These Are The Top 7 Credit Cards For People With Excellent Credit

If you're someone with excellent credit, consider yourself lucky: Banks are going to great lengths to make you their new credit-card customer, and they're offering unprecedented deals that could save you a lot of money.

Since the 2008 financial crisis, banks have been cautious about acquiring customers with questionable credit. But they're actively trying to get people with excellent credit - anyone with a credit score of 750 or higher - to use their cards.

NextAdvisor.com, a consumer information site that reviews credit cards from all major issuers to help consumers save money, compiled the top seven credit-card offers specifically for people with excellent credit.

1. Blue Cash Preferred Card from American Express

Why you should get it: This is a great cash-back card featuring up to 6% in cash-back rewards and a 0% intro APR. It's particularly appealing to those who spend a decent amount on groceries and gas, as they'll get a lot of bang for their buck.

What to know:

• Earn 6% back at supermarkets (on up to $6,000 in purchases annually), 3% at gas stations and select department stores like JCPenney, Sears, Kohl's, Nordstrom, and Macy's, and 1% cash back on the rest of your purchases.
• $100 intro bonus and one year of Amazon Prime after spending $1,000 in the first three months.
• $75 annual fee.

If you want a similar card with no annual fee, check out the Blue Cash Everyday Card from American Express, which has the same 15-month 0% APR but lower cash-back rates and a slightly reduced intro bonus.

2. Chase Slate

Why you should get it: This card was made with credit-card-balance consolidation in mind. NextAdvisor discovered that it's the only card with both a lengthy 0% introductory APR and no balance-transfer fee. You shouldn't be paying any credit-card interest if you have excellent credit, so get this card and transfer your balances.

What to know:

• 0% 15-month APR on balance transfers and purchases.
• No balance-transfer fees during the first 60 days of card membership.

3. Citi Simplicity

Why you should get it: If you're interested in transferring balances from other high-interest credit cards or making a large purchase (or several purchases), this is the perfect card for you. Citi Simplicity lets you make big purchases and then carry that balance into 2016 without paying any interest.

What to know:

• 18-month 0% intro APR for purchases and balance transfers.
• No late fees or annual fee.

4. Barclay Arrival Plus World Elite MasterCard

Why you should get it: This is an ideal card for frequent travelers. Not only is there a generous intro bonus, but the ongoing rewards are substantial. Plus it's easy to use your earned miles: Just book your travel and then redeem your miles for a statement credit against your travel costs.

What to know:

• Earn 2x miles on all purchases. Miles don't expire as long as your account is open, active, and in good standing.
• Get a 10% bonus on all miles you redeem for travel. (That means if you redeem 40,000 bonus miles for travel, they'll be worth 44,000 miles or $440.)
• $89 annual fee that is waived the first year.
• No foreign-transaction fees.

5. Citi Double Cash Card

Why you should get it: This newly launched card offers a unique twist on earning unlimited an 2% cash-back rewards on all purchases. The first 1% cash back is issued when you purchase the items. You'll receive the second 1% cash back after you've paid for your purchases. As long as you're paying the minimum due each month, you can take as long as you want to pay off your balance and get the additional 1% cash back.

What to know:

• Effective 2% cash back on all purchases.
• 15-month 0% APR on purchases and balance transfers.
• No annual fee or caps on the cash-back rewards you can earn.

6. BankAmericard Cash Rewards Credit Card

Why you should get it: This is a solid cash-back rewards card that has it all: cash back, an extra cash-back bonus, a lengthy 0% intro APR, and no annual fee.

What to know:

• Earn 3% cash back on gas, 2% on grocery stores (for the first $1,500 in combined grocery and gas purchases each quarter), and 1% on everything else.
• $100 cash back after spending $500 in the first three months.
• 12-month 0% APR on balance transfers and purchases.
• No annual fee.

7. Chase Sapphire Preferred

Why you should get it: This is a rewards cards with lots of flexibility, a generous point bonus, and travel perks. Redeeming your points through Chase Ultimate Rewards saves 20% off travel costs, and you can also redeem your points for cash back, gift cards, and merchandise.

The best part is that you can transfer your points 1:1 to many frequent travel programs with no transfer fees, including United MileagePlus, SouthWest Rapid Rewards, Hyatt Gold Passport, and Marriot Rewards - perfect for anyone who is a member of various partner programs.

What to know:

• Earn 2 points for each dollar spent on travel and dining out, as well as 1 point per dollar on all other purchases.
• $95 annual fee, but it's waived the first year.
• 40,000-point bonus after you spend $4,000 in the first three months (equal to $500 in travel rewards).

Learn more about which credit card is right for you.

This post is based on an article originally published on NextAdvisor.

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