Excellent Credit CREDIT CARDS
As a consumer with excellent credit, you’ll never have many concerns about receiving an approval for a new credit card. However, there’s one challenge awaiting you: sifting through hundreds of credit card offers with hopes of finding the right one. While you’re in good position to obtain the perfect credit card, you don’t want to rush your decision. We’ve listed out some of the best excellent credit credit cards below.
Reflex Mastercard®
See if you’re Pre-Qualified with no impact to your credit score
Intro Purchase APR See Terms*
Intro Balance Transfer APR n/a
Regular Purchase APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Card BrandMasterCard®
Highlights
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad Credit |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
FIT Mastercard®
Fast & Easy Application; Results Online in Seconds
Intro Purchase APR See Terms*
Intro Balance Transfer APR n/a
Regular Purchase APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Card BrandMasterCard®
Highlights
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00* (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Checking Account Required
Specifications
| Intro (Purchases) | See Terms* |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad Credit |
| Cash Advance APR | See Terms* |
| Cash Advance Fee | See Terms* |
| Cash Grace Period | See Terms* |
| Late Payment Fee | See Terms* |
| Overlimit Fee | |
| Return Check Fee | See Terms* |
| Foreign Trans Fee | See Terms* |
| Balance Transfer Fee | See Terms* |
Surge Mastercard® Credit Card
See if you’re Pre-Qualified without impacting your credit score
Intro Purchase APR N/A
Intro Balance Transfer APR n/a
Regular Purchase APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Card BrandMasterCard®
Highlights
Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!
Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.
Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad |
| Cash Advance APR | See Terms* |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Upgrade Card
Upgrade Card with Personal Credit Line
Intro Purchase APR N/A
Intro Balance Transfer APR N/A
Regular Purchase APR 6.99%-29.99% APR
Annual Fee 0.00
Credit Recommended Fair,Good,Excellent
Card BrandVisa
Highlights
- Choose the Upgrade card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000.
- No Fees – No annual fees and no fees to use your card.
- Quick and easy application – find out if you qualify in minutes.
- Checking your line won’t hurt your credit score.
- Free access to credit monitoring, alerts and features to help you understand your credit.
- Use wherever Visa is accepted. (cannot be used at an ATM)
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 6.99%-29.99% APR |
| Annual Fee | 0.00 |
| Credit Recommended | Fair,Good,Excellent |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | 0.00 |
| Overlimit Fee | n/a |
| Return Check Fee | 0.00 |
| Foreign Trans Fee | 0.00 |
| Balance Transfer Fee | 0.00 |
Indigo® Platinum Mastercard® Credit Card
Unsecured credit card, no security deposit required
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 24.9%
Annual Fee $0 - $99
Credit Recommended Fair/Good
Card BrandMasterCard®
Highlights
- Easy pre-qualification process with fast response
- Less than perfect credit is okay
- Online servicing available 24/7 at no additional cost
- Unsecured credit card, no security deposit required
- Account history is reported to the three major credit bureaus in the U.S.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.9% |
| Annual Fee | $0 - $99 |
| Credit Recommended | Fair/Good |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | Up to $40.00 |
| Overlimit Fee | Up to $40.00 |
| Return Check Fee | Up to $40.00 |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Indigo® Platinum Mastercard®
Don't have perfect credit? No problem!
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 24.9%
Annual Fee $0 - $99
Credit Recommended Fair/Good
Card BrandMasterCard®
Highlights
- Easy pre-qualification process with fast response
- Don’t have perfect credit? No problem!
- 24/7 access to your account, even on mobile!
- No security deposit
- Account history is reported to the three major credit bureaus in the U.S.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.9% |
| Annual Fee | $0 - $99 |
| Credit Recommended | Fair/Good |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | Up to $40.00 |
| Overlimit Fee | Up to $40.00 |
| Return Check Fee | Up to $40.00 |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 24.9%
Annual Fee $35 - $99*
Credit Recommended Fair/Good Credit
Card BrandMasterCard®
Highlights
- Instant pre-qualification is available for those who qualify
- Don’t have perfect credit? No problem!
- Mobile friendly online access from anywhere
- Pick from multiple card designs at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.9% |
| Annual Fee | $35 - $99* |
| Credit Recommended | Fair/Good Credit |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | Up to $40.00 |
| Overlimit Fee | Up to $40.00 |
| Return Check Fee | Up to $40.00 |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 24.9%
Annual Fee $35 - $99*
Credit Recommended Fair/Good
Card BrandVisa
Highlights
- Instant pre-qualification is available for those who qualify
- Less than perfect credit is okay
- Access your account online or from your mobile device 24/7
- Choice of card image at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
* Dependent on credit worthiness
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.9% |
| Annual Fee | $35-$99* |
| Credit Recommended | Fair/Good |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | Up to $40.00 |
| Overlimit Fee | Up to $40.00 |
| Return Check Fee | Up to $40.00 |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
5 Benefits of an Excellent Credit Score
Most consumers strive to obtain an excellent credit score, which falls in the 800 to 850 range. It may not be something you think about every day, but here are some of the many benefits of reaching this level:
1. Competitive Interest Rates
It doesn’t matter if you’re applying for a credit card, mortgage, car loan or some other type of lending product, an excellent credit score gives you access to the lowest available interest rate.
With a credit card, a low interest rate saves you money if you carry a balance from month to month. With a loan, a lower rate equals a lower monthly payment.
2. Opportunity to Borrow More Money
Are you seeking a credit card with a higher limit? Do you require a large loan, such as to purchase your dream home?
An excellent credit score gives you the ability to borrow more money, as the lender sees you as less of a risk. This puts you in position to achieve many of your financial and personal goals.
3. No Security Deposit
It’s extremely frustrating to pay a security deposit, such as when signing up with a new cell phone provider or activating utilities. Companies and creditors ask for this upfront deposit as a means of protecting against delinquent accounts.
With excellent credit, you’re not considered a risk. So, it’s not likely that you’ll be asked to pay a security deposit.
4. Savings When Buying a Home
Buying a home is a big financial decision, as it’ll impact your finances for many years to come. This is particularly true if you take out a mortgage to make the purchase.
Depending on the size of your mortgage, a lower rate can save you tens of thousands of dollars over the course of your loan.
5. More Affordable Motor Vehicle Insurance
Buying a car is a big financial decision. From the purchase price to the maintenance to the insurance, you’ll always find yourself spending to keep you and your car on the road.
With car insurance premiums on the rise, you’re probably looking for ways to save on the cost of coverage. Maintaining an excellent credit score is helpful, as insurance companies believe that drivers with bad or fair credit are more likely to file a claim. Subsequently, they charge them a higher monthly premium.
Final Thoughts
There is no shortage of benefits of an excellent credit score. Once you reach a score of 800, you’ll find yourself using it to your advantage time after time. Keep climbing!
Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auctions. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. A few cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit card organization those fees plus your current balance. Interest fees can shift from as low as 0% to as high as 35% for various periods. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.
General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)
Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).