A journalist for nearly 20 years, Brooklyn has published work on a broad range of topics including personal finance and business as well as travel and human interest pieces. As a finance expert, she has provided commentary on credit cards, card rewards and personal finance for outlets including Forbes, Fox Business and many others. Her own wanderlust and travel experiences led to her interest in maximizing credit card rewards and benefits and motivate her to provide easy-to-understand advice and resources designed to help everyday people best match their credit cards to their lifestyle, finances and goals.
Jennifer Doss is a credit card analyst and the executive editor of CardRatings.com. She has worked as both a print and online journalist and has over a decade of experience in the media industry. Her published work has covered a broad range of topics, from finance and technology to travel and dining. Through extensive travel experiences and her personal interest in food, she has come to appreciate the unique rewards and benefits of responsible credit card use, and enjoys helping people understand the ins and outs of the industry. As a finance expert, she strives to provide user-friendly online resources that help everyday people get the most out of their credit cards.
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Why you should trust CardRatings
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.
You don’t have to have an excellent credit score (that’s a Fico score in the 800-850 range) in order to qualify for a credit card. But make no mistake, an excellent credit score carries with it benefits and privileges that can both enhance your quality of life and keep money in your wallet.
For starters, an excellent credit score will help ensure you qualify for the best interest rate a credit card is offering. For example, a credit card says you only need a good credit score (670 or above) for approval and offers an APR of 14.59%-23.59%. With an excellent score, you stand a good chance of securing an APR on the lower end of the scale; while it may still be on the lower end with a good score, it probably won’t be as low. There are even cards out there that offer interest rates in the single digits for cardholders with top credit scores. Depending on your spending habits and the balance you carry from month to month, a low interest rate could save you significant cash each year.
You do need an excellent credit score to qualify for some of the top cards, those featuring the most lucrative cash-back offers, travel rewards, member benefits and luxury perks. You may also qualify for extended 0% APR introductory offers and additional products offered by the financial institution issuing the card.
Take a look at these CardRatings picks for cash back rewards cards for people with excellent credit:
A journalist for nearly 20 years, Brooklyn has published work on a broad range of topics including personal finance and business as well as travel and human interest pieces. As a finance expert, she has provided commentary on credit cards, card rewards and personal finance...Read more
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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.
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Why you should trust CardRatings.com
At CardRatings.com we provide the most up-to-date news and trends within the credit card space. Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 175 cards to help everyday cardholders feel more confident about their card choices. All our content is written and reviewed by industry experts. Though our content may occasionally contain references to products from our partners, we maintain strict editorial integrity and advertiser relationships and compensation never influences ratings, reviews or featured products. The difference between editorial content and advertising must always be clearly stated. Learn more.
