Best Credit Cards for a 720 Credit Score in 2026
Quick Summary
A 720 credit score is strong good credit. Premium travel and rewards cards like Chase Sapphire Preferred are now within reach, and you may be eligible for the best personal loan rates.
Our top pick: Chase Sapphire Preferred® — Best overall travel card for good credit. 60,000 point bonus worth $750 in travel. 3x on dining, 2x on travel.
Expert Tip: At 720, you should be maximizing rewards. Consider a premium travel card — the sign-up bonuses alone can be worth $500–$1,000 in the first year.
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 720 Credit Score
Chase Sapphire Preferred®
Strong MatchChase
Why we recommend it: Best overall travel card for good credit. 60,000 point bonus worth $750 in travel. 3x on dining, 2x on travel.
Affiliate disclosure: WiseIQ may earn a commission if you apply.
Chase Freedom Unlimited®
Strong MatchChase
Why we recommend it: Pair with Sapphire Preferred to maximize the Chase ecosystem — transfer points for higher value.
Affiliate disclosure: WiseIQ may earn a commission if you apply.
Capital One Venture
Good MatchCapital One
Why we recommend it: Simple 2x miles on everything — great if you prefer straightforward travel rewards.
Affiliate disclosure: WiseIQ may earn a commission if you apply.
Best Personal Loans for 720 Credit Score
LightStream Personal Loan
Strong Match6.99%–20.49% APR · $5,000–$100,000
Best rates available for 720+ scores. Rate Beat guarantee.
Check Your Rate — No Credit Pull →SoFi Personal Loan
Strong Match8.99%–21.78% APR · $5,000–$100,000
No fees, unemployment protection, and member benefits worth $500+/year.
Check Your Rate — No Credit Pull →Marcus by Goldman Sachs
Good Match6.99%–22.99% APR · $3,500–$40,000
Zero fees and on-time payment reward (skip a payment after 12 on-time payments).
Check Your Rate — No Credit Pull →How to Improve Your 720 Credit Score
Payment history is 35% of your FICO score — the single biggest factor. Set up autopay for at least the minimum payment on every account.
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.
Length of credit history is 15% of your score. Keeping old accounts open (even if unused) helps your average account age.
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 720 credit score?
With a 720 credit score (Good Credit), you can qualify for Chase Sapphire Preferred®, Chase Freedom Unlimited®. These cards are designed for your credit range and offer competitive terms.
Is 720 a good credit score?
A 720 credit score is in the Good Credit range (720–739). 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 720?
To improve from 720: 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.