2019 Best Offers For Credit Cards If Your Credit Score Is Excellent

It is now 2019, and you have worked hard on your credit score and financial habits if your credit score is excellent or higher. If excellent credit is a new thing for you, or even if you have had excellent credit for years, you should be aware that the credit card industry is very very competitive. These companies compete hard for your business. so every single year the offers just get better and better. Have you compared credit cards lately for offers for those with excellent credit? You might very well be missing out on better rewards, lower interest or better perks. We have poured over the most recent offers the industry has to offer for those with excellent credit, and have ranked these offers according to overall value.

Citi® Diamond Preferred® Card

This credit card for those with excellent credit offers tons of value to any savvy consumer. To start with they offer some pretty sweet rewards. Their rewards program offers Citi Easy Deals Points for shopping online through Citi Easy Deals. You can redeem these points online for gift cards, merchandise and great local deals. While this is not a standard rewards program, and you only earn the points via shopping online, its still a sweet reward program. You also get a nearly unheard of Intro Purchase APR of 0% for 21 Months. This card has no annual fee, so there is no reason not to add this card to your credit card portfolio. The perks alone make this card worth having, such as their 24/7 concierge service or interest rates as low as 12.24%. Perks also include lost luggage reimbursement, auto rental insurance, flight accident insurance, extended warranty programs, and purchase protection. If you tend to carry high balances, this is the perfect credit card to carry in your wallet or purse.

reduce interest with zero percent cards

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Capital One® VentureOne® Rewards Credit Card

This credit card for those with excellent credit offers interest rates as low as 11.99%, making this the perfect credit card for those who carry high credit card balances. There is also a rewards program where you earn 1.25 miles per dollar spent, with no caps. To sweeten the deal, there is no annual fee to cut into your rewards potential. Rewards can be used for any travel expenses, with no blackout dates, so travel when you want, on your own terms. Your miles also never expire, so you can rack them up for years then cash them in for a dream vacation. You also free gain access to Capital One’s credit tracker, which can alert you via text or email to any changes to your credit score.

Chase Slate
If you have a balance on an older, higher interest bearing credit card, this credit card for those with excellent credit offers you a $0 balance transfer fee, provided that you make any balance transfers within 60 days of opening up the account. You also receive an 0% Introductory APR for 15 months on purchases and balance transfers, giving you more than ample time to knock out any balances without incurring any pesky interest charges. If that was not enough there is also debt management tools and budgeting help available. It also has no annual fee, which makes this the perfect credit card if you have had some debt problems in the last year or two, following the most recent recession, yet managed to keep your credit score intact. The down side of this card is the lack of rewards, it is more geared towards debt management. Also beware of the 5% cash advance fee, if you are the type to use cash advances. Overall a useful card for debt management, without the frills of a rewards card.