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You will be authorized for a number of 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, greater credit score traces and decrease rates of interest.
A superb credit score rating is mostly outlined as 760 or greater.
A lot of the greatest bank cards for customers with glorious credit score are journey bank cards that earn transferable factors currencies or rewards for a particular loyalty program, however we’ve additionally included a few cash-back playing cards.
Right here’s what we suggest.
Finest bank cards for glorious credit score
With glorious credit score, you’ve a good chance of approval for any bank card, as long as you observe the utility guidelines for the assorted banks. These are one of the best bank cards for varied kinds of spending and advantages, which we’ll cowl intimately under:
- American Categorical® Gold Card: Finest for eating rewards
- Blue Money Most popular® Card from American Categorical: Finest cash-back card for gasoline, groceries, and streaming
- Capital One Enterprise Rewards Credit score Card: (see charges and costs)Finest for rewards with fixed-rate and switch companion choices
- Capital One Enterprise X Rewards Credit score Card: (see charges and costs)Finest for rewards and perks for licensed customers
- Chase Sapphire Most popular® Card: Finest for journey rewards with a low annual charge
- Chase Sapphire Reserve®: Finest for journey rewards with premium journey protections
- Citi Double Money® Card (see charges and costs): Finest for on a regular basis incomes fee and steadiness transfers
- The Platinum Card® from American Categorical: Finest for premium perks and advantages
One of the best bank cards for glorious credit score
American Categorical® Gold Card: Finest 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, you should definitely examine the CardMatch Software to see in the event you’re focused for the next welcome bonus (supply topic to vary at any time).
Rewards fee: 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 yr, then 1 level per greenback), 4 factors per greenback at U.S. supermarkets (on $25,000 of those purchases per yr, 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 Categorical Membership Rewards at 2 cents apiece.
Annual charge: $325 (see charges and costs)
Who ought to apply: In order for you an Amex card that makes it straightforward to earn Membership Rewards on on a regular basis bills similar to eating places and groceries at U.S. supermarkets, that is positively a card to think about. Nonetheless, in the event you’re searching 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 Categorical® Inexperienced Card.The knowledge 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 offered by the cardboard issuer.
For extra particulars, try our full card evaluate for the Amex Gold.
Apply right here: American Categorical® Gold Card
Blue Money Most popular® Card from American Categorical: Finest 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 fee: 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 things else.
Annual charge: $0 intro annual charge for first yr, then $95 (see charges and costs)
Who ought to apply: The Blue Money Most popular Card has bonus classes which can be well-aligned with many customers. 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’ll 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 gives a easy strategy to earn rewards on frequent on a regular basis spending classes.
For extra particulars, try our full card evaluate for the Blue Money Most popular.
Apply right here: Blue Money Most popular® Card from American Categorical
Capital One Enterprise Rewards Credit score Card: Finest for rewards with fixed-rate and switch companion choices
Welcome bonus: Earn 75,000 bonus miles while 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 yr.
Rewards fee: Earn 5 miles per greenback spent on inns, trip leases, and automobile leases booked via Capital One Journey and a pair of miles per greenback on different purchases. TPG’s August 2024 valuations place Capital One miles at 1.85 cents apiece.
Annual charge: $95 (see charges and costs)
Who ought to apply: The Capital One Enterprise is a good card in the event you’re searching for simplicity and versatile redemptions. You already know you’re getting at the very least 2 miles per greenback on each buy, so that you don’t want to fret 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 one in all Capital One’s switch companions. As an added perk, you’ll additionally get an announcement credit score of as much as $100 each 4 years to your International Entry or TSA PreCheck utility charge, which isn’t a profit generally discovered on low-fee playing cards.
This card is commonly marketed as a newbie card, however anybody can benefit from the card’s rewards construction and advantages. Inexperienced persons usually benefit from the simplicity of utilizing the Enterprise, however specialists can put it to use as a fantastic 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 evaluate for the Capital One Enterprise.
Apply right here: Capital One Enterprise Rewards Credit score Card
Capital One Enterprise X Rewards Credit score Card: Finest for rewards and perks for licensed customers
Welcome bonus: Earn 75,000 bonus miles while you spend $4,000 on purchases within the first three months from account opening.
Rewards fee: Earn 10 miles per greenback on inns and automobile leases booked through Capital One Journey, 5 miles per greenback on flights and trip leases booked through Capital One Journey and a pair of miles per greenback on different purchases. TPG’s August 2024 valuations put Capital One miles at 1.85 cents apiece.
Annual charge: $395 (see charges and costs)
Who ought to apply: The Enterprise X card has the identical welcome supply and earns the identical sort of Capital One miles because the Enterprise card. The distinction comes within the annual charge ($395, as a substitute of $95 (see charges and costs) and the plethora of perks added to the Enterprise X. Together with reimbursement to your International Entry or TSA PreCheck utility charge, 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 costs), as they’ll get pleasure from these perks that aren’t 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 notice, enrolling via the conventional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to robotically detect a cardholder as being eligible for this system and cardholders is not going to be robotically upgraded to the relevant standing tier. Further phrases apply.
For extra particulars, try our full card evaluate for the Capital One Enterprise X.
Apply right here: Capital One Enterprise X Rewards Credit score Card
Chase Sapphire Most popular Card: Finest for journey rewards with a low annual charge
Welcome bonus: Earn 60,000 bonus factors after you spend $4,000 on purchases within the first three months from account opening.
Rewards fee: 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 things else.
Annual charge: $95
Who ought to apply: The Chase Sapphire Most popular is among the greatest newbie journey playing cards out there. Plus, it gives a sign-up bonus price $1,230 primarily based on TPG’s August 2024 valuations. The Chase Sapphire Most popular earns Chase Final Rewards factors, which you’ll be able to redeem for 1.25 cents every via the Chase Final Rewards portal. Or, you’ll be able to switch your factors to one in all Chase’s airline or lodge companions after which redeem via these packages.
If you happen to’re searching for a stable journey rewards card with journey protections however can’t fairly justify the $550 annual charge on the Chase Sapphire Reserve, the Chase Sapphire Most popular is a good choice.
For extra particulars, try our full card evaluate for the Chase Sapphire Most popular.
Apply right here: Chase Sapphire Most popular
Welcome bonus: Earn 60,000 factors after you spend $4,000 on purchases within the first three months of account opening.
Rewards fee: Earn 10 factors per greenback on inns 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 things else.
Annual charge: $550
]Who ought to apply: The Chase Sapphire Reserve is among the high premium journey rewards playing cards out there. Though current adjustments to the cardboard have upset some cardholders, the cardboard stays a staple in lots of wallets as a result of sturdy incomes charges on journey and its top-shelf journey protections.
The Chase Sapphire Reserve earns useful Chase Final Rewards factors and gives perks together with an annual $300 journey credit score, Precedence Go lounge entry, a TSA PreCheck/International Entry utility charge credit score each 4 years, at the very least one complimentary yr of DashPass membership via DoorDash and a formidable array of journey protections. All of those perks and advantages make the Chase Sapphire Reserve a fantastic choice for frequent vacationers. However, in the event you can’t fairly justify the $550 annual charge, it’s possible you’ll discover that the Chase Sapphire Most popular Card is a greater match.
For extra particulars, try our full card evaluate for the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Citi Double Money Card: Finest for on a regular basis incomes fee and steadiness transfers
Welcome bonus: Earn $200 money again after spending $1,500 within the first six months of account opening.
Rewards fee: Earn 2% again on all purchases — 1% again while you purchase purchases and 1% again when paying your invoice.
Annual charge: $0
Who ought to apply: These searching for a fantastic card for on a regular basis spending — and even those that don’t need to cope with bonus classes — will love this card. Double Money rewards are earned as ThankYou factors you can redeem for money at 1 cent every or use with restricted switch choices: simply Selection Privileges, JetBlue TrueBlue and Wyndham Rewards. If you happen to’re available in the market for a easy card that earns versatile rewards, nevertheless, it doesn’t get a lot better than the Citi Double Money.
For extra particulars, try our full card evaluate for the Citi Double Money.
Apply right here: Citi Double Money Card
Welcome bonus: Earn 80,000 Membership Rewards Factors after you spend $8,000 on purchases throughout the first six months of card membership. Nonetheless, you should definitely examine the CardMatch Software to see in the event you’re focused for the next welcome bonus (supply topic to vary at any time).
Rewards fee: 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 yr), 5 factors per greenback on pay as you go inns booked with Amex Journey and 1 level per greenback on different purchases. TPG’s August 2024 valuations place American Categorical Membership Rewards at 2 cents apiece.
Annual charge: $695 (see charges and costs)
Who ought to apply: Though the welcome bonus can present vital worth — and incomes 5 factors per greenback on choose airfare and lodge bills is good — The Platinum Card from American Categorical is a card that you just maintain for its advantages and perks. You possibly can earn as much as $200 in airline charge 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’ll get entry to Centurion Lounges, Delta Sky Golf equipment* when flying Delta, Precedence Go lounges and plenty of extra lounges via Amex’s International Lounge Assortment. Enrollment is required for choose advantages.
You’ll additionally get computerized Marriott Gold standing and Hilton Gold standing. Plus, you’ll be able to e-book distinctive lodge stays at choose properties via Amex’s Tremendous Accommodations and Resorts program. And, you’ll be able to add three licensed customers for simply $175 per yr (see charges and costs). When it comes to redeeming, the American Categorical Membership Rewards program has many airline and lodge companions to which you’ll be able to switch your reward factors.
For extra particulars, try our full card evaluate for The Platinum Card from American Categorical.
*Efficient February 1, 2025: Eligible Platinum Card Members will obtain 10 Visits per Eligible Platinum Card per yr 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 Categorical
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, it’s best to be capable to get accepted for a lot of the greatest rewards playing cards in the marketplace.
Associated: The way to examine your credit score rating totally free
*The Factors Man credit score ranges are derived from FICO® Rating 8, which is one in all many various kinds of credit score scores. If you happen to apply for a bank card, the lender might use a special credit score rating when contemplating your utility for credit score.
However, it’s vital to understand that you just don’t have only one credit score rating. There are three most important credit score reporting businesses (Experian, Equifax and TransUnion) in addition to two main strategies for calculating credit score scores (FICO Rating and VantageScore). So, you’ll possible 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 kinds of playing cards which can be usually 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 really bank cards. Amex playing cards like The Platinum Card® from American Categorical and the American Categorical® Gold Card don’t include a credit score restrict or preset spending restrict such as you’re used to with bank cards. As a substitute, purchases are authorized on a case-by-case foundation.
Which means that, within the incorrect arms, they may very well 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 occurring, Amex will usually solely approve candidates with glorious credit score.
Associated: Selecting one of the best American Categorical bank card for you
Premium bank cards
Even when they arrive with a set spending restrict, you’ll be able to count on to face stricter approval necessities for the ever-growing listing of premium bank cards. These playing cards supply useful perks and are usually marketed towards greater spenders who, in flip, want a bigger credit score restrict. To be trusted with excessive spending capabilities, these playing cards usually require you to have a excessive credit score rating.
Associated: Why a $500+ per yr bank card isn’t loopy
Tricks to keep 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, briefly, to keep glorious credit score it’s best to keep away from strikes that will improve the perceived chance that you’ll turn into much less financially steady throughout the subsequent two years. However, you don’t have to work towards an ideal 850 rating.
To keep up glorious credit score, it’s best to usually proceed to pay your payments on time, maintain your debt-to-credit ratio low, keep away from closing any accounts you’ve stored open for a very long time and keep away from opening an extreme quantity of recent accounts inside a brief interval. If you happen to’re trying to keep your glorious credit score, you also needs to examine your credit score rating usually.
Associated studying: 8 largest components that influence your credit score rating
Backside line
Having glorious credit score might help you be authorized for a number of the greatest premium rewards bank cards, however glorious credit score may unlock varied different advantages. For instance, greater credit score scores can usually assist you to to qualify for decrease rates of interest in your mortgage.
That’s simply another reason why we at TPG imagine your credit score historical past is of the utmost significance. And in the event you take care of it nicely, you’ll be nicely 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 costs of the Amex Platinum card, click on right here.
For charges and costs of the Amex Gold card, click on right here.
For charges and costs of the Blue Money Most popular, click on right here.