Good Credit · Score 700–719
WiseIQ Editorial Team
Reviewed by certified financial experts · Updated March 2026
SC
WiseIQ Editorial Team
WiseIQ Research Team · WiseIQ Editorial
Updated March 2026
Quick Summary
700
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.
WiseIQ Expert Tip
Always pay your statement balance in full each month — not just the minimum. Carrying a balance costs the average American over $1,200 per year in interest charges.
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.
A 700 credit score is solidly good. You qualify for most major credit cards including popular rewards cards, and personal loan rates become significantly more competitive.
Our top pick: Chase Freedom Unlimited® — Best everyday rewards card at this score — 1.5% on all purchases plus bonus categories.
Expert Tip: At 700, focus on maximizing rewards. A 720+ score unlocks premium cards like Chase Sapphire Preferred. You are close.
Not Financial Advice: The information on this page is for comparison and educational purposes only. WiseIQ is not a licensed financial advisor or credit counselor. Always review the full product terms and consult a financial professional before applying.
Best Credit Cards for 700 Credit Score
Chase Freedom Unlimited®
Strong MatchChase
Sign-up Bonus
$200 bonus after $500 spend
Regular APR
20.49%–29.24%
Annual Fee
$0
Why we recommend it: Best everyday rewards card at this score — 1.5% on all purchases plus bonus categories.
Last reviewed: April 2026
Apply Now — Chase Freedom Unlimited® →
Affiliate disclosure: WiseIQ may earn a commission if you apply.
Discover it® Cash Back
Strong MatchDiscover
Sign-up Bonus
Cashback Match™ first year
Regular APR
18.24%–28.24%
Annual Fee
$0
Why we recommend it: 5% rotating categories + first-year match effectively doubles your rewards.
Last reviewed: April 2026
Apply Now — Discover it® Cash Back →
Affiliate disclosure: WiseIQ may earn a commission if you apply.
Capital One Venture
Good MatchCapital One
Sign-up Bonus
75,000 miles after $4,000 spend
Regular APR
19.99%–29.99%
Annual Fee
$95
Why we recommend it: Best travel card at this score range — 2x miles on everything.
Last reviewed: April 2026
Apply Now — Capital One Venture →
Affiliate disclosure: WiseIQ may earn a commission if you apply.
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Best Personal Loans for 700 Credit Score
SoFi Personal Loan
Strong Match8.99%–23.43% APR · $5,000–$100,000
Excellent rates for 700+ scores with no origination fees.
Check Your Rate — No Credit Pull →LightStream Personal Loan
Strong Match6.99%–22.49% APR · $5,000–$100,000
Industry-leading low rates for borrowers with good credit and stable income.
Check Your Rate — No Credit Pull →Marcus by Goldman Sachs
Good Match6.99%–24.99% APR · $3,500–$40,000
No fees of any kind — no origination, no late, no prepayment fees.
Check Your Rate — No Credit Pull →How to Improve Your 700 Credit Score
1
Pay every bill on time
Payment history is 35% of your FICO score — the single biggest factor. Set up autopay for at least the minimum payment on every account.
2
Keep credit utilization below 30%
Credit utilization is 30% of your score. If your total credit limit is $5,000, keep your balance below $1,500. Below 10% is ideal.
3
Don't close old accounts
Length of credit history is 15% of your score. Keeping old accounts open (even if unused) helps your average account age.
4
Check your credit report for errors
1 in 5 Americans has an error on their credit report. Get your free report at AnnualCreditReport.com and dispute any inaccuracies.
Frequently Asked Questions
What credit cards can I get with a 700 credit score?
With a 700 credit score (Good Credit), you can qualify for Chase Freedom Unlimited®, Discover it® Cash Back. These cards are designed for your credit range and offer competitive terms.
Is 700 a good credit score?
A 700 credit score is in the Good Credit range (700–719). This is a solid score that qualifies you for most major credit cards and competitive loan rates.
How can I improve my credit score from 700?
To improve from 700: pay all bills on time (35% of your score), keep credit utilization below 30% (30% of score), avoid opening multiple new accounts at once, and check your credit report for errors at AnnualCreditReport.com.
Will applying for a credit card hurt my credit score?
Applying for a credit card results in a hard inquiry, which typically reduces your score by 2–5 points temporarily. The impact fades within 12 months. If you are approved and use the card responsibly, the positive payment history will more than offset the initial dip.
How long does it take to improve a credit score?
Most people see meaningful improvement within 3–6 months of consistent on-time payments and reduced utilization. Moving up 50–100 points typically takes 6–12 months of responsible credit use.
Affiliate Disclosure: WiseIQ is an independent comparison site. We may earn a commission when you apply for financial products through our links. This does not affect our editorial independence or the order of products shown. Our recommendations are based on objective criteria including rates, fees, and approval likelihood for your credit profile.
Sources & Methodology
WiseIQ's editorial team researches and fact-checks all content using primary sources. Our recommendations are based on independent analysis and are not influenced by advertiser relationships.
- Consumer Financial Protection Bureau (CFPB) — regulatory data and consumer guidance
- Federal Reserve — Consumer Credit Report (G.19) — interest rate benchmarks
- AnnualCreditReport.com — official free credit report access
- myFICO Credit Education — credit score methodology
- Lender and issuer websites — rates, terms, and eligibility verified directly from source
Last reviewed: April 2026 | How we rank products