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The financial industry offers a long list of privileges to those who have an excellent credit score. If you are one of the privileged who have an excellent credit score you will be barraged with email and snail mail credit card offers. This is particularly true if you have employment that brings in a significant monthly income.

Also, if you have a high credit score, the credit card offers that you will receive generally come without an annual fee for members. This alone can save you significant money because you will avoid the costs of card maintenance and processing fees. If you love to spend, and spend big, having an excellent credit score will probably mean the cards you have access to will have very high credit limits. They will likely come without penalty fees if you were to purchase something over your credit limit.

Additionally, you will be offered cards with extended introductory periods. Instead of being offered a 0% interest rate card with a 0% balance transfer rate for three or six months, your offers will likely extend for one full year. This term can save you some serious money, which would have otherwise been paid on high interest rates. Furthermore, your offers will come with a much lower interest rate after the introductory period has ended. Unlike the usual variable rates, which can be as high as 19.99%, you can expect to pay only 10.99% on average.

If you have an excellent credit score you will be open to so many more financial privileges. No doubt, lenders and financial institutions will equate you with being a more credit worthy individual. Subsequently, you will be guaranteed the best offers in addition to instant approvals of credit.

The following include some of the top-notch credit cards for individuals with excellent scores:

American Express Blue

This credit card has a Zero percent APR on any charges for the first complete year of use. Also, for the first year, there is a nominal balance transfer rate of 2.99%. This card has no annual maintenance and processing fees. With this card, you are able to earn points and rewards that can be exchanged for gift cards, travel expenses, entertainment expenses and other merchandise by accessing the Membership Rewards Express® program.

Citi® Platinum Select®

This is another fine card that provides a Zero percent APR on any charges for the first complete year combined with a Zero percent balance transfer rate for the same time period. This card has no annual maintenance and processing fees. Also, this card arrives with additional protection and security since it comes with Citi® Identity Theft Solutions. This service provides you with the safety of $0 liability in case your card is stolen and used to make unauthorized purchases.

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