Maria Adams, Credit Cards Moderator
@m_adams
The best credit card for a 700 credit score could be the Capital One Venture Rewards Credit Card if you’re eager to earn travel rewards, Blue Cash Preferred if you’d prefer cash back or Wells Fargo Platinum card if you want 0% APRs. It all depends on your individual needs, as no card does everything best. But you do want to focus on cards that require “good” credit or below, since 700 is a good credit score. Of course, there are other things that affect the application process too, like income and the number of recent inquiries on your report.
A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 90%. You can do a pre-approval check for most of the best credit cards for a 700 credit score.
Here are the best credit cards for 700 credit scores
Card |
Best for |
Annual Fee |
Travel Rewards |
$95 |
|
Balance Transfers |
$0 |
|
Cash Back |
$95, waived the first year |
|
Hotel Perks |
$75 |
As you may have noticed, a lot of the best credit cards for 700 credit scores don’t have annual fees. So, you can pick up some great perks without having to shell out money for the privilege of having a card.
Michael Castillo, Member
@michael_c
I think the best one is the Bank of America® Premium Rewards® credit card. You get 50,000 points bonus after spending $500 in the first 3 months of account opening. You also earn 2 points / $1 on travel and dining and 1.5 points / $1 per dollar on all other purchases.
neilbreen, Member
@neilbreen
The Citi® Double Cash Card! I got a $4,000 credit limit to begin with and I get cash back both on my grocery purchases and on paying my card bill.
People also ask
Roxanne Wilson, Member
@roxanne_wilson
The Citi® Double Cash Card is totally one of the best at that level. Can't beat cash back!
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