Excellent Credit
These credit cards are for people who have excellent credit. Our objective opinion is included on each card.
1. Capital One® No Hassle Miles(SM) Rewards - Excellent Credit
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| Interest Rate*: | 13.90% Variable |
|---|---|
| Intro Rate: | 0% on Purchases Until November 2010 |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until November 2010. See terms and conditions for complete details.
Our Opinion: The Capital One® No Hassle Miles(SM) Rewards - Visa® Excellent 1x - 2x Miles Rewards is for people with excellent credit and is by far one of the best and least costly airline reward cards available. Through the rewards program, cardholders earn 1 mile per dollar spent on all purchases and two miles for each dollar spent above $1,000. Earn unlimited miles; miles do not expire. Miles are redeemable for flights on any airline with no blackout dates. Also redeem for travel, merchandise, and gift certificates. Miles can also be donated to participating charities. No annual fee. No foreign transaction fee.
2. Citi® Platinum Select® MasterCard®
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| Interest Rate*: | As low as 11.99% V |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: The introductory rate is available on purchases and balance transfers for 6 months.
Our Opinion: An attractive card if you have good or excellent credit. Offers 0% interest rate for up to 6 months on purchases and balance transfers. No annual fee. Balance transfer fee is 3% ($5 minimum, no maximum). Platinum cardholder benefits include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit)
3. Discover® More(SM) Card
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| Interest Rate*: | As low as 11.99% |
|---|---|
| Intro Rate: | 0% Intro APR |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR on balance transfers for 6 months, and a 0% introductory APR on purchases for up to 6 months. See terms and conditions for complete details.
Our Opinion: Created for those with very good credit who want a cash reward card. Enroll to earn 5% Cashback Bonus® in categories like travel, gas, restaurants, home, apparel, and movies (categories rotate every 3 months). Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* Redeem in $50 increments; no limit for amount earned. Double your Cashback Bonus® when you redeem points with partners such as AMC Theaters, Borders Books and Music, Pier 1, Gap and Red Lobster. Benefits include travel accident insurance, auto rental insurance, and various security and fraud protection services. This card will benefit those who pay off their balance each month, spend at least $3,000 a year (to receive the 1% cash rebate) and use their cashback awards at participating retailers (to receive double cash rebates).
4. Miles by Discover® Card
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| Interest Rate*: | as low as 11.99% |
|---|---|
| Intro Rate: | 0% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: *There is a 0% introductory APR on purchases and balance transfers for 6 months. See terms and conditions for complete details.
Our Opinion: Created for those with good credit who want a travel reward card with a low interest rate. Earn 1 mile per $1 spent on regular purchases. Redeem miles for reduced or free airfare most major U.S. airlines (no blackout dates). Receive 12,000 bonus miles. Double Miles on up to $3,000 in restaurant and travel purchases each year. Earn up to 60,000 miles per year; unused miles will expire in 3 years if the account is inactive. 30,000 miles for round-trip coach ticket. You can also redeem miles for cash, merchandise or gift cards such as $100 Home Depot gift card (14,400 miles) or 1 night stay at a Marriott Hotel (14,900 miles). Benefits include travel accident insurance (up to $500,000), and auto rental insurance. This card will benefit those who will spend over $3,000 per year (to get the 1% cash rebate), and will pay in full each month. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
5. Capital One® No Hassle Miles(SM) Ultra - For Professionals
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| Interest Rate*: | 13.90% Variable |
|---|---|
| Intro Rate: | 0% on Purchases Until November 2010 |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | $39 |
Special Offers: A 0% introductory rate is available on purchases until November 2010. See terms and conditions for complete details.
Our Opinion: Created for professionals with excellent credit who want to earn airlines miles or gift cards rewards. One of the most generous reward offers: 2 miles per $1 spent on all purchases. Earn unlimited miles each year; miles do not expire. Use miles on any airline, anytime. There are no seat restrictions or blackout dates. Miles may also be redeemed for travel, merchandise, and gift cards. Benefits include purchase insurance and emergency roadside assistance. No foreign transaction fee. Offers concierge services.
6. Simmons First Visa Platinum
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| Interest Rate*: | 7.25% Variable |
|---|---|
| Intro Rate: | None |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | None |
Special Offers: No transaction fee for balance transfers.
Our Opinion: You must have EXCELLENT credit to qualify or you will be rejected. This card also has a low cash advance rate. Benefits include travel insurance and auto rental insurance.
7. Discover® Motiva(SM) Card
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| Interest Rate*: | as low as 11.99% |
|---|---|
| Intro Rate: | 3.99% Intro APR* |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: There is a 3.99% introductory APR* on purchases for 6 months and a 3.99% introductory APR* on balance transfers for 12 months. See terms and conditions for complete details.
Our Opinion: Created for those with good credit who carry a balance, pay on time, and want to earn cash for their purchases. Extended low rate for balance transfers. Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* Earn unlimited rebates; rebates do not expire if there is activity within a 36-month period. Cardholders who make 6 on-time payments in a row qualify for a pay-on-time bonus that provides a credit toward the payment of their next month's interest. The bonus is available twice a year when monthly payments are received on time. Benefits include auto rental insurance and up to $500,000 in travel accident insurance. This card will benefit those who will spend over $3,000 a year (to earn the full 1% cash rebate), plan to use the card for balance transfers, and pay on time every month. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
8. IberiaBank Visa® Platinum Rewards Card
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| Interest Rate*: | As low as 9.75%* |
|---|---|
| Intro Rate: | 1.99% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of your account open date.
Our Opinion: Created for those with very good credit who will use the reward program. Earn 1 point per $1 spent. Use points for travel and gift certificates for participating merchants. Low interest rate for purchases and cash advances, for those who qualify. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
9. IberiaBank Visa® Gold Cash Back Rewards Card
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| Interest Rate*: | As low as 9.75%* |
|---|---|
| Intro Rate: | 1.99% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Low Introductory APR on balance transfers for your first 6 billing cycles. Applies to balance transfers processed within three months of the account open date.
Our Opinion: Created for those with very good credit who want a cash reward card. Earn 1% rebate per $1 spent. Earn unlimited rebates; rebates do not expire. Low interest rate for those qualify. Same low rate for cash advances. Benefits include travel accident insurance. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
10. IberiaBank Visa® Classic Card
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| Interest Rate*: | As low as 8.75%* |
|---|---|
| Intro Rate: | 1.99% APR for 6 Months |
| Grace Period: | 25 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Low Introductory APR on balance transfers for the first 6 billing cycles. Applies to balance transfers processed within three months of the account open date.
Our Opinion: Low-rate Visa card created for those with average credit who sometimes carry a balance. Assigned Purchase and Cash Advance APR may vary depending on your creditworthiness and other factors.
11. Discover® More(SM) Card- American Flag
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| Interest Rate*: | as low as 11.99% |
|---|---|
| Intro Rate: | 0% Intro APR |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR on balance transfers for 12 months. See terms and conditions for complete details.
Our Opinion: Created for those with very good credit who want a cash reward card. Enroll to earn 5% Cashback Bonus® in rotating categories like home, gas, restaurants, travel, movies, etc. Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* Purchases made at warehouses and discount stores and earn .25%. Earn double Cashback Bonus® for using your rebate for gift certificates from Discover Card Partners. Earn unlimited rebates each year. Benefits include up to $500,000 in travel accident insurance, and auto rental insurance. This card will benefit those who will spend over $3,000 per year (to get the 1% cash rebate), and will pay in full each month.
12. Simmons First Visa Platinum Rewards
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| Interest Rate*: | 9.25% Variable |
|---|---|
| Intro Rate: | None |
| Grace Period: | 25 Days |
| Credit Limit: | N/A |
| Annual Fee: | None |
Special Offers: No transaction fee for balance transfers.
Our Opinion: Created for those with excellent credit who want a choice of rewards. Receive 1 point per $1 spent with this card. Redeem points for a flight on any U.S. based airline, no black out dates, and choice of ticket class. May also redeem points for hotels, cruises, vacation packages, restaurants, and car rental. Benefits include travel insurance and car rental insurance.
13. Chase Sapphire(SM) Card
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| Interest Rate*: | Prime+8.99% Variable |
|---|---|
| Intro Rate: | No Introductory Rate Available |
| Grace Period: | 20 Days |
| Credit Limit: | N/A |
| Annual Fee: | None |
Our Opinion: Created for those with good credit who want a reward card with plenty of options. 10,000 bonus points after first purchase. Earn 1 point per $1 spent; 2 points per $1 spent on airfare booked through Ultimate Rewards. Earn unlimited points. Points do not expire. Book flights on most major airlines, no black-outs or restrictions. Cash-back rewards start at 5,000 points for $50. Redeem for gift cards starting at 2,500 points. Gift card for restaurants, retailers, movie theaters, theme parks, etc. Benefits include trip cancellation insurance, travel accident insurance, travel and emergency services, auto rental collision damage waiver.


