Question 1

What credit cards can you get if you have excellent credit?

Accepted Answer

Excellent credit may open up a world of premium credit cards. This may include cards with generous cash back offers, exclusive travel perks, and higher credit limits. While your credit score generally isn't the only thing credit card companies look at when evaluating your application, having an excellent score may make approval more likely.

Question 2

What is an excellent credit score?

Accepted Answer

The score a credit card company considers "excellent" depends on what scoring model it uses. FICO® Scores range from "poor" (580 or below) to "exceptional" (800 or above). This score takes several factors into account, such as your payment history and how often you receive a hard credit check. VantageScore® is another common model credit card companies use. This score ranges from "subprime" (300-600) to "superprime" (781-850). VantageScore uses similar factors to FICO, but may weight them differently.

Question 3

What Discover® Cards can you get with excellent credit?

Accepted Answer

With Discover, you earn rewards on all purchases every time you use your card. An excellent credit score may boost your odds of qualifying for several Discover Cards that align with your shopping habits. You're never guaranteed approval on any credit card, as the credit card issuer always needs to review your credit file and other application information. But with an excellent credit score, you may be more qualified for a wide range of cards from Discover.

Best Credit Cards for Those With Excellent Credit

Key Takeaways

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