The best credit card for a 700 credit score could be Capital One Venture if you’re eager to earn travel rewards, Citi Double Cash if you’d prefer cash back or Chase Slate 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:
For Travel Rewards – Capital One Venture
50,000 miles for spending $3,000 in the first 3 months. 2 miles per $1 on all purchases (10 miles per $1 at hotels.com/venture). No foreign transaction fees. $95 annual fee waived the first year.
For Cash Rewards – Citi Double Cash
1% cash back on all purchases, with another 1% cash back when you pay them off. Intro APR of 0%
for 18 months on balance transfers (3% transfer fee). 3% foreign transaction fee. $0 annual fee.
For Balance Transfers – Chase Slate
Intro APR of 0%
for 15 months on purchases and 0%
for 15 months on balance transfers. $0 balance transfer fee for transfers made in the first 60 days. No rewards. 3% foreign transaction fee. $0 annual fee.
For Big-Ticket Financing – Citi Simplicity
Intro APR of 0%
for 12 months on purchases and 0%
for 21 months on balance transfers. 5% (min $5) balance transfer fee. No rewards. 3% foreign transaction fee. $0 annual fee.
Hotel Perks – Radisson Premier Visa Signature
50,000 bonus points for making your first purchase, plus 35,000 points for spending $2,500 in the first 90 days. 10 points per $1 spent at Radisson and 5 everywhere else. 40,000 bonus points for renewing your card every year. 3% foreign transaction fee. $75 annual fee.
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.