Here are the top credit card offers for January of 2016 for borrowers who have excellent credit scores (over 740 fico scores). Searching for the right credit card offer has never been easier, simply search by category on our website to see the top offers.

Capital One® Venture® Rewards Credit Card
Requires excellent credit but has an awesome sign up bonus of 40,000 miles once you spend at least $3000 within 90 days, this equals $400 in travel expenses right there. You also earn unlimited double miles on all purchases throughout the year and your miles do not expire nor are their limits on the amount of miles you can earn. No annual fee the first year but you will have one of $59 dollars after that.

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Visa® Black Card
You receive a sign up bonus of 25,000 bonus points when you spend just $1,500 on purchases with in 90 days. This card is also absolutely loaded with perks and although the perks come at an annual cost of $495 dollars for this credit card, the perks more than make up for it. You earn 1 point for every dollar spent and these points are worth 100% more when redeemed on an airline. You also receive throughout the year several luxury gifts, these gifts alone make up for the cost of membership. You also enjoy such perks as 24 hour Concierge Service, which the credit card company bills as serving your needs from the Ordinary to the Extraordinary. Other perks include Baggage Delay Insurance, Auto Rental Collision Damage Waiver, Worldwide Travel Accident Insurance, Lost Luggage Reimbursement, Purchase Security, Roadside Dispatch and so much more.

Chase Sapphire Preferred® Card
This cards reward program is very well done, you receive 2x the points on travel and dining and 1 point per dollar spent on everything else. The sign up bonus is currently 40,000 bonus points provided that you spend $4000 on purchases in the first 3 months of opening up the card, the total sign up bonus being worth $500 in travel, and you can earn an extra 500 bonus points if you add an authorized user. This card has EMV chip protection for your peace of mind.

BuyPower Card from Capital One
This unique credit card has a rather innovative rewards program that helps you save towards a new car, you can choose from a Chevrolet, Buick, GMC or Cadillac. You get Get 5% Earnings on your first $5,000 in purchases every year and an unlimited 2% earnings for every purchase after this cap has been met. You also receive a 0% intro offer on purchases for 12 months after that the interest varies from 11.9% – 19.9%. Lastly this card has no annual fee.

Blue Cash Everyday® Card from American Express

This card gives you one free year of Amazon Prime, plus $50 back after you spend $1000 in purchases within 3 months. You also open yourself up to the massive amount of perks that American Express offers and customer service that is bar none in the credit card industry. You also earn 3% cash back on purchases at supermarkets up to $6000 a year in purchases, 2% cash back at gas stations and 1% on everything else. You also get 0% intro APR on purchases and balance transfers for 15 months and lastly this card has no annual fee.