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

Credit cards with 0% APR for 21 months used to be common, but there’s none right now. The longest interest-free period is offered by the U.S. Bank Visa® Platinum Card: 0% for 20 months APR for purchases and 0% for 20 months APR for balances transferred within 60 days of account opening. But this card comes with a 3% (min $5) balance transfer fee.… read full answer

Another credit card with a long 0% introductory APR is the Citi Simplicity® Card - No Late Fees Ever. It offers an intro APR of 0% for 18 months for balance transfers and 0% for 18 months APR for purchases. But there is a transfer fee of 3% (min $5). And you have to transfer your balance within four months of being approved for an account to get the 0% rate. Plus, there are no late fees or penalty APRs.

The best credit cards for a 720 credit score include Capital One Venture, which offers an initial bonus of up to 100,000 miles, and Citi Double Cash, which gives a combined 2% cash back on all purchases. Another top card is the Wells Fargo Cash Wise Visa. It offers at least 1.5% cash back on all purchases.… read full answer

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.

Also among the best credit cards for a 720 credit score is the Blue Cash EveryDay card from American Express. It gives you an introductory APR of 0% for 15 months on purchases. The Discover It Cash Back card earns 5% on purchases on different categories each quarter and matches all cash back earned at the end of the first year.

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 for travel rewards: Capital One Venture. 50,000 miles when you spend $3,000 in the first 3 months, worth $500 toward travel. Or you can get 100,000 miles after spending $20,000 within the first 12 months. Earn 2 miles per $1 spent on all purchases. $95 annual fee.
• Best for cash bonus: Wells Fargo Cash Wise Visa. Earn 1.5% cash back on all purchases. Up to $600 in cell phone protection with a $25 deductible. Introductory APRs of 0% for 15 months on purchases and 0% for 15 months on qualifying balance transfers on transfers. 14.49% to 24.99% Variable APR after. 3% intro for 120 days, then up to 5% (min $5) transfer fee. $0 annual fee.
• Best for 0% APR: Blue Cash EveryDay Card from American Express. $200 statement credit when you spend $1,000 in the first 3 months. Earn 3% cash back at supermarkets (first $6,000 spent yearly), 2% at gas stations, and 1% on all other purchases. Intro APR of 0% for 15 months on purchases. 13.99% to 23.99% (V) APR after. $0 annual fee.
• Best for low APR: Discover it Cash Back. Earn 5% on purchases (up to $1,500) in categories such as restaurants, gas stations and Amazon.com that rotate each quarter. Receive matching cash back at the end of the first year. Intro APR of 0% for 14 months on purchases and 0% for 14 months for balance transfers. 11.99% to 22.99% Variable APR after. 3% transfer fee. $0 annual fee.

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. 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 the amount of credit you use to less than 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 airline fees, up to $200 for Uber, and up to $100 for Saks Fifth Avenue. American Express Platinum card also has a high-end annual fee, at $550. And it’s only available to people with good credit – the highest credit score tier.… 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.