting a bad credit offer.

Right now the average rate across credit cards is about 12-14% depending on the card itself and your exact credit score. However, some credit cards with better rewards and other benefits might have a higher interest rate, even with excellent credit.

For the sake of comparison, the average credit card interest rate in the United States is 17.87% for new accounts, according to WalletHub.

That might not seem like a huge difference, but the lower interest rate can really add up over time, especially for high spending credit users.

How Long Does It Take To Build Excellent Credit?

The amount of time it takes to change your credit score can vary pretty widely depending on where you’re starting.

For instance, if you don’t currently have a credit score it will probably take 6-8 months for the major credit agencies to have enough information to give you a credit score. Since the amount of time your accounts have been established is one of the factors, you'll likely need to build your credit for a while even if you start with excellent credit habits.

It can take several months to see changes to your credit score as you change habits. Owning a credit card is one of the fastest ways to improve your credit score, assuming you have good credit habits.

Assuming you’re starting with good credit or no credit, it may take as little as 1-3 years to build an excellent credit score.

However, if you have a bankruptcy, a debt that went into collections, or other credit problems it can take several years. It takes 7 years for a bankruptcy to fall off your credit, and you likely won’t be able to build an excellent credit score until your bankruptcy is no longer tracked.

What Are The Best Cashback Cards For Excellent Credit With No Annual Fee?

Cashback cards help make the most of your spending and are usually a good option for cardholders with excellent credit who are also moderately high spenders.

Citi® Double Cash Card

The Citi Double Cash Credit card is meant to maximize the value of your spending as much as possible. It’s also one of the most straightforward cards you can have since it offers a straight 2% cashback on all purchases. 1% is earned when you buy the purchase, and another 1% cashback is earned when you pay the total back on the card.

This card is one of the better options because it doesn’t have any maximum cashback earnings.

Chase Freedom Unlimited®

Chase Freedom Unlimited is a good credit card for travelers, foodies, and anyone who is looking for an everyday credit card. It’s got several different rewards tiers, so this card isn’t perfect for everyone, but it’s a good option for most users.

Chase Freedom Unlimited offers you plenty of opportunities to earn cash backs on purchases. This credit card earns 1.5% cash backs on all purchase without any limits, and a boosted cash back of specific categories. For example, you can earn 5% cash back on purchases made through Chase and 3% cash back on restaurants and drug stores. New sign-ups also get a $200 bonus on the first $500 spent on purchases in the first three months since account opening. Chase Freedom Unlimited is a no-annual-fee credit card, but it has a 3% charge on foreign transactions. This credit is a good fit if you are looking for a flat-rate cash back card for all purchases, this card makes the cut.

Capital One Venture Credit Card

Capital One Venture is great for people with good credit looking to earn miles on every purchase with no annual cost. This card offers a sign-up bonus of 60,000 if you spend $3000 in purchases in three months of account opening. You also earn 2x miles per dollar incurred on travel purchases. Capital One Venture charges a $0 annual fee and has no foreign transaction fees.  

How Do You Get An 800 Credit Score?

According to The Balance, only about 21% of Americans have a FICO credit score over 800. So you’d be part of a relatively small group of people if you managed to get a score of 800 or better.

About 35% of your total credit score is based on your past payment history. That makes paying your bills and paying off your credit card one of the most important things you can do to maintain your current credit score and improve it.

Credit_Score_Factors

It’s also important to maintain a minimum of accounts. Even if you’re following the other credit rules and not running up too much debt, having too many open credit accounts can make you seem like a higher risk borrower and lower your credit score. Try to only open new accounts when there is a good reason, and not to open more cards than you need.

Monitoring your credit report is also critical in case there are any hits on your credit in error.

But the most important thing is patience. It can be hard to maintain the discipline needed to get your credit score to 800, and giving up too soon can make it that much more difficult. Remember that it can take years to reach this goal, so your best option is to build and maintain good financial habits.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.