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Top Credit Cards for Excellent Credit

 
 
 

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Top Credit Cards for Excellent Credit

Search now to find affordable interest rates, for which you may qualify. Get started now to get Top Credit Cards that offer terrific benefits, such as:

  • Low Interest Rates
  • Cash Back Programs
  • Hotel Rewards
  • Bonuses
  • Balance Consolidation

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Top Credit Cards for Excellent Credit - Knowing The Options

When individuals have Excellent Credit, how do they know which Top Credit Cards to pick when there are so many possibilities? The information below will discuss a few types of cards to provide a helpful outline of the benefits of each:

Cash Back - With a Cash Back card, you may be offered a rebate equal to a fraction of their purchases. For example, if a customer has been approved for a Cash Back option that awards five percent cashback on food, gas, and drugstore purchases, as the rebates add up they can converted to cash. If you pay $150 in gasoline, supermarket items, and drugstore items every 5-7 days, by the completion of a year, about four hundred dollars in cash back rewards would have accumulated.

Rewards Points - Instead of offering cash back, some issuers offer points programs. Customers earn rewards every time the card is used. As purchases are made, the points increase. When you earn enough points they can be cashed in for great stuff, such as free merchandise, gift cards, magazines, etc. It is smart to be aware of whether or not the Top Credit Cards for Excellent Credit you are considering offers rewards.

Fuel Rewards - Credit card issuers are often times considerate of the cost of gasoline and will compensate consumers for their purchases by giving them a free gasoline card. As the card is used, points are accumulated. Once you have completed enough transactions to accumulate a certain amount of points they can be redeemed for a free prepaid fuel card. The funny thing is, with some cards redeemable fuel rewards can be accumulated when buying gas.

Reward Points Toward Free Hotel Stays, Rental Cars or Frequent Flyer Miles - When purchases are made with these cards, free travel points are earned. Once a certain number of points have been accumulated, they can be applied toward all kinds of travel arrangements including free air travel. This kind of card is great for business travelers.

0% Introductory Interest Rates - In the beginning when these credit cards are utilized, there are no finance charges that are applied. This time period typically lasts anywhere from 6-12 months. Most times, customers are advised to utilize this interest-free period to move balances from their interest bearing Top Credit Cards to one of these and create a personal budget that allows them to pay the whole thing off without having to pay any finance charges. Making monthly payments on time is especially crucial. When a single payment becomes past due, typically zero percent APR rates are changed to another rate. Customers that are applying for Top Credit Cards for Excellent Credit, and have the chance to get a 0% introductory rate ought to choose this opportunity.

Secured Cards for Building Credit - Individuals with one of these would insert a certain amount of money into a secure account that accumulates interest. This account serves as the security for the issuer. Then, a card is extended to the applicant with a spending limit equal to the opening balance of the interest bearing account that was created. Every time you use it the credit limit decreases, low rate regularly scheduled payments are calculated, and a bill is is mailed. If the card is active low monthly payments will become due. Secured Cards for Building Credit are good because they operate the same as standard credit cards allowing customers the freedom to book travel arrangements like rental cars that generally do not accept consumer checking account cards. For those with bad credit approval is usually guaranteed no matter what. This can help in the rebuilding process because most credit-rebuilding card issuers report your payment schedule and how you keep up with your payments to be added to your credit profile. This is a fantastic practice to establish creditworthiness by showing regular payments whether you have Excellent credit or not. After paying a certain number of payments on or before their due date, many times the limit can be increased without asking for additional collateral.

Reloadable Prepaid Credit Cards - With a Reloadable Prepaid card, purchases can be made without interest, fees, or finance charges. Just like a checking account, you put money in and that becomes the amount that can be spent. When the prepaid card balance is used up, simply put more cash into the prepaid account and your card will be ready for use once again. Prepaid cards are good as gifts, they offer the kind of flexibility that debit cards have, and they are a great solution for those that cannot get a typical bank account. Fast approval is generally granted regardless of your FICO profile and there is no need for the bank that issues the prepaid cards to send any inquiries to the credit bureaus.

With all of the various kinds of Top Credit Cards for Excellent credit and incentives that are offered, there is something for everyone. Seek Top Credit Cards that make sense for your situation that will allow you to control your spending habits. Stay smart and always stay within your credit limit and make your payments on time every month. Awesome credit is an awesome asset.

To be certain that you keep cultivating an awesome credit report, follow these few directions:

1. Maintain your bill lower than the card's limit. In other words, don't "go crazy". The banks encourage their cardholders to maintain a balance that is generally forty to fifty percent of the available balance on any Top Credit Cards for Excellent Credit.

2. Pay the bill on time. Even if a small payment can be made, pay it. If the bill is paid 30 days after the due date, it may be reported to the credit reporting companies. This has adverse affects on the consumer's credit report. Additionally, when this happens you may also experience a higher interest rate as a consequence of a single tardy payment. Thus it is smart to stay on top of the bill.

3. Pay the balance in total every so often. When purchases are made, do your best to bring the balance to zero as many times a year as possible. Then once your balance is paid off go ahead and begin creating transaction activity (like buying gas, shopping online, or making purchases) then after a couple of billing cycles, pay the whole thing off just like you did before, and don't stop this habit. This approach indicates to the issuing companies that you are a great customer. Some other perks you could get when you repay in this way are a lower interest rate, a higher credit max, and a more favorable credit report.

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Top Credit Cards for Excellent credit are simple to apply for. Click now to apply for a card that fits your needs.

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