Monthly Archives: January 2019

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.

How Many Credit Cards Does Capital One Offer

Capital One is a Fortune 500 bank holding company that specializes in consumer credit cards. Originally founded in 1988 by Richard Fairbanks, Capital One entered the mass credit card market in the late 1990s. Since then they have grown to become one of the most widely recognized credit card brands in the world. Capital One currently offers 12 different credit cards, each with its own requirements and contract terms.

The Venture

The two Venture Visa programs offer a faster way of accumulating travel rewards. While standard travel reward cards offer 1 mile for every dollar spent the Venture Rewards card offers 2 miles per dollar purchased. The Venture One card accumulates points at a lower rate, 1.25 miles per dollar purchased, in exchange for lower APR rates. Holders of both cards can redeem points for any travel expenses and have no blackout dates or seat restrictions for redemption.

The Platinum

The Platinum line of MasterCards each offer the cardholder zero dollar fraud liability, extended warranty on purchases, and automobile rental and travel accident insurance when the card is used for payment. The main difference between the Platinum cards are the APR rate, annual fee and the credit score needed to qualify. The Platinum and Classic Platinum are both cards for individuals with average credit ratings. The Platinum offers a lower annual, but the Classic Platinum has a lower APR rate. The Prestige Platinum for those with excellent credit ratings offers the lowest APR and no annual fee.

The QuickSilver

Both QuickSilver Rewards cards offer all of the same benefits as the Platinum line with similar APR and annual fees, but the QuickSilver One Rewards MasterCard also offers 1.5% cash back on every purchase. The cashback rewards earned can be redeemed at any time and never expire. The QuickSilver Rewards Visa, for those with excellent ratings, has a lower APR and no annual fee. It features all of the benefits and rewards, but has extended benefits including travel upgrades, 24 hour concierge service, and special access to events and shopping discounts.

The Journey Student Rewards

The Journey Student Rewards Card is a card especially designed for students with limited credit who are trying to build their credit history. The Journey Card features the same benefits as the Platinum line, but it also features 1% cashback on all purchases, no annual fee and lower than normal APR rate. To reward responsibility among new credit card users a 25% bonus on the cash back earned is given every month for on time payment for a total of 1.25% cash back

The Spark

The Spark cards are Capital One’s business rewards cards. Each features different rewards. The cashback rewards cards are the Spark Cash for Business and the Spark Classic for Business which offers 2% and 1%, respectively, for all purchases made. The Spark Miles for Business offers 2 reward miles for each dollar purchased.