If you’re like me and you have a high FICO score above 800, welcome to the club – the 20% of us, consumers who have excellent credit. Our high credit score means we have access to some of the best credit cards that exist.

I don’t mean “excellent” in the subjective sense. I mean “excellent credit” in terms of the official ranking system the credit industry uses to determine the risk you won’t repay whatever credit you’re extended.