What Are the Top Credit Cards for Excellent Credit in 2019?

As an expert in credit cards, I am pleased to provide a detailed answer to the question of what are the top credit cards forexcellent creditin 2019. Having excellent credit is a significant advantage when it comes to credit cards. It allows you to access some of the best credit card offers, including excellentrewards programs, low-interest rates, and other perks. Here are the top credit cards for excellent credit in 2019:

1. Chase Sapphire Preferred Card: This card offers a generous sign-up bonus of 60,000 points after spending $4,000 in the first three months. Additionally, it earns 2X points on travel and dining and 1X point on all other purchases. The card has anannual feeof $95, which is waived for the first year.

2. Capital One Venture Rewards Credit Card: This card offers a sign-up bonus of 50,000 miles after spending $3,000 in the first three months. Additionally, it earns 2X miles on every purchase, and miles can be redeemed for travel or transferred to airline partners. The card has an annual fee of $95, which is waived for the first year.

3. American Express Platinum Card: This card offers a host of benefits, including airport lounge access, statement credits for travel purchases, and a $200 Uber credit per year. Additionally, it earns 5X points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on the Amex website. The card has an annual fee of $550.

4. Citi Double Cash Card: This card offers 1% cash back on all purchases and an additional 1% cash back when you pay for those purchases. There are no category restrictions or caps on cashback earnings, and the card has no annual fee.

5. Discover it Cash Back: This card offers 5% cash back on rotating categories each quarter, such as gas stations, restaurants, and grocery stores, and 1% cash back on all other purchases. Additionally, Discover matches all cash back earned in the first year. The card has no annual fee.

When applying for a credit card, it is essential to consider your spending habits and lifestyle to determine which card will provide the most significant benefits. It is also crucial to be mindful of the annual fee and any other fees associated with the card. To maximize the rewards and benefits of a credit card, it is essential to pay the balance in full every month and avoid carrying a balance to avoid interest charges.

In conclusion, having excellent credit allows you to access some of the best credit card offers available. The top credit cards for excellent credit in 2019 offer excellent rewards programs, low-interest rates, and other perks. It is essential to consider your spending habits and lifestyle when choosing a credit card and to be mindful of fees to maximize the benefits of the card.