The 4 Best Credit Cards for People with Good Credit

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While people with poor credit scores often have a hard time qualifying for a credit card, those with good-to-excellent credit couldsnag credit cards with impressive offers and perks: low APRs, no standard fees, cash back on qualifying purchases, savings on certain merchandise, and travel mile accrual with no blackout dates. The four cards below serve as great examples:

1. Capital One Venture Rewards Credit CardOneof the best options for people with great credit is the Capital One Venture Rewards Credit Card. You can earn two miles every day for every dollar you spend on purchases.When you spend $3,000 during the first three months you have this card, you can get a one-time bonus of 40,000 miles, the equivalent of $400 worth of travel vouchers. Your rewards can be used any time, and there's no limit on how many you can get. Best of all: They will never expire.

Youcan also use your miles for airline travel, hotel stays, car rentals, cruises, and other goodies. There is noannual feefor the first year, and after that it's only a modest $59 per year. In addition to the terrific deals on travel miles you can get with this card, you aren't charged foreign transaction fees. This makes the Venture Rewards Credit Cardone of the best cards to own for frequent travelers. The initial APR is 13.9%, 16.9%, or 20.9%, depending on your credit score. The same reasonable interest rates also apply to balance transfers.

2. Capital One VentureOne Rewards Credit CardAnother option from Capital One is itsCapital One VentureOne Rewards Credit Card. This card allows you to begin with a 0% APR that extends through your February 2016 billing period. After that, the "go to" APR kicks in. It ranges from 11.9% to 19.9%, depending on your credit score. There is no annual fee for this card, nor any foreign transaction fees. Best of all, you can earn 1.25 miles per dollar on every purchase you make. There are no blackout dates, and you can travel on any airline and stay in any hotel you choose.

3. BankAmericard Cash Rewards Credit CardThe BankAmericard Cash Rewards Credit Card boasts a number of advantageous features for qualifying customers, such as an introductory 0% APR that lasts through the first 12 billing cycles. Additionally, it offers 1%cash back on all purchases. Plus, you can get 2% cash back at grocery stores and 3% on gas for the first $1,500 in combined grocery store and gas purchases every quarter.

These rewards will never expire. If you sign up for this card online, you'll earn $100 on the first $500 you spend during the first 90 days you have the card. The APR varies between 12.99% to a high of 22.99%. If you already have a Bank of America savings account and redeem your rewards through that account, the card will add an extra 10 percent to the cash you earn -- an option not offered by many of its competitors.

4. VisaBlack CardThe stainless steel, carbonVisa Black Card is one of the coolest accessories you can add to your wallet. Unlike some of the other cards offered here, it does have an annual fee and a rather steep one at that: $495. The initial APR is 0% for balance transfers and lasts for 15 billing cycles. After that, your 14.99% APR kicks in. You can really get some great value for your money, though, including a 24-hour concierge service that provides an astonishing array of services.

You're alsoguaranteed VIP treatment at more than 3,000 hotels, resorts, and villas across the globe. You get one point for every dollar spent, and the points you earn can be redeemed for cash, merchandise, or gift cards. You also get unlimited access to more than 350 airport lounges in 200 cities to make your travel experiences more luxurious. As an added bonus, you get a free subscription to Luxurymagazine, which focuses on the very best travel options, fashion, technology and art.

As if that's not enough, Visa Black Card holders are even eligible for free gifts from some of the world's top luxury brands. If you want your arrival to command immediate respect, this is oneblack cardyou might want to consider getting.

0% APR: What's the catch?Many of the best credit cards offer new customers a 0% introductory APR, which on the surface seems generous.It's not entirely a free perk, though.If you're transferring an existing credit balance to your new card, you might be charged anywhere from 3% to 5% of that amount.In the past, some companies would cap the balance transfer fee, but that has become increasingly rare. And of course, the 0% APRonly lasts for a finite period, sometimes for as short as six months.

Still, if you take proper advantage of the 0% introductory APR, it can help you pay down the balance you're carrying with none of your payments going to interest payments. With some cards, your 0% APR will evaporate if you miss a payment or pay late. You'll then be stuck paying interest at the higher rate. But if you plan carefully, you can use the 0% APR period to either pay off your balance completely or make a serious dent in it. You can budget for paying down your balance using a debt payoff calculator to figure out how much you need to pay each month to reach a zero credit balance.

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