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People with Excellent Credit Should Have One of These 6 Cards

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People with Excellent Credit Should Have One of These 6 Cards

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

People with Excellent Credit Should Have One of These 6 Cards

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While most people know having excellent credit saves money on everything from mortgage rates to insurance, many fail to cash in on one of excellent credit’s best benefits – lucrative credit card sign-up incentives.

Our resident credit card expert – a millennial who holds over 20 credit cards – has put together a list of the best deals presently available from our partners.

Chase Slate®

Chase Slate® is a unique balance transfer credit card because unlike 90% of 0% intro APR balance transfer credit cards, this card charges no fees on balance transfers if they are made within 60 days of opening a new account. This can save consumers $30-$50 on every $1,000 transferred compared to just about any other balance transfer card on the market – and certainly any card that offers a 15 month 0% introductory rate. The lack of a balance transfer fee and long 0% period easily make Chase Slate® the best option for consumers looking to shore up their finances and pay down debt.

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BankAmericard® Credit Card

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BankAmericard® Credit Card deserves mention here because this card for excellent credit offers a 0% APR for 15 billing cycles on purchases as well as on balance transfers made within the first 60 days of account opening. Like Chase Slate, this card offers a $0 Intro balance transfer fee during first 60 days of account opening. After that, the fee for future balance transfers is 3% (min. $10).This can be a huge money saver for consumers with excellent credit who carry balances on high rate credit cards as savings can easily exceed $100 for every $1,000 of debt transferred from a card with a 15% or higher interest rate.

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BankAmericard Travel Rewards® Credit Card

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The BankAmericard Travel Rewards® Credit Card stands out by offering 1.5 points for every dollar you spend on purchases. This is the highest rewards rate of any no annual fee travel reward credit card. This feature alone makes this card a great deal, but it is the huge 20,000 online bonus points you can earn if you spend $1,000 on purchases in the first 90 days that makes this card a standout. Additionally, this card charges no foreign transaction fees. This saves you the typical 3% most credit cards charge on international transactions. Lastly, the BankAmericard Travel Rewards® Credit Card offers a 0% introductory interest rate on purchases for 12 billing cycles, which provides yet another way to save.

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card offers 50,000 bonus points to new card members who spend $4,000 within 3 months of opening a new account. These points are worth $625 when you redeem them for travel through Chase Ultimate Rewards®. However, this card does carry a $95 annual fee. Fortunately, the fee is waived during the first year, so cardholders essentially get a free year to evaluate whether or not this is the right card. As for earning potential, the majority of purchases earn 1 point per dollar, while travel and dining purchases pull in 2 points per dollar.

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Chase Freedom Unlimited℠

The Chase Freedom Unlimited℠ card offers about 50% more rewards than the average card by providing 1.5% cash back on all purchases. Rewards earned with this card can be easily redeemed for cash as there are no minimums and rewards don’t expire as long as your credit card remains open. Additionally, new applicants can earn a $150 bonus if they spend $500 on purchases during the first 3 months of card membership. Lastly, this card offers a generous 0% introductory APR on purchases and balance transfers lasting 15 months, making this a great option for people who stand to save on interest expenses.

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BankAmericard Cash Rewards™ Credit Card

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The BankAmericard Cash Rewards™ Credit Card is an excellent no annual fee cash back credit card that provides additional value by offering a 0% introductory interest rate on purchases and qualifying balance transfers for 12 billing cycles (A 3% fee, minimum $10 applies to balance transfers). In terms of rewards, this card offers 1% cash back on every purchase, but excels by offering 3% cashback on gas and 2% cash back at grocery stores and wholesale clubs on up to $2,500 of spend every quarter of the year. This perk can add $100-$200 in additional rewards on top of the base 1% reward rate. A final sweetener is a $150 cash rewards bonus for approved applicants who spend $500 on purchases in the first 90 days of card membership.

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset.com does not include all card companies or all card offers available in the marketplace.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.