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
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.
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.
A credit score of 720 falls within the “Good” range, which is from around 700 to 749 on the 0 to 850 credit scale. Consumers in this category generally have a credit history of more than three years, more than $5,000 in available credit and no late payments in the past 12 months.
Also among the best credit cards for a 720 credit score is the Blue Cash EveryDay card from American Express. It gives you an introductory APR of 0% for 15 months on purchases. The Discover It Cash Back card earns 5% on purchases on different categories each quarter and matches all cash back earned at the end of the first year.
With a 720 credit score and a steady income, you should have little trouble securing a credit card with a low interest rate, a high credit limit and good rewards.
Here are the best credit cards for a 720 credit score:
Best for travel rewards: Capital One Venture. 50,000 miles when you spend $3,000 in the first 3 months, worth $500 toward travel. Or you can get 100,000 miles after spending $20,000 within the first 12 months. Earn 2 miles per $1 spent on all purchases. $95 annual fee.
Best for cash bonus: Wells Fargo Cash Wise Visa. Earn 1.5% cash back on all purchases. Up to $600 in cell phone protection with a $25 deductible. Introductory APRs of 0% for 15 months on purchases and 0% for 15 months on qualifying balance transfers on transfers. 14.49% to 24.99% Variable APR after. 3% intro for 120 days, then up to 5% (min $5) transfer fee. $0 annual fee.
Best for 0% APR: Blue Cash EveryDay Card from American Express. $200 statement credit when you spend $1,000 in the first 3 months. Earn 3% cash back at supermarkets (first $6,000 spent yearly), 2% at gas stations, and 1% on all other purchases. Intro APR of 0% for 15 months on purchases. 13.99% to 23.99% (V) APR after. $0 annual fee.
Best for low APR: Discover it Cash Back. Earn 5% on purchases (up to $1,500) in categories such as restaurants, gas stations and Amazon.com that rotate each quarter. Receive matching cash back at the end of the first year. Intro APR of 0% for 14 months on purchases and 0% for 14 months for balance transfers. 11.99% to 22.99% Variable APR after. 3% transfer fee. $0 annual fee.
A 720 credit score will put you in the running for some of the best credit cards on the market, provided you meet the card’s minimum income requirements. The very best cards, however, require excellent credit. That’s a credit score of 750 or better. To move up to that next level, maintain a history of timely payments and try reducing the amount of credit you use to less than 30%. The lower the ratio, the bigger the jump in your credit score. Also, avoid closing any credit cards or applying for new credit in a short period of time.
The best credit card for a 660 credit score is the Capital One Platinum Credit Card, which has a $0 annual fee and $0 foreign transaction fees. After you make your first 5 payments on time, you could also get upgraded to a higher credit line. The Capital One Platinum Credit Card does not offer rewards, but it can help you build credit for free.… read full answer
If you’re set on rewards, the best credit card for a 660 credit score is the Capital One QuicksilverOne Cash Rewards Credit Card. It offers 1.5% cash back on all purchases, which is an above average earning rate. However, it does charge an annual fee of $39 .
Target Credit Card: $0 annual fee. Save 5% at Target in-store and online, plus an extra 30 days on returns. Most Target.com orders qualify for free 2-day shipping.
The best credit card for a 660 credit score is one that charges no or low fees. Credit cards for fair credit don’t have the best interest rates. So, try to pay your bill in full and on time every month. Doing so, along with keeping your credit utilization low, should eventually get your score in the good range. Before you apply for a card, you may be able to check for pre approval to test the waters. If you’re pre approved, you’re not guaranteed approval but your odds are about as high as they can be.
The Citi® Double Cash Card is totally one of the best at that level. Can't beat cash back!
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