Score Higher and Reach New Levels With 14 Premium Credit Card Rewards


Are you ready to maximize the value of your credit cards?

Whether you’re looking to earn more cashback or travel rewards, having a good understanding of your spending behaviors and available card options can be the difference between getting average or premium rewards.

With that in mind, we’ve compiled our top 14 favorite credit cards for scoring higher and reaching new levels with their benefits.

From 0 percent introductory rates to competitive recurring rewards points, each of these cards offers something special that gaming enthusiasts will love.

Let’s get started and unpack all there is to know about each card’s unique features!

1. Better Rewards Credit Cards

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Imagine a world where approval for nearly every credit card is easily within reach. That’s exactly what can happen when your credit score gets high enough – you’d essentially have your choice of any credit card you want.

Having the ability to personally curate your credit card collection and reap the benefits of many rewards cards was mentioned by countless people as one of the unheralded amazing benefits of a great credit score.

2. First Class Upgrades

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Enjoy traveling in style with complimentary first-class upgrades. 

You’ll be able to take advantage of upgraded amenities such as more legroom, priority check-in, and access to the airport lounge. 

Plus, you’ll have a fast and easy way to earn points for future travel expenses.

3. Waived Security Deposits

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It’s true: many apartment rental complexes waive security deposits if your credit score is high enough. How’s that for a little-known perk?

“They straight up told me when I put in the application to rent this place (2016) that if my credit was above 750 that I’d be auto-accepted and wouldn’t have to put any security deposit down,” one renter revealed. “They weren’t lying.”

4. Better Cell Phone Offers

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Now this is a perk of having a high credit score that we didn’t know existed! A savvy shopper revealed an interesting loophole in the cell phone business: “I know that T-Mobile uses your credit score to determine if you’re eligible for monthly installments on devices.

If you don’t have a good credit score, you’re only given the option to buy devices in full. I assume it’s the same for other phone service providers.”

5. Job Opportunities

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Doors to new and exciting job opportunities are opened to you as a result of high credit scores as well. “If you work in finance at all, or any leadership, your employer will run a credit check with the legal background check,” one banker said.

“Of course, they do not want a litigious employee, they also do not want one that has other issues with finances.” Talk about setting yourself up for success!

6. Not Needing a Co-Signer For Loans

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Many people have been in a situation where they’ve needed to convince a friend or relative to co-sign a loan with them. We’ll be honest: we’ve been there, and it’s an awkward conversation to have!

Luckily, having a high credit score means that you’ll never have to make an embarrassing phone call like that, ever.

7. Benefits When Buying a House

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While many people begin to panic if they do not have a large down payment for their first home, one savvy individual revealed that it’s a moot point if your credit score is high enough: “If you don’t have 20% for a down payment on a house, having a high credit score makes PMI on the mortgage almost negligible.

I always thought it would add like $200-$300/month to our payment to have PMI but since we have excellent credit it will only be like $40.”

It sure makes homeownership a lot more feasible, doesn’t it?

8. Lower Auto Loan Rates

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Whenever you’re in the market to buy a new or used vehicle, you’ll be in a much better position to negotiate if you have a high credit score in your metaphorical back pocket! “You may have more negotiating power when it comes to buying a car,” a car salesman revealed. “The interest rates can be lower or 0% in some cases.”

While 0% interest car loans may be rare, it seems like the only way to even get close to obtaining one is to have a great credit score.

9. Ability to Churn Credit Cards

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The art of credit card “churning” is when you keep opening and closing credit cards – but keeping their often-generous sign-up bonuses in the process! One particular person has this system down pat, and he wasn’t afraid to brag about it. “I have 14 cards and haven’t paid out of pocket for a vacation in half a decade (including what would have been a ~$10k honeymoon that we booked using the points off a $95 annual fee card),” he confessed.

“Credit score has never dipped below 780 (just make sure to pay off all the cards and track them).”

10. Lower Auto Insurance Rates

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Even your auto insurance can benefit from being attached to an account with a high credit score. (We’re starting to think this whole “work towards getting a great credit score” has some merit, people!)

“My wife works for a state farm, and rates can be significantly higher with a low credit score,” somebody in the know revealed.

11. Security Clearance

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You never want your job to be in jeopardy because of a low credit score, which is why it’s imperative to get it as high as possible – and keep it that way. Even if you’re at the beginning of the job hunt, a high credit score will never hurt you.

“Helps when you are trying to get a security clearance for a government job,” one private employee said.

12. Zero Percent Financing

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Take advantage of 0% introductory APR rates on select purchases.

You can spread out payments over a longer period of time, giving you more flexibility when managing your finances.

Plus, you’ll be able to pay off large purchases without worrying about hefty interest charges.

13. Airport Lounge Access

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If you’re a frequent traveler, then having access to airport lounges can make your time on the ground more enjoyable and comfortable. 

Some credit cards come with complimentary lounge access at airports around the world, giving you a place to relax, recharge, and grab a bite to eat before your flight.

14. Rental Car Insurance

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Rental car insurance can provide coverage against damage or theft of your rental vehicle, so you don’t have to worry about unexpected expenses during a road trip. 

Some credit cards will provide complimentary rental car insurance coverage, allowing you to save money while still being protected.

Hidden Costs of Debt

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We all know the financial cost of debt – paying interest to the credit card company. But there are other costly ways debt impacts you that you need to know.


Is Your Debt Out Of Control?

Never gets to the root cause of debt
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Do you know the warning signs if your debt is out of control? While high balances and only being able to make minimum payments are one sign, they aren’t the only one


Dave Ramsey’s Baby Steps

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Using Dave Ramsey’s Baby Steps is great for getting your finances back on track. But you could do better with a few simple tweaks to his system.


How To Pay Your Mortgage Off Early

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If you have a mortgage, you know the monthly payment can be annoying. You pay and pay and yet it feels like your balance never goes down.

That all ends now. Here are the best ways to pay off your mortgage early, in some cases, in half the time.


Good Money Habits To Have

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In order to get ahead financially, we need to develop good habits. Most people talk about bad money habits to get rid of.

Here are good money habits you need to follow if you want to take the next step financially.


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