Credit Cards for Excellent Credit

If you are a consumer with an excellent credit rating, you will never have a hard time finding a new credit card. Although, there is still one problem that you may encounter, and that is comparing hundreds of offers, and selecting the right one for you. You will soon realize when you are bombarded with these fantastic offers, that you will receive top of the line benefits, low-interest rates, reward programs and much more! You are in the best position regarding your credit history, to secure the perfect credit card. However, please don't make your decision until you have compared the benefits of several offers. You can find some of the best credit cards for you that are detailed below.

  • Qantas Premier Titanium Credit Card

    • 20%: Bonus Status Credits on eligible flights purchased on your card
    • 10%: Discount on eligible Qantas flights for up to 2 travellers twice a year
    • 1.25: points on Domestic Spend (up to AU$12,500 per statement period)
    • 2: Qantas First Lounge Invitations
    • 150K: Bonus Qantas Points when spending $5,000 in 90 days from approval
    • $1,200: Annual fee
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  • ANZ Frequent Flyer Black Credit Card

    • Bonus Qantas Points. Apply for a new ANZ Frequent Flyer Black card and spend $7,500 on eligible purchases within the first 3 months from approval to earn 120,000 bonus Qantas Points. To give you an idea, that's more than enough points to upgrade your return Sydney to Los Angeles Economy flight to Premium (113,000 Qantas Points).
    • Cashback offer. You'll get $150 back to your new ANZ Frequent Flyer Black card when you spend $7,500 on eligible purchases within the first 3 months.
    • Status credits. Earn 75 bonus Status Credits when you apply by 31 March 2019 and book and travel on two new Qantas flights by 30 June 2019. That alone gets you 25% of the way to Silver tier!
    • Earn Qantas Points as you spend. Collect 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period, uncapped.
    • Qantas Club benefits. You can look forward to two complimentary Qantas Club Lounge invitations every year you have this card.
    • Véloce airport lounge access. This card offers unlimited complimentary access to airport lounges around the world through the Véloce Lounges service. Simply present your ANZ Frequent Flyer Black card and a valid boarding pass in your name at the participating lounge to gain access. Guests travelling with you may also be provided access at the operator's discretion, although additional fees may apply.
    • Complimentary insurance covers. When you use your card to make travel bookings, you can get transport accident cover, interstate flight inconvenience insurance, overseas travel and medical insurance and rental excess cover. This card also offers cover for purchases made with your card, offering 90-day purchase security insurance, extended warranty coverage and a best price guarantee scheme.
    • Mobile payment technology. Apple Pay, Google Pay and Samsung Pay let you use your Apple, Android or Samsung device to tap and pay with your eligible ANZ credit card.
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Transaction Fees

Annual Fee: You may find some credit card options which charge yearly fees, but not all of them do. The types of credit cards which typically have yearly fees include premium credit cards, subprime credit cards, and secured credit cards. The fee amount charged per year will vary. Some fees start at $0 and go up to $500. It all depends on which type of credit card you apply for.

Regular Purchase APR: When you make a standard purchase with your credit card, the amount charged gets added to your revolving debt balance. On top of that, there is a certain amount of interest which gets added to this balance too. This interest is called the annual percentage rate, or APR. Your credit rating greatly influences your APR, which is why the percentage fluctuates regularly. People with perfect credit may only have to pay 10% APR while people with terrible credit pay up to 35% APR. For this reason, it is important to review all the terms and conditions on your credit card application prior to signing it. Make sure you know the true APR after the initial trial period expires. Sometimes these credit card companies will try to lure you in with 0% APR for 12 months, but they won’t tell you what the APR is after those 12 months. You must look for it in the fine print.

Intro Purchase APR: When you see a credit card plan which offers an introductory purchase APR of 0%, this doesn’t necessarily mean it’s a trick. Sometimes you’ll find some good low-interest credit card plans which charge 0% APR for the first 6 months, 12 months, or sometimes even longer. This means that all your credit card purchases within this time period won’t have interest charges added onto the debt balance. However, once the introductory period expires, the standard purchase APR will then apply. Again, check the terms and conditions to see what this APR is.

Balance Transfer Fee: If you owe money on multiple loans or credit cards, you can clear this debt by moving it to another credit card which has more available credit. This is basically a way to consolidate your debt so that you only owe money on one account instead of several accounts. However, whenever you transfer your debt balances to another account, you must pay a balance transfer fee of anywhere between 3% and 5% of the total transferred debt amount. For instance, if you owe a total of $10,000 on all your loan and credit card accounts, a 5% balance transfer fee on this amount would cost you $500.

Regular Balance Transfer APR: Sometimes a credit card company will offer a regular balance transfer APR to new credit card account holders instead of a balance transfer fee. This balance transfer APR is usually a generous deal which ranges from 0% to a very low APR. However, this low balance transfer APR is only available for a limited introductory time period. This could last for 6 months, 12 months, or longer. Once the introductory period is over, the normal rates apply.

Cash Advance Fee: If you want to take out a cash advance on your credit card, you will either be charged 3% to 5% on the transaction amount or a fixed fee of between $5 and $15 per transaction. The greater amount of the two is the one you will pay. For instance, if you take a $200 cash advance on a credit card which charges a cash advance fee of 10% or $5, you will end up paying 10% because that is the greater amount. In this case, the cash advance fee is $40.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

Advertiser Disclosure

When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on are from organizations, which will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

General Disclaimer

We advise you to review your credit card application for specific references of the terms and conditions. We will always endeavor to provide the most relevant and up-to-date information. However, please be aware that all credit card offered displayed are not guaranteed. If you wish to confirm the full terms & conditions, please click on the "Apply Now" link. If you select the link, it will open a secure page provided by the card issuer(s) which will explain your credit card offer in more detail.

Our Editors

Here at TheCreditWiki, we have a team of editors who supply unbiased ratings of various credit card offers. The components used to rate the offers accordingly are; offer purchasers, expenses, financing costs & which credit card the application is related too. Please be aware that all of the evaluations are completed using a master supposition from our editors. Our editors are not affected by any compensation that our receives from the credit card issuer.