You will be accredited for among the greatest rewards bank cards if in case you have a respectable credit score rating. Nonetheless, having a superb credit score rating can unlock entry to essentially the most rewarding premium playing cards, increased credit score traces and decrease rates of interest.
A superb credit score rating is mostly outlined as 760 or increased.
Many of the greatest bank cards for shoppers with glorious credit score are journey bank cards that earn transferable factors currencies or rewards for a selected loyalty program, however we have additionally included a few cash-back playing cards.
Here is what we suggest.
Greatest bank cards for glorious credit score
With glorious credit score, you could have a great opportunity of approval for any bank card, as long as you observe the utility guidelines for the varied banks. These are the perfect bank cards for numerous sorts of spending and advantages, which we’ll cowl intimately beneath:
The most effective bank cards for glorious credit score
American Specific® Gold Card: Greatest for eating rewards
Welcome bonus: Earn 60,000 Membership Rewards factors after you spend $6,000 in purchases within the first six months of card membership. Plus, obtain 20% again on eligible purchases made at eating places worldwide throughout the first six months of card membership, as much as $100 again. Nonetheless, make sure you test the CardMatch Software to see in the event you’re focused for a better welcome bonus (supply topic to alter at any time).
Rewards charge: Earn 4 factors per greenback at eating places (together with takeout and supply within the U.S., on as much as $50,000 of those purchases per 12 months, then 1 level per greenback), 4 factors per greenback at U.S. supermarkets (on $25,000 of those purchases per 12 months, then 1 level per greenback), 3 factors per greenback on flights booked instantly with airways or amextravel.com and 1 level per greenback on different purchases. TPG’s August 2024 valuations place American Specific Membership Rewards at 2 cents apiece.
Annual price: $325 (see charges and charges)
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Who ought to apply: If you would like an Amex card that makes it straightforward to earn Membership Rewards on on a regular basis bills akin to eating places and groceries at U.S. supermarkets, that is undoubtedly a card to think about. Nonetheless, in the event you’re on the lookout for an Amex Membership Rewards card that earns bonus factors on all kinds of journey bills, you could also be higher off with the American Specific® Inexperienced Card.The data for the Amex Inexperienced Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
For extra particulars, try our full card evaluation for the Amex Gold.
Apply right here: American Specific® Gold Card
Blue Money Most well-liked® Card from American Specific: Greatest cash-back card for gasoline, groceries, and streaming
Welcome bonus: Earn a $250 assertion credit score after you spend $3,000 in purchases in your new card throughout the first six months.
Rewards charge: Earn 6% money again at U.S. supermarkets (on as much as $6,000 yearly, then 1%) and choose U.S. streaming companies, 3% on transit and at U.S. gasoline stations and 1% on all the pieces else.
Annual price: $0 intro annual price for first 12 months, then $95 (see charges and charges)
Who ought to apply: The Blue Money Most well-liked Card has bonus classes which are well-aligned with many shoppers. With many individuals spending a good quantity on streaming companies, incomes 6% on this comparatively uncommon bonus class can present stable worth. Plus, you’ll be able to earn $360 again on purchases at U.S. supermarkets every year in the event you attain the $6,000 spending cap; afterward, you’ll earn 1% again on these purchases.
You will additionally earn 3% money again on commuting bills involving gasoline and transit (which incorporates taxis, ride-shares, tolls, trains, buses and extra). Though the cardboard doesn’t earn Membership Rewards factors, it offers a easy strategy to earn rewards on frequent on a regular basis spending classes.
For extra particulars, try our full card evaluation for the Blue Money Most well-liked.
Apply right here: Blue Money Most well-liked® Card from American Specific
Capital One Enterprise Rewards Credit score Card: Greatest for rewards with fixed-rate and switch associate choices
Welcome bonus: Earn 75,000 bonus miles if you spend $4,000 on purchases within the first three months from account opening. Plus, get $250 to make use of on journey booked via Capital One Journey inside your first cardholder 12 months.
Rewards charge: Earn 5 miles per greenback spent on resorts, trip leases, and automobile leases booked via Capital One Journey and a couple of miles per greenback on different purchases. TPG’s August 2024 valuations place Capital One miles at 1.85 cents apiece.
Annual price: $95 (see charges and charges)
Who ought to apply: The Capital One Enterprise is a superb card in the event you’re on the lookout for simplicity and versatile redemptions. You already know you are getting at the very least 2 miles per greenback on each buy, so that you need not fear about how a purchase order will code. The miles you earn can then be used to take away eligible journey purchases out of your bank card invoice or they are often transferred to considered one of Capital One’s switch companions. As an added perk, you will additionally get a press release credit score of as much as $100 each 4 years on your World Entry or TSA PreCheck utility price, which is not a profit generally discovered on low-fee playing cards.
This card is usually marketed as a newbie card, however anybody can reap the benefits of the card’s rewards construction and advantages. Novices typically benefit from the simplicity of utilizing the Enterprise, however specialists can put it to use as an ideal card for non-bonus spending. TPG’s founder, Brian Kelly, even mentioned the Capital One Enterprise was the one card he’d maintain if he might solely maintain one card.
For extra particulars, try our full card evaluation for the Capital One Enterprise.
Apply right here: Capital One Enterprise Rewards Credit score Card
Capital One Enterprise X Rewards Credit score Card: Greatest for rewards and perks for licensed customers
Welcome bonus: Earn 75,000 bonus miles if you spend $4,000 on purchases within the first three months from account opening.
Rewards charge: Earn 10 miles per greenback on resorts and automobile leases booked through Capital One Journey, 5 miles per greenback on flights and trip leases booked through Capital One Journey and a couple of miles per greenback on different purchases. TPG’s August 2024 valuations put Capital One miles at 1.85 cents apiece.
Annual price: $395 (see charges and charges)
Who ought to apply: The Enterprise X card has the identical welcome supply and earns the identical kind of Capital One miles because the Enterprise card. The distinction comes within the annual price ($395, as a substitute of $95 (see charges and charges) and the plethora of perks added to the Enterprise X. Together with reimbursement on your World Entry or TSA PreCheck utility price, you’ll be able to get pleasure from a $300 annual journey credit score with Capital One Journey and 10,000 bonus miles in your account anniversary.
The true advantages include including a number of licensed customers on the account(see charges and charges), as they are going to get pleasure from these perks that are not reserved only for the first account holder: complimentary entry to Capital One lounges and Plaza Premium lounges and complimentary Hertz President’s Circle standing*.
*Upon enrollment, accessible via the Capital One web site or cellular app, eligible cardholders will stay at upgraded standing stage via December 31, 2024. Please be aware, enrolling via the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) won’t mechanically detect a cardholder as being eligible for this system and cardholders won’t be mechanically upgraded to the relevant standing tier. Extra phrases apply.
For extra particulars, try our full card evaluation for the Capital One Enterprise X.
Apply right here: Capital One Enterprise X Rewards Credit score Card
Chase Sapphire Most well-liked Card: Greatest for journey rewards with a low annual price
Welcome bonus: Earn 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening.
Rewards charge: Earn 5 factors per greenback on journey booked via Chase Journey℠, 5 factors per greenback on Lyft (via March 2025), 3 factors per greenback on eating, choose streaming companies and on-line grocery retailer purchases (excludes Goal, Walmart and wholesale golf equipment), 2 factors per greenback on all journey not booked via the Chase journey portal and 1 level per greenback on all the pieces else.
Annual price: $95
Who ought to apply: The Chase Sapphire Most well-liked is among the greatest newbie journey playing cards out there. Plus, it presents a sign-up bonus price $1,230 primarily based on TPG’s August 2024 valuations. The Chase Sapphire Most well-liked earns Chase Final Rewards factors, which you’ll redeem for 1.25 cents every via the Chase Final Rewards portal. Or, you’ll be able to switch your factors to considered one of Chase’s airline or resort companions after which redeem via these applications.
In case you’re on the lookout for a stable journey rewards card with journey protections however cannot fairly justify the $550 annual price on the Chase Sapphire Reserve, the Chase Sapphire Most well-liked is a superb choice.
For extra particulars, try our full card evaluation for the Chase Sapphire Most well-liked.
Apply right here: Chase Sapphire Most well-liked
Chase Sapphire Reserve: Greatest for journey rewards with premium journey protections
Welcome bonus: Earn 60,000 factors after you spend $4,000 on purchases within the first three months of account opening.
Rewards charge: Earn 10 factors per greenback on resorts and automobile leases bought via Chase Journey, 10 factors per greenback on eating purchases via the Chase Final Rewards portal, 10 factors per greenback on Lyft rides via March 2025, 5 factors per greenback on flights bought via Chase Journey, 3 factors per greenback on all different journey (excluding the $300 journey credit score) and eating purchases worldwide and 1 level per greenback on all the pieces else.
Annual price: $550
]Who ought to apply: The Chase Sapphire Reserve is among the high premium journey rewards playing cards out there. Though latest modifications to the cardboard have upset some cardholders, the cardboard stays a staple in lots of wallets attributable to robust incomes charges on journey and its top-shelf journey protections.
The Chase Sapphire Reserve earns invaluable Chase Final Rewards factors and presents perks together with an annual $300 journey credit score, Precedence Move lounge entry, a TSA PreCheck/World Entry utility price credit score each 4 years, at the very least one complimentary 12 months of DashPass membership via DoorDash and a powerful array of journey protections. All of those perks and advantages make the Chase Sapphire Reserve an ideal choice for frequent vacationers. However, if you cannot fairly justify the $550 annual price, you could discover that the Chase Sapphire Most well-liked Card is a greater match.
For extra particulars, try our full card evaluation for the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Citi Double Money Card: Greatest for on a regular basis incomes charge and stability transfers
Welcome bonus: Earn $200 money again after spending $1,500 within the first six months of account opening.
Rewards charge: Earn 2% again on all purchases — 1% again if you purchase purchases and 1% again when paying your invoice.
Annual price: $0
Who ought to apply: These on the lookout for an ideal card for on a regular basis spending — and even those that do not wish to cope with bonus classes — will love this card. Double Money rewards are earned as ThankYou factors that you may redeem for money at 1 cent every or use with restricted switch choices: simply Selection Privileges, JetBlue TrueBlue and Wyndham Rewards. In case you’re out there for a easy card that earns versatile rewards, nonetheless, it would not get a lot better than the Citi Double Money.
For extra particulars, try our full card evaluation for the Citi Double Money.
Apply right here: Citi Double Money Card
The Platinum Card from American Specific: Greatest for premium perks and advantages
Welcome bonus: Earn 80,000 Membership Rewards Factors after you spend $8,000 on purchases throughout the first six months of card membership. Nonetheless, make sure you test the CardMatch Software to see in the event you’re focused for a better welcome bonus (supply topic to alter at any time).
Rewards charge: Earn 5 factors per greenback on airfare bought instantly from airways or with Amex Journey (on as much as $500,000 of airfare purchases per calendar 12 months), 5 factors per greenback on pay as you go resorts booked with Amex Journey and 1 level per greenback on different purchases. TPG’s August 2024 valuations place American Specific Membership Rewards at 2 cents apiece.
Annual price: $695 (see charges and charges)
Who ought to apply: Though the welcome bonus can present vital worth — and incomes 5 factors per greenback on choose airfare and resort bills is sweet — The Platinum Card from American Specific is a card that you just maintain for its advantages and perks. You may earn as much as $200 in airline price credit score, as much as $200 in Uber Money and as much as $100 in assertion credit for purchases from Saks Fifth Avenue every year. Plus, you will get entry to Centurion Lounges, Delta Sky Golf equipment* when flying Delta, Precedence Move lounges and lots of extra lounges via Amex’s World Lounge Assortment. Enrollment is required for choose advantages.
You will additionally get computerized Marriott Gold standing and Hilton Gold standing. Plus, you’ll be able to e-book distinctive resort stays at choose properties via Amex’s Advantageous Lodges and Resorts program. And, you’ll be able to add three licensed customers for simply $175 per 12 months (see charges and charges). By way of redeeming, the American Specific Membership Rewards program has many airline and resort companions to which you’ll switch your reward factors.
For extra particulars, try our full card evaluation for The Platinum Card from American Specific.
*Efficient February 1, 2025: Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per 12 months to the Delta Sky Membership or to Seize and Go when touring on a same-day Delta-operated flight.
Apply right here: The Platinum Card® from American Specific
What is a superb credit score rating?
FICO Rating and VantageScore credit score scores vary from 300 to 850. A superb credit score rating is mostly thought of to be a rating that’s 760 and above.* With a credit score rating on this vary, you must have the ability to get accepted for many of the greatest rewards playing cards available on the market.
Associated: How you can test your credit score rating without cost
*The Factors Man credit score ranges are derived from FICO® Rating 8, which is considered one of many several types of credit score scores. In case you apply for a bank card, the lender could use a distinct credit score rating when contemplating your utility for credit score.
However, it is essential to understand that you do not have only one credit score rating. There are three major credit score reporting companies (Experian, Equifax and TransUnion) in addition to two major strategies for calculating credit score scores (FICO Rating and VantageScore). So, you will seemingly have barely completely different credit score scores from one credit score reporting company to a different.
For extra particulars, see our information to how credit score scores work.
Associated: Why your credit score rating could also be completely different relying the place you look
What bank cards are solely out there if in case you have glorious credit score?
There are two sorts of playing cards which are typically solely out there if in case you have excellent or glorious credit score:
Amex playing cards with no preset spending limits
These playing cards aren’t truly bank cards. Amex playing cards like The Platinum Card® from American Specific and the American Specific® Gold Card do not include a credit score restrict or preset spending restrict such as you’re used to with bank cards. As an alternative, purchases are accredited on a case-by-case foundation.
Which means, within the improper fingers, they could possibly be very harmful. Somebody might spend tens of 1000’s of {dollars} on these playing cards earlier than Amex caught on and began declining the costs. To cease this from taking place, Amex will typically solely approve candidates with glorious credit score.
Associated: Selecting the perfect American Specific bank card for you
Premium bank cards
Even when they arrive with a hard and fast spending restrict, you’ll be able to count on to face stricter approval necessities for the ever-growing checklist of premium bank cards. These playing cards supply invaluable perks and are typically marketed towards increased spenders who, in flip, want a bigger credit score restrict. To be trusted with excessive spending capabilities, these playing cards sometimes require you to have a excessive credit score rating.
Associated: Why a $500+ per 12 months bank card is not loopy
Tricks to preserve glorious credit score
FICO and VantageScore scores are designed to foretell the chance that you’ll turn into 90 days late on any of your credit score obligations throughout the subsequent 24 months. So, in brief, to preserve glorious credit score you must keep away from strikes which will enhance the perceived chance that you’ll turn into much less financially steady in the course of the subsequent two years. However, you need not work towards an ideal 850 rating.
To take care of glorious credit score, you must typically proceed to pay your payments on time, maintain your debt-to-credit ratio low, keep away from closing any accounts you have stored open for a very long time and keep away from opening an extreme quantity of latest accounts inside a brief interval. In case you’re seeking to preserve your glorious credit score, you also needs to test your credit score rating repeatedly.
Associated studying: 8 largest components that influence your credit score rating
Backside line
Having glorious credit score may also help you be accredited for among the greatest premium rewards bank cards, however glorious credit score may unlock numerous different advantages. For instance, increased credit score scores can typically assist you to to qualify for decrease rates of interest in your mortgage.
That is simply another reason why we at TPG consider your credit score historical past is of the utmost significance. And in the event you take care of it effectively, you will be effectively in your strategy to one of many playing cards listed above.
Associated: How a lot cash can good credit score actually prevent?
For charges and charges of the Amex Platinum card, click on right here.
For charges and charges of the Amex Gold card, click on right here.
For charges and charges of the Blue Money Most well-liked, click on right here.
