There are many reward programs available for those with excellent credit. You may want to consider a reward card with purchase protection if you are someone who travels often or needs additional insurance for cars they rent. There are concierge services available that can help make travel more convenient. Before you make a decision on which rewards card to apply, be sure to look at the benefits.
Capital One Venture Rewards credit card
Capital One Venture Reward Credit Card offers more rewards than the average credit card. After spending at least $4,000 per month, and making at least two trips per year, the card will offer up to four thousand miles annually. The rewards are also easy to redeem and the Capital One Venture has a growing network of transfer partners.
This card offers travel benefits as well, including a $100 credit for TSA Precheck/Global Entry each year. You also get a sign-up bonus worth 75,000 miles. This doubles your card's initial value. It is important to note that this bonus is secondary to the other benefits.
American Express Gold Card
The American Express Gold Card for excellent credit is a great option for those who want to earn rewards from everyday spending. You will earn different rewards depending on how the card is used and how much you spend each year. There are many benefits that make this card a good choice for people who like to spend more each year.
The annual fee for the card is $250. The card also requires that you pay the $250 annual fee at time of opening. You can use it to purchase up to five cards from the same account. The fee rises to $350 for each additional. It is important that you pay the annual fee in advance.
Citi Simplicity Card
Citi Simplicity Card is a great choice if you have good credit. This card has a relatively low interest rate and offers a 21-month 0% intro period on balance transfers. It also has a $5 balance-transfer fee. This is less than the standard, 5% balance transfer fees. If you're looking to earn good credit, this isn't the right credit card.
If you are looking for a credit card that offers 2% cash back, the Citi Simplicity Card is one of the best options. You can apply for it even if you have excellent or great credit. And the rewards program is very straightforward. There are no earning caps, categories or rules. In addition, you get 2% cashback on all purchases. This makes it the best rewards credit cards for people with excellent credit.
Chase Sapphire Preferred(r) Card
The Chase Sapphire Preferred Credit Card could be the right card for you if you are a frequent shopper. This card offers flexible rewards as well as a generous signup bonus. Double points are available for purchases made at hotels, airlines, or travel services. This card offers 1-to-1 points transfer with partner airlines and hotels.
Chase Ultimate Rewards points are earned by the Chase Sapphire Preferred Credit Card. These points can be used for travel or gift cards. The points transfer 1:1 with the leading airline and hotel partners. Additional bonus 25% is given to points that can be used for statement credits. There are other security features and benefits that the card offers.
J.P. Morgan Reserve Card
You may be eligible to apply for a J.P. Morgan Reserve Card, if you have outstanding credit. This card has a variety of benefits, including free annual fees and excellent rewards. Although the Reserve Card isn't available to everyone, those with good credit should consider it if they have excellent finances.
The Reserve Card is made from palladium which is worth $1400 an ounce. You can get roadside assistance for free, and it also costs only 27 grams. A $300 annual travel credit is available.