Best Credit Cards: The point of an excellent credit is not to sit there staring at your credit rating. It is about taking advantage of the opportunities offered to those customers who have shown that they can handle credit more responsibly.

People with excellent-credit score get the best terms and conditions on financial products – the lowest interest rates, the wealthiest rewards, the most attractive perks. This information is exceptionally accurate for credit cards.

If you have a credit score of 720 or better, every credit card you carry should reward you for using it. Whether you want straight cash back or points or miles to use for travel, there are great options for those with excellent credit.

Do you have excellent credit? Take a look at these cards.

1) Chase Sapphire Preferred® card

Your Rewards: 2 points for every $1 spent on food and travel; 1 point for every $1 spent elsewhere. Annual fee: 95 USD. Signup Bonus: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months after opening an account.

That’s $750 for travel when you redeem through Chase Ultimate Rewards®. Our approach: The Chase Sapphire Preferred® Card offers thumbs up for flexibility. Points are worth 1.25 cents each if you use it to book travel through Chase’s online tool. You can also transfer points at a 1:1 ratio to various popular airline and hotel loyalty programs, including United, Southwest, Hyatt and Marriott.

SEE ALSO: Top-10 best credit cards for excellent creditworthiness in 2020

2) Capital One® Venture® Rewards credit card

Your Rewards: 2 miles per $1 spent on everything. Annual fee: 95 USD. Signup bonus: Enjoy a one-time gift of 50,000 miles if you spend $3,000 on purchases within three months of opening your account, which equals $500 on travel.

Our Opinion: The Capital One® Venture® Rewards credit card makes it easy to redeem rewards, which alleviates one of the biggest problems with travel credit cards. Simply book your trip, as usual, pay with your card and redeem your miles for travel credit. Travel with an airline, stay in a hotel – no restrictions.

3) Bank of America® Travel Rewards credit card

Rewards: 1.5 points for every 1 USD spent on everything. Annual fee: 0 USD. Signup bonus: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days after opening your account – this can be a $250 credit for travel purchases.

Our verdict: The premium rate on the Bank of America® Travel Rewards credit card is lower than comparable cards, but so is the annual fee – in fact, it’s $0, so parking this card for one is free while. Also, if you have a Merrill account through Bank of America’s Preferred Rewards program, you will receive a 25% to 75% points bonus.

4) The Platinum Card® from American Express

The American express platinum card provides 2 Membership Rewards points per $1 for travel and 5x points for flights and hotels booked through American Express; 1 point for every $1 spent elsewhere.

Annual fee: $550. Welcome Bonus: Earn 60,000 Membership Rewards® points after making $5,000 purchases with your new card in the first three months. Terms and conditions apply.

Our verdict: If you prefer to travel in style, American Express’ Platinum Card® annual fee gives you a lot: free access to more than 1,000 airport lounges; up to $200 per year in credit for airfare fees such as checked baggage and in-flight food and beverage; automatic Gold status with Hilton Honors and Gold Elite status with Marriott Bonvoy; and credit for the Global Entry or TSA PreCheck registration fee.

5) Citi® Double Cash Card – 18 months BT offer

Rewards: 1% cashback on every purchase plus another 1% on the payout. Annual fee: 0 USD.

Our Opinion: The Citi® Double Cash Card – 18-month BT offer will generate almost any list of NerdWallet’s most popular credit cards, as the 1% + 1% structure provides the best flat cashback rate. Even without the signup bonus, this is a tremendous daily credit card.

6) Blue Cash Preferred® card from American Express.

You will get a Reward you 6% cashback in U.S. supermarkets on purchases of up to $6,000 per year (then 1%); 6% cashback on selected U.S. streaming subscriptions; 3% cashback at U.S. gas stations and in transit (including taxis, carpooling, parking, tolls, trains and buses); and 1% cashback on all other purchases. Terms and conditions apply.

7) Capital One® Quicksilver® Cash Rewards credit card

Rewards: 1.5% cashback on every purchase. Annual fee: 0 USD. Signup bonus: One-time cash bonus of $150 after spending $500 on purchases within three months of account opening.

Our Opinion: Simplicity is the story with the Capital One® Quicksilver® Cash Rewards credit card. You get unlimited cash back at a reasonable price. You can redeem for any amount (many cashback cards have minimum redemption requirements). There is no international transaction fee when you travel abroad.

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