Unlock premium rewards and benefits with the top credit cards designed for individuals with a 700 credit score. Our comprehensive guide helps you find the perfect card to match your financial goals.
Top Credit Card Recommendations
Upstart700
Good Credit Range
Credit Cards Options at This Score
What to Expect
Good credit means you qualify for most mainstream products at competitive rates. You have real negotiating power.
Rate Impact
Rates are near prime — typically 0.5–2% above the best available rates.
💡 Top Tip for 700 Credit
Shop multiple lenders and use pre-qualification tools to compare offers without hard inquiries.
Timeline: You're well-positioned. Focus on maintaining your score while building wealth.
Chase Sapphire Preferred® Card
Issuer: Chase
APR: 21.49% - 28.49% Variable
Key Benefit: Excellent travel rewards and sign-up bonus.
- Earn 75,000 bonus points after spending $5,000 in the first 3 months.
- 5x points on travel purchased through Chase Travel℠.
- 3x points on dining and select streaming services.
Capital One VentureOne Rewards Credit Card
Issuer: Capital One
APR: 19.99% - 29.99% Variable
Key Benefit: Simple, no-annual-fee travel rewards.
- Earn 20,000 bonus miles after spending $500 in the first 3 months.
- 1.25 miles per dollar on every purchase.
- No annual fee.
Chase Freedom Flex℠
Issuer: Chase
APR: 20.49% - 29.24% Variable
Key Benefit: Rotating bonus categories for maximized cash back.
- Earn $200 bonus after spending $500 in the first 3 months.
- 5% cash back on up to $1,500 in bonus categories each quarter.
- 3% cash back on dining and drugstore purchases.
Discover it® Cash Back
Issuer: Discover
APR: 18.24% - 29.24% Variable
Key Benefit: Excellent cash back match for new cardmembers.
- Discover matches all the cash back you've earned at the end of your first year.
- 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations, and when you pay using PayPal, up to the quarterly maximum.
- 1% cash back on all other purchases.
Citi Double Cash® Card
Issuer: Citibank
APR: 19.24% - 29.24% Variable
Key Benefit: Simple, unlimited 2% cash back on every purchase.
- Earn 2% cash back on every purchase: 1% when you buy, 1% when you pay.
- No annual fee.
- Balance transfer offer.
Credit Card Comparison Table
| Card Name | Issuer | APR Range | Annual Fee | Key Benefit |
|---|---|---|---|---|
| Chase Sapphire Preferred® Card | Chase | 21.49% - 28.49% Variable | $95 | Travel Rewards |
| Capital One VentureOne Rewards Credit Card | Capital One | 19.99% - 29.99% Variable | $0 | No-Annual-Fee Travel |
| Chase Freedom Flex℠ | Chase | 20.49% - 29.24% Variable | $0 | Rotating Cash Back |
| Discover it® Cash Back | Discover | 18.24% - 29.24% Variable | $0 | Cash Back Match |
| Citi Double Cash® Card | Citibank | 19.24% - 29.24% Variable | $0 | 2% Cash Back |
| Marriott Bonvoy Boundless® Credit Card | Chase | 21.49% - 28.49% Variable | $95 | Marriott Rewards |
| Southwest Rapid Rewards® Priority Credit Card | Chase | 21.49% - 28.49% Variable | $149 | Southwest Perks |
How to Qualify for a Credit Card with a 700 Credit Score
- Maintain a Good Payment History: Always pay your bills on time. Payment history is the most significant factor in your credit score.
- Keep Credit Utilization Low: Try to keep your credit card balances below 30% of your credit limit.
- Avoid Opening Too Many New Accounts: Each new credit application can temporarily ding your score. Only apply for credit when you genuinely need it.
- Review Your Credit Report Regularly: Check for errors on your credit report and dispute any inaccuracies promptly.
Frequently Asked Questions
What is considered a good credit score?
A credit score of 700 is generally considered a good credit score. It falls within the "Good" range (670-739) as defined by FICO, indicating a responsible credit history and making you eligible for a wider range of financial products with favorable terms.
What kind of credit cards can I get with a 700 credit score?
With a 700 credit score, you can qualify for many excellent credit cards, including rewards cards (cash back, travel points), cards with low interest rates, and balance transfer cards. You'll have access to more premium options compared to those with lower scores.
Will applying for a new credit card hurt my 700 credit score?
When you apply for a new credit card, a hard inquiry is typically made on your credit report, which can temporarily lower your score by a few points. However, if you have a 700 score, this dip is usually minor and your score should recover quickly, especially if you are approved and manage the new account responsibly.
How can I improve my credit score beyond 700?
To move beyond a 700 credit score, continue to pay all bills on time, keep your credit utilization low (ideally below 10%), maintain a long credit history, and diversify your credit mix (e.g., a mix of credit cards and installment loans). Regularly checking your credit report for errors is also crucial.
Are there any annual fees for credit cards with a 700 credit score?
Many excellent credit cards available to those with a 700 credit score come with no annual fees. However, some premium rewards or travel cards may have annual fees, which are often offset by their valuable benefits and rewards programs. It's important to weigh the annual fee against the benefits you expect to receive.