The best credit card for a 700 credit score is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on purchases – one of the market’s highest cash back earning rates that won’t fluctuate by spending category. Wells Fargo Active Cash also comes with an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months and a $0 annual fee.
In general, you 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.
Best Credit Cards for 700 Credit Score
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.