Premium Credit Cards for Excellent Credit

You have made sacrifices, stayed within your budget, managed your bills wisely and now its time to reap the rewards for having excellent credit.

The editors at DirectBanc.com have assembled the web's best list of Premium Credit Cards for Excellent Credit. Each of these cards will require a credit score higher than 700, ample disposable income and no prior late payments. In exchange for that ...

Here you will find:

The Best Reward Programs
The Lowest Interest Rates
The Highest Credit Limits
The Lowest Fees
The Quickest Approval Times

What are Premium Credit Cards for Excellent Credit?

Premium credit cards are the credit cards that you usually see advertised most often. These are the flag-ship credit cards for each credit card issuer. These cards will offer all of the features, all of the perks and the lowest rates within their specific credit card card category.

Not all premium credit cards will have the lowest rates or the lowest fees, though. This is because premium credit cards offer exclusive reward programs that other cards do not offer. These cards may actually have higher rates and fees than other credit cards, however, the rewards programs that you get access to with the premium credit card are second to none.

What is the Difference Between Excellent Credit and Good Credit?

The easy answer here is: the higher the score the better the credit. However, more times than not, the biggest difference between excellent credit and good credit is the length and depth of the credit file. Meaning, a young kid straight out of college with a credit card and car payment could actually have a higher credit score than I do, and my score is pretty good.

The difference is, I have paid off numerous loans, mortgages and credit cards in my credit history. This shows that not only am I managing my credit wisely now, but I have been managing it that way for a long time. So, if I had to put my finger on the one thing that separates the two, it would be the length of time each borrower has in the bureau.

Premium Credit Cards for Excellent Credit

Sub Categories:

Airline Rewards
Business Rewards

Cash Rewards
Regular Cards

Reward Points
Travel Rewards

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Chase Freedom® Visa - $200 Bonus Cash Back

Earn $200 Bonus Cash Back after you make $500 in purchases in your first 3 months
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
No Introductory Rate Available for	15.99% - 22.99% Variable	$0	Reward - Cash	Excellent

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Chase Sapphire℠

Limited Time Offer! - Earn 25,000 bonus points after you spend $3,000 in the first 3 months - that's $250 toward a flight or any other reward!
2 points per dollar spent on dining & 1 point per dollar spent on all other purchases.
Points never expire and there are no limits on how many points you can earn
Redeem points for travel, gift cards, merchandise, cash back and more
24/7 direct access to expert service advisors (No voice recording)
No annual fee!

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
No Introductory Rate Available for	15.24% Variable	$0	Reward - Travel	Excellent

Capital One VentureOne(SM) Rewards Credit Card

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Capital One® VentureOne℠ Rewards Credit Card

1.25 miles per dollar on every purchase, every day
Earn 10,000 bonus miles, equal to $100 in travel
Redeem miles for airline tickets, hotel rooms, car rentals and more
No limit on the miles you can earn and miles won't expire
Fly free on any airline, any time with no blackout dates
0% intro APR on purchases until February 2013
No foreign transaction fees
No annual fee

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
0% Intro on Purchases until February 2013 for Purchases	11.9% - 19.9% (V)	$0	Reward - Airline	Excellent

Capital One Venture(SM) Rewards Credit Card

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Capital One® Venture℠ Rewards Credit Card

Money® Magazine's "Most Rewarding Card if you crave free airline flights"
2 miles per dollar on every purchase, every day
Earn 10,000 bonus miles, equal to $100 in travel
Redeem your miles for ANY travel expense
No limit on the miles you can earn and miles won't expire
Fly free on any airline, any time with no blackout dates
No foreign transaction fees
$0 intro annual fee for the first year; $59 after that

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
No introductory information available for	11.9% - 19.9% (V)	$59	Reward - Airline	Excellent

Capital One Platinum Prestige Credit Card

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Capital One® Platinum Prestige Credit Card

0% intro APR until May 2013 on balance transfers
0% intro APR until May 2013 on purchases
No annual fee
$0 Fraud Liability if your card is lost or stolen
24-hour travel assistance gives you a replacement card and cash advance
24-hour roadside assistance
Pick an image for your card - choose the one shown here, any of the hundreds in our collection or add your own

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
0% Intro on Purchases and Balance Transfers Until May 2013 for Purchases, Balance Transfers	10.9% - 18.9% (V)	$0	Regular	Excellent

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Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR

Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
0% Intro APR for 12 months on balance transfers and 6 months on purchases
5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
Unlimited 1% Cash Back on all other purchases
Up to an additional 10% Cash Back when you shop online at select merchants through Chase
No annual fee and rewards never expire

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
12 months on balance transfers, 6 months on purchases for Purchases, Balance Transfers	As low as 11.99% Variable	$0	Reward - Cash	Excellent / Good

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American Express(R) Premier Rewards Gold Card

Membership Rewards(R) bonus: 15K points, redeemable for select gift cards valued at $150, when you spend $1,000 in your first three months of card membership
Membership Rewards(R) points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else
Exclusive access to Gold Card Destinations and events - Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide
Introductory annual fee of $0 for the first year, then $175
Get approved in 60-seconds.

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
N/A for	N/A	Introductory annual fee of $0 for the first year, then $175	Rewards

Gold Delta SkyMiles(R) Credit Card from American Express

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Gold Delta SkyMiles(R) Credit Card from American Express

Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
$0 intro annual fee for the first year, then $95
Check your first bag FREE - for up to 9 people on your reservation - on every Delta flight
Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
Priority Boarding and 20% In-Flight Savings

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
None for	15.24% - 19.24% Variable	$0 intro annual fee for the first year, then $95	Airline Rewards	Very Good

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Miles by Discover® Card

Earn up to $120 in travel rewards--1,000 Bonus miles every month you make a purchase for the first year
1 Mile on every $1 you spend - Plus flexible redemption options like travel credits, merchandise, gift cards or cash
0% intro APR on purchases and balance transfers for 6 months, then the variable standard purchase APR of 10.99% - 16.99%*
No restrictions on travel--fly on any airline, book any hotel or car, with no blackout dates
Travel benefits include secondary collision damage insurance when you rent a car with your Miles by Discover card
Discover is ranked #1 in customer loyalty--15 years in a row! (2011 Brand Keys Customer Loyalty Engagement Index report)
Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
*Click apply to view rates, fees, rewards, limitations and other important information

Intro Offer	Regular APR	Annual Fee	Category	Credit Type
0% APR for 6 Months* for Purchases, Balance Transfers	10.99% - 16.99% (V)*	$0	Reward - Travel	Excellent/ Good

Articles for Premium Credit Cards for Excellent Credit

Is Credit Card Frugality a Thing of the Past?

The recession seems to be taking a back seat as more people pull out their credit cards to pay for everyday items. According to The Christian Science Monitor, consumers racked up a total of $64 billion in credit card debt for the year 2011, and January 2012 has already seen an increase in credit card [...]

European Debt Crisis: What Effect Will it Have on Credit Card Rates?

For much of the last couple of years, most of us have paid little attention to the brewing financial problems of Europe, not because they weren’t that significant, but primarily because we have our own problems here at home. Although we are still neck deep in debt, deficit and recession worries, it’s becoming increasingly difficult [...]

Consumer Bureau of Financial Protection; Good for Consumers, or Just Another Bureaucracy?

Among the myriad of new financial reform measures mandated by the Dodd-Frank bill two years ago was the creation of the Consumer Bureau of Financial Protection, a watchdog agency with the responsibility of ensuring that financial companies are following the law in their lending practices. Specifically, it is tasked with ensuring that all financial companies [...]

Editor's Choice

Capital One® Platinum Prestige Credit Card