Do you have excellent credit? If so, it’s time to upgrade to a better rewards credit card.
The banks are fighting
harder than ever to win customers with excellent credit. Take advantage of your
excellent credit today by getting a card that earns you more rewards. Our
credit card experts have selected the top 10 credit card deals you can take
advantage of right now:
How Compare Cards Gets
Paid
Capital One
Quicksilver Cash Rewards Credit Card
Get the best of both
worlds with this generous card that offers both a long 0% intro interest
period on purchases and rich cash back rewards. Take advantage of an intro
APR of 0% intro on purchases for 15 months, followed by 17.99% - 27.99%
(Variable) APR after that to give you breathing room to pay down your balance
with no interest charges piling up. It's the same for balance transfers: an APR
of 0% intro on balance transfers for 15 months followed by an ongoing APR of
17.99% - 27.99% (Variable). But the standout feature on this incredible low
interest card is the rich cash back rewards program. You will earn cash on
everything you buy, everywhere. Enjoy a one-time $200 cash bonus after you
spend $500 on purchases within 3 months from account opening. Earn an
impressive 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms
apply). Get all this for $0 annual fee.
The Wells Fargo Autograph℠ Card is something we don’t often see – a fresh entry in the
rewards space that offers both top-tier points multipliers on key categories
and solid intro APR on purchases. Let’s start with those rewards. Earn unlimited 3X points on
restaurants, travel, gas stations, transit, popular streaming services and
phone plans. Plus, earn 1X points on other purchases. That makes this card
an ideal choice for maximizing your rewards whether you’re adventuring abroad or
bingeing your new favorite show at home. And that’s not all—if you’re a new
cardholder, you’ll earn 30,000 bonus points when you spend $1,500 in purchases
in the first 3 months of card ownership, a $300 value.
This card also offers purchase peace of mind with 0% intro APR
for 12 months from account opening on purchases, with 19.24%, 24.24%, or 29.24%
variable APR after that. So long as you’re making your payments on time, you’ll
get 0% APR on credit card balances held over from month-to-month, which can help
you make sure you’re prepared for whatever life throws at you. One more
important thing to note is that this card comes with no annual fee, which makes
the Wells Fargo Autograph℠ Card even more
attractive for those looking for a low-interest card with some rewards punch.
When it comes to cash-back credit cards the Discover
it Cash Back is in a league of its own. Cardholders will earn 5% cash back
on everyday purchases at different places each quarter like Amazon.com, grocery
stores, restaurants, and gas stations, up to the quarterly maximum when you
activate. Plus, earn unlimited 1% cash back on all other purchases -
automatically. And new cardholders can take advantage of Unlimited Cashback
Match – only from Discover. Discover will automatically match all the cash back
you’ve earned at the end of your first year! There’s no minimum spending or
maximum rewards. You could turn $150 cash back into $300. ®
Log into your Discover account each quarter to activate the
5% cash-back bonus and truly maximize your cash back earning
potential. Finance purchases with intro APR 0% Intro APR for 15 months then,
15.74% - 26.74% Variable APR *Rates as of December 15, 2022 after that. Get all
this for $0 annual fee.
If you're looking for a
break on interest, check out this top-tier $0 annual fee card. Finance a new
purchase with generous See Terms Then See Terms after that intro period is up -
that means no monthly interest charges will pile up for almost two years if you
end up carrying a balance month-to-month. Plus, this card also helps you stop
paying high interest charges on an outstanding balance with See Terms, then See
Terms after that. It's hard to overstate just how powerful the combination of
these two benefits is - the lengthy periods of 0% interest on both purchases
and balance transfers mean that this card helps you regain control over
your financial life and puts time on your side to pay down debt faster.
And unlike some other cards, there is no penalty APR, so a late payment won’t
automatically raise your interest rate. This card might not have a huge suite
of flashy rewards, but if you're looking to save money on interest charges the BankAmerica credit
card is hard to beat. ®
It’s not often we see something that completely changes the game when it comes to credit card rewards, but that’s exactly what’s happening with the Wells Fargo Active Cash Card. How is this card re-shaping the rewards landscape? It all starts with its headline feature: cardholders earn unlimited 2% cash rewards on purchases with no restrictions on categories and no expiration date on rewards. Let that sink in – no other card on the market today offers such a high rate of truly unlimited cash back. If you’re looking for a no-maintenance card that can help you maximize your returns on every purchase you make, this is absolutely it. And it gets even better if you’re a new cardholder: you can earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account open. ®
But this no-annual fee
card isn’t just good for rewards – it’s also an excellent way to mitigate the
cost of a large expense or get out of debt. The Wells Fargo Active
Cash Card offers over a year of 0% intro APR on purchases: 0% intro APR
for 15 months from account opening on purchases, then 19.24%, 24.24%, or 29.24%
variable APR after that intro period is up. And if you’re transferring a
balance from a high-interest credit card, you can get the same period of 0% intro
APR: 0% intro APR for 15 months from account opening on qualifying balance
transfers, then 19.24%, 24.24%, or 29.24% variable APR after that. This gives
you incredible flexibility in covering life’s unexpected (and often expensive)
developments, and with this card’s already industry-leading rewards program you
can feel confident always having this card in your wallet. ®
Bank of
America Customized Cash Rewards credit card®
The Bank of America Customized Cash Rewards credit card is one of our favorites because it offers something pretty uncommon among rewards cards – choice. Its three-tiered rewards program gives 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases and, if you’re a new cardholder, $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. And since you can switch up that 3% category each month, from travel to dining to online shopping, you can have an unprecedented amount of control over how you earn your rewards. Couple that with a long period of See Terms and See Terms after that billing period is over and no annual fee and you have a card that’s hard to ignore. After all, what’s better than getting to take control of your cash back? ®
The Discover it Balance Transfer credit card offers a blockbuster combination of 0% intro APR on purchases and balance transfers with the opportunity to earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. And that rewards program only gets better when you consider this card's astonishing sign-up feature: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. ®
While this card has an incredibly competitive suite of rewards,
where the Discover it Balance Transfer credit card really sets itself
apart from the competition comes in the form of the long periods of 0% intro
APR on offer for both purchases and balance transfers. If you want to transfer
debt from a high-interest credit card, you can enjoy an intro APR of 0% Intro
APR for 18 months on balance transfers, 15.74% - 26.74% Variable APR *Rates as
of December 15, 2022 after that. Even better, you can use all that extra
interest-free time combined with the cash-back rewards you'll earn to pay down
your debt even faster! Plus, enjoy added flexibility on purchases with an intro
rate of 0% Intro APR for 6 months, followed by 15.74% - 26.74% Variable APR
*Rates as of December 15, 2022. This card really is the complete package, and
with a $0 annual fee there's never been a better time to apply. ®
Capital One
Venture X Rewards Credit Card
Capital One’s Venture cards have been titans in the travel credit card world for years, so we were incredibly excited to see a new entry hit the market in 2021 with the Capital One Venture X Rewards Credit Card. This card solidly sits in premium travel rewards territory, with a top-tier rewards program offering 2 Miles per dollar on every purchase, every day; 10 Miles on hotels and rental cars booked through Capital One Travel; 10 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023; 5 Miles on flights booked through Capital One Travel, plus an additional 10,000 bonus miles rewarded every year, starting at the first anniversary. Cardholders also get access to the Capital One and Priority Pass lounges worldwide, in addition to a $100 credit towards TSA Recheck® or Global Entry. Even better, the rewards numbers could keep growing if you’re a new cardholder: with the Capital One Venture X Rewards Credit Card, you’ll earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
And while this card has no foreign transaction fees, all these
amazing benefits come at a cost: a $395 annual fee. While that may seem high,
don’t forget the ongoing benefits and 10X miles multipliers available on travel
booked through Capital One – with frequent use, those rewards dollars could add
up fast. All in all, this is a sterling new entry in the premium travel cards
space – if you’re on the hunt for an amazing new travel card, don’t miss this
one.
If you like 0% intro APR on purchases and balance transfers
for over a year, no annual fee, no foreign transaction fees, no over limit fee,
and a free pass the first time you miss a payment, the Discover it chromes
credit card comes with everything you want! Cardholders get an intro APR of 0%
Intro APR for 15 months on both purchases and balance transfers, then 15.74% -
26.74% variable apr *rates as of December 15, 2022. With the Discover it chromes
credit card you can ensure you're always ready to hit the road. 2% cash back at
Gas Stations and Restaurants on up to $1,000 in combined purchases each
quarter. 1% unlimited cash back on all other purchases - automatically®®
Rewards can be redeemed at any time and never expire. As an
exclusive offer, Discover will automatically match all the cash back you've
earned at the end of your first year of card membership.
If you’ve got a substantial expense looming on the horizon, the Wells Fargo Reflect Card has you covered with 18 months of 0% intro APR on purchases followed by an ongoing 17.24% - 29.24% variable APR after that. But where this card really sets itself apart is by giving you the opportunity to extend that already top-shelf savings period by up to another 3 months if you make all your minimum monthly payments on-time; that has the potential for an outstanding 0% intro APR up to 21 months from account opening - almost two years! And the same offer applies to balance transfers as well – if you’re transferring a balance from a different high-interest credit card, you could get 0% intro APR up to 21 months from account opening on qualifying balance transfers if you make all your minimum monthly payments, with the same 17.24% - 29.24% variable APR after that. This $0 annual fee card is an exceptional savings tool because it rewards you for what you should already be doing – promptly paying down your credit card debt – and with such generous windows on interest-free time to make that happen, you could end up saving hundreds of dollars in interest fees alone. If you’re looking to get out of debt without getting buried under a massive pile of fees, this could be just the card for you. ®
Rewards Rate: Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus, earn 1X points on other purchases Intro Purchase APR: 0% intro APR for 12 months from account opening on purchases, then 19.24%, 24.24%, or 29.24% variable APR .