Having excellent credit can make your life easier in numerous ways, but this is especially true when it comes to getting a credit card. With a credit score that’s considered “excellent” or “exceptional,” you can have your pick of the top rewards and travel credit card options. Cards in this niche tend to offer generous sign-up bonuses that can easily be worth $1,000 or more, and some even come with VIP perks you can’t get anywhere else.
Just keep in mind that there are many types of credit scores, and free credit monitoring services may not show you a true FICO credit score, which is the credit score that’s most widely used by lenders. Credit scores within this system range from 300 to 850, and scores fall into the following tiers: