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Points Credit Cards for Excellent Credit

 points credit cards for excellent credit

Narrow Your Search for an Excellent Credit Points Credit Card

Points credit cards for excellent credit are the most lucrative points credit cards on the market (both in terms of rewards earned per dollar spent and initial bonuses), given that they are catered just to people with FICO scores above 720 (the most responsible credit users). While the points you earn with these cards can be redeemed for a variety of things, including cash, you will get the most bang for your buck by redeeming them for the goods or services most closely associated with the card’s branding. What’s more, since credit card companies tend to compete fiercely over people with excellent credit and use rewards to woo them, it pays to periodically check for new points credit cards for excellent credit with attractive intiial bonuses, as simply opening one of these cards and using it for a couple months can get you enough points for a free flight or hotel stay. Last but not least, keep in mind that that the risk of rewards devaluation is always present with points cards, so if you think you might want a more hassle-free rewards card, you should also check out cash back credit cards for people with excellent credit.

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    4.5

    Chase Sapphire Preferred® Card

    chase sapphire preferred credit card
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 15.24% (V)
    Annual Fee None 1st yr, $95 after
    Rewards Points
    Initial Bonus 40,000 points
    Base Earn 1 point / $1
    Max Earn 2 points / $1
    • 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!
    • 2 points per dollar spent on travel and dining at restaurants & 1 point per dollar spent on all other purchases.
    • Get 20% off airfare, hotels, car rentals and cruises when you redeem through Ultimate Rewards℠.
    • Receive a 7% Annual Points Dividend on all new points earned on purchases - even on points already redeemed.
    • 1:1 point transfer to leading frequent travel programs - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.

     
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    4.5

    Chase Sapphire® Card

    chase sapphire credit card
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 15.24% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 10,000 points
    Base Earn 1 point / $1
    Max Earn 2 points / $1
    • 10,000 bonus points after you spend $500 in the first 3 months - that's $100 toward travel rewards!
    • 2 points per dollar spent at restaurants & 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.

     
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    3.5

    Citi ThankYou® Preferred Rewards Card

    citi thank you preferred credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee $0*
    Rewards Points
    Initial Bonus 15,000 points
    Base Earn 1 point / $1
    Max Earn 1 point / $1
    • Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 in gift cards or other great rewards!
    • Earn 1 ThankYou Point for every $1 you spend on all purchases.
    • Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love.
    • No expiration and no limit on the points you can earn.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    2.5

    Barclays Rewards Credit Card - Excellent Credit

    barclays rewards credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3%
    • Regular Rate 14.99% - 24.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 5,000 points
    Base Earn 1 point/$1
    Max Earn 2 points/$1
    • Earn 5,000 Bonus points after your first purchase - enough for $50 cash back.
    • Earn 2 points per $1 on gas, grocery and utility purchases.
    • Earn 1 point per $1 everywhere else
    • Redeem for flights, shopping, dining and more.
    • Use your points like cash to pay for any purchase you've made.

     
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    4

    Blue Sky from American Express®

    blue sky credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers Not Offered
    • Regular Rate 17.24% - 22.24% (V)
    Annual Fee $0
    Rewards Points
    Initial Bonus 7,500 points
    Base Earn 1 point / $1
    Max Earn 1 point / $1
    • Welcome Bonus: earn 7,500 points after you spend $1,000 within the first 3 months of Cardmembership - redeemable for a $100 statement credit.
    • Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
    • Unlimited Travel Options: Travel with any airline, hotel, cruise, car rental and travel package - with no blackout dates.

     
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    4

    American Express® Gold Card

    american express gold card
    Charge Card :
    • Balance must be paid in full every month
    • Regular RateNot Applicable for Charge Cards
    Annual Fee None 1st yr, $125 after
    Rewards Points
    Initial Bonus None
    Base Earn 1 point / $1
    Max Earn 1 point / $1
    • Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite merchants.
    • Get discounts and low rates at hotels and resorts, plus a $75 hotel credit when you book through Gold Hotel Collection.

     
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    2.5

    Citi ThankYou® Card

    thank you credit card
    Rates:
    • 0% on Purchases 15 months
    • 0% on Transfers 15 months ;   Fee.....3% (min $5)
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee $0*
    Rewards Points
    Initial Bonus None
    Base Earn 1 point / $1
    Max Earn 1 point / $1
    • Earn 1 ThankYou Point for every $1 you spend on purchases.
    • Enjoy no limit on the number of points you can earn.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

     
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    3.5

    Citi® Hilton HHonors® Visa® Gold Card

    Hotel Credit Card Hilton Hhonors
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 14.24% or 16.24% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 40,000 points
    Base Earn 2 points / $1
    Max Earn 6 points / $1
    • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
    • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
    • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
    • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*

     
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    2.5

    Citi® Hilton HHonors™ Reserve Card

    Hilton Hotel Reserve Credit Card Offer
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers Not Offered
    • Regular Rate 15.24% (V)
    Annual Fee $95
    Rewards Points
    Initial Bonus 2 Weekend Nights
    Base Earn 3 points / $1
    Max Earn 10 points / $1
    • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*
    • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
    • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
    • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
    • Earn an anniversary bonus of 1 weekend night certificate at select hotels and resorts within the Hilton HHonors portfolio each cardmembership year with qualifying purchases*
    • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*

     
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    3.5

    Fidelity 529 Credit Card

    fidelity 529 credit card
    Rates:
    • 0% on Purchases Not Offered
    • 0% on Transfers 7 months ;   Fee.....4%
    • Regular Rate 13.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus None
    Base Earn 2 points / $1
    Max Earn 2 points / $1
    • Earn 2 points for every dollar in net retail purchases charged to the Card.
    • For every $2,500 in purchases you make, you earn 5,000 points, which can be automatically redeemed for a $50 deposit to your designated Fidelity 529 account each time you meet this minimum.
    • There's no limit to the rewards you can earn.
    • You can also enjoy the flexibility to redeem points into other Fidelity accounts.

     
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    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Points Credit Cards for Excellent Credit shown on this page.

    User's top rated card in this category: 4.8 / 5 - 202 votes 4.8