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CNN Underscored reviews financial products such as credit cards and bank accounts based on their overall value. We may receive a commission through the LendingTree affiliate network if you apply and are approved for a card, but our reporting is always independent and objective.

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.

Still, it’s important to think about what you hope to gain with a credit card before you apply. Do you want a travel credit card that makes