When you always pay your bills on time, and have little debt, you need to be using one of the credit cards for excellent credit. If you are the type of credit card user who avoids interest charges by paying your statement balance on-time every month, then you should be looking for the card with the best rewards and benefits. But if you do carry a balance from time to time, then you should place a higher priority on finding credit cards for excellent credit that have the lowest interest rate and the most valuable promotional financing offer.
Chase Freedom Unlimited℠
Chase Freedom Unlimited℠ is a perfect credit card to have on-hand for everyday spending. Instead of having to worry about rotating categories or earning more cash back in certain categories, you get a flat 1.5% cash back on every single purchase. And, if you spend $500 within the first three months of account opening, you'll receive a $150 sign-up bonus. There is no annual fee for this card. Learn more about this card.
Citi AAdvantage Platinum Select
This mid-level airline mileage card offers one mile per Dollar spent, and double miles for purchases from United and US Airways. It also features plenty of perks and benefits including a free checked bag on American and US Airways flights for up to five people on one reservation. You also get priority boarding on American and US Airways flights, as well as a 25% savings on in-flight food and beverages. Finally cardholders receive 10% of their redeemed AAdvantage miles back, up to 10,000 per year. There is a $95 annual fee that is waived the first year. Learn more about this card.
For those who are trying to reduce the cost of fees and interest charges, Simplicity offers 21 months of 0% APR financing on both new purchases and balance transfers, with a 3% balance transfer fee. In addition, Simplicity lives up to its name by imposing no late fees or penalty interest rates. There is no annual fee for this card. Learn more about this card.
Another top card for reducing interest charges is the Chase Slate which features 15 months of 0% APR financing on both new purchases and balance transfers, but with no balance transfer fees. Slate cardholders can use Chase's Blueprint program to save money on interest charges. Slate also has no annual fee or penalty interest rate, and comes with a free monthly FICO score and Credit Dashboard. Learn more about this card.
United MileagePlus® Explorer Card
This card offers one mile per Dollar spent, and double miles for United purchases. Travelers receive their first checked bag for free, priority boarding, and access to any available seat as an award, albeit at the higher standard award price. But in addition, as a cardholder you also receive access to more saver award inventory than others do. There is a $95 annual fee for this card, and no foreign transaction fees. Learn more about this card.
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