What are the best low interest credit cards for excellent credit?

No, there aren’t any 0% APR credit cards for 21 months right now, at least not on purchases. The longest interest-free period is offered by the U.S. Bank Visa® Platinum Card: 0% for 20 billing cycles intro APR for purchases and 0% for 20 billing cycles intro APR for balances transferred within 60 days of account opening. But this card comes with a 3% (min $5) balance transfer fee. The U.S. Bank Platinum’s regular APR is 14.49% - 24.49%* (V).… read full answer

Another credit card with a long 0% introductory APR is the Citi Simplicity® Card. It offers an intro APR of 0% for 12 months for purchases and 0% for 21 months intro APR for balance transfers. But there is a transfer fee of 5% (min $5). And you have to transfer your balance within four months of being approved for an account to get the 0% rate. After that, the regular APR will be 14.74% - 24.74% (V), based on your creditworthiness. This card has no late fees and no penalty APRs.

Ultimately, you can check out our editors’ latest picks for the best 0% APR credit cards and see which one suits your needs.

The best credit cards for a 720 credit score include the Capital One Venture Rewards Credit Card, which offers an initial bonus of 60,000 miles, and Chase Freedom Unlimited®, which offers $200 for spending $500 in the first 3 months.

A credit score of 720 falls within the "Good" range, which is from around 700 to 749 on the 0 to 850 credit scale. Consumers in this category generally have a credit history of more than three years, more than $5,000 in available credit and no late payments in the past 12 months.… read full answer

With a 720 credit score and a steady income, you should have little trouble securing a credit card with a low interest rate, a high credit limit and good rewards.

Here are the best credit cards for a 720 credit score:

• Best overall: Chase Freedom Unlimited®.
  $200 for spending $500 in the first 3 months. Earns 1.5 - 5% Cash Back. $0 annual fee. Offers an introductory purchase APR of 0% for 15 months (14.99% - 24.74% (V), based on creditworthiness, thereafter). Requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
• Best for travel rewards: The Capital One Venture Rewards Credit Card.
  60,000 miles for spending $3,000 in the first 3 months. Earns 5 miles per $1 spent on hotels and rental cars booked through Capital One Travel, and 2 miles per $1 on all other purchases. $95 annual fee. Requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
• Best for cash bonus: The Blue Cash Preferred® Card from American Express.
  $300 statement credit for spending $3,000 in the first 6 months. Earns 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, earned as statement credits. Introductory purchase APR of 0% for 12 months(13.99% to 23.99% (V), based on creditworthiness, thereafter). Annual fee of $0 intro 1st yr, $95 after. Requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
• Best for long intro APR: The Wells Fargo Platinum card.
  Offers an introductory purchase APR of 0% for 18 months, coupled with an introductory APR of 0% for 18 months on qualifying balance transfers - each balance transfer is subject to a fee of 3% intro for 120 days, then up to 5% (min $5). Once the introductory periods are over, remaining balances will accrue interest at an APR of 16.49% - 24.49% Variable, based on creditworthiness. $0 annual fee. Requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
• Best for Dining & Entertainment: The Capital One® Savor® Cash Rewards Credit Card
  $300 for spending $3,000 in the first 3 months. Earns 4% cash back on dining, entertainment and popular streaming services, 3% back at grocery stores and 1% back on all other purchases, as well as 8% back on tickets at Vivid Seats through January 2023. $95 annual fee. Requires a credit score of 700, at a minimum. That means you need good credit or better for approval.

A 720 credit score will put you in the running for some of the best credit cards on the market, provided you meet the card’s minimum income requirements. You’ll have the luxury of having access to some of the best travel, cash back, or financing credit cards and tailoring your pick according to your needs.

Some of the very best cards, however, require excellent credit. That’s a credit score of 750 or better. To move up to that next level, maintain a history of timely payments and try reducing your credit utilization below 30%. The lower the ratio, the bigger the jump in your credit score. Also, avoid closing any credit cards or applying for new credit in a short period of time.

The highest end card is The Platinum Card® from American Express because it has a wide array of high-end benefits, including airport lounge access and yearly credits of up to $200 for fees on a pre-selected airline, up to $200 for Uber, up to $200 hotel credits and up to $100 for Saks Fifth Avenue, when enrolled. American Express Platinum card also has a high-end annual fee, at $695. And it’s only available to people with good credit or better.… read full answer

6 Highest End Credit Cards Right Now

• The Platinum Card® from American Express
• Chase Sapphire Reserve®
• Ink Business Preferred® Credit Card
• UBS Visa Infinite Credit Card
• U.S. Bank Altitude Reserve Visa Infinite® Card
• Centurion® Card from American Express

To be clear, the best high end credit cards aren't necessarily the most exclusive credit cards. Being hard to get does not automatically make a card one of the highest end options. But a stellar credit profile still is required to be in the running for the highest end credit cards.

The difference is that qualified applicants who get approved for one of the highest end credit cards will find themselves with credit limits, benefits, and rewards that are far superior to what's available from a regular, everyday credit card. In other words, the highest end credit cards are at the intersection of the best credit card offers on the market and the most prestigious options.