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Credit Cards for Excellent Credit

We search for low rates. Let's see if you qualify. Click now to find Credit Cards that have great benefits, like:

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Credit Cards for Excellent Credit - Understanding The Options

When folks have Excellent Credit, how do they know which Credit Cards to choose when there are so many options? This article will break down a few types of cards to give you a better understanding of the benefits of each:

Cash Back - With a Cash Back card, customers are rewarded with a rebate equal to a percentage of their purchases. For example, if there is a Cash Back option that offers 5% cash back on supermarket, gasoline, and drugstore purchases, as the rebates add up they can be cashed in. If you spend $150 in gas, food, and pharmacy purchases each week, at the end of a year, $390 in rebates would be available.

Rewards Points - Instead of offering cash back, some issuers offer points programs. Customers earn rewards for making purchases. As purchases are made, the rewards add up. Once a specified number of points have accumulated they can be redeemed for perks like free merchandise, gift cards, magazines, etc. Always check to see if the Credit Cards for Excellent Credit you apply for offers rewards.

Gas Rewards - Lenders can be sensitive to the cost of gas and will reward their customers for their purchases by giving them a prepaid gas card. As purchases are made, points are earned. Once a certain number of points are earned they can be redeemed for a prepaid gas card. The funny thing is, with some cards fuel points can be earned when making gas purchases.

Points Toward Free Hotel Stays, Rental Cars or Frequent Flyer Miles - When purchases are made with these cards, redeemable points that can be cashed in for free travel miles are earned. Once a specified number of points are earned, they can be cashed in for discounted or free airline tickets or travel accommodations. These rewards work best for those who travel a lot.

Zero Percent APR Promotions - With these cards, finance charges are not accrued for a certain amount of time. The promotional period usually varies from 6-12 months. Many people use this interest-free period to transfer balances from their high interest Credit Cards to one of these, then pay the balances off within the promotional period. Making timely payments is very important. When one payment becomes past due, most 0% APR rates adjust to a higher rate. Customers that are applying for Credit Cards for Excellent Credit, and are offered a 0% promotion should consider this option.

Secured Credit Cards - People that have a secured card would deposit a cash amount into an interest-bearing savings account. This becomes the card's collateral At that point a credit card is issued with a line of credit in the amount of the deposit. When purchases are made the credit limit decreases, affordable monthly payments are calculated, and a bill is sent. If purchases are made a relatively small monthly payment is expected. Secured Credit Cards are great because they function like regular credit cards allowing customers to do things that debit cards may not, like making travel arrangements such as hotels that generally do not accept debit cards. However, just like prepaid cards approval is usually guaranteed regardless of your credit score. This can help in the rebuilding process because many secured card issuers report your payment schedule and how you keep up with your payments to the credit bureaus. This can be a great way to establish creditworthiness by showing timely payments whether you have Excellent credit or not. After making several consecutive timely payments, many times the limit can be increased without requiring an additional deposit.

Prepaid Credit Cards - With a Prepaid card, you get out of it exactly what you put in. Similar to a checking account, a certain amount of money is deposited into an account and this is your spending limit. When the prepaid credit card balance reaches zero, you can recharge it with an additional deposit. Prepaid credit cards are great for budgeting, they allow people to make online purchases, and they help people that cannot obtain a conventional checking account. Approval is usually guaranteed regardless of your credit score and there is no need for the issuer to deal with the credit bureaus.

With all of the different types of Credit Cards for Excellent credit and rewards that are available, there is something for everyone. Look for Credit Cards that offer rewards that match your lifestyle and spending style. The most important thing is to be sure to make wise purchases and timely payments. Excellent credit is a great asset.

To make sure that you keep building an excellent credit profile, follow these simple rules:

1. Maintain a balance less than the credit limit. In other words, don't "max out". Try to keep a balance that is no more than half of the limit on any Credit Cards for Excellent Credit.

2. Pay your credit card bill on time every month. Even if a minimum payment is all you can afford to make, be sure to pay the bill on time. When payments are made more than 30 days late, it will be reported to the credit bureaus. This negatively affects your credit score. Additionally, customers may also have to pay a higher interest rate as a result of a late payment. Therefore it is wise to make payments.

3. Pay all balances down to zero every few months. When you make purchases, try to take a few months and pay it off at least once a year. Then once your balance is paid off you can feel free to make more purchases and take a few months to pay the balance off again, and keep this cycle going. This process shows the lenders that you are creditworthy. You could also be rewarded with low interest rates, higher credit limits, and a higher credit score.

Our network partners serve one or more of the following states: Alabama * Alaska * Arizona * Arkansas * California * Colorado * Connecticut * Delaware * District of Columbia * Florida * Georgia * Hawaii * Idaho * Illinois * Indiana * Iowa * Kansas * Kentucky * Louisiana * Maine * Maryland * Massachusetts * Michigan * Minnesota * Mississippi * Missouri * Montana * Nebraska * Nevada * New Hampshire * New Jersey * New Mexico * New York * North Carolina * North Dakota * Ohio * Oklahoma * Oregon * Pennsylvania * Rhode Island * South Carolina * South Dakota * Tennessee * Texas * Utah * Vermont * Virginia * Washington * West Virginia * Wisconsin * Wyoming

Credit Cards for Excellent credit are just a few clicks away. Click now to apply for a card that fits your needs.

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