What's the Blue Cash Everyday credit score requirement?

Question

The best credit card for a 700 credit score could be Capital One Venture if you’re eager to earn travel rewards, Blue Cash Preferred® Card from American Express if you’d prefer cash back or Wells Fargo Platinum 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.… read full answer

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 and an additional 50,000 miles for spending $20,000 in the first 12 months. 2 miles per $1 on all purchases. No foreign transaction fees. $95 annual fee.

For Balance Transfers – Wells Fargo Platinum card - Intro APR of 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers on balance transfers. 3% balance transfer fee for transfers made in the first 120 days (5% after). No rewards. 3% foreign transaction fee. $0 annual fee.

For Cash Back – Blue Cash Preferred® Card from American Express - Intro APR of 0% for 12 months on purchases. Earn rate of 1 - 6% cash back. 2.7% foreign transaction fee. $95 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.

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Answer 1 · 2020-02-17 09:40:29

Joyce Brown, CPA

@blackhole1 02/17/20 First posted on 06/18/18
Last reviewed on 02/17/20

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The Blue Cash Everyday credit score requirement is good credit or better. A 700 credit score would give you a decent chance of being approved. The likelihood of approval increases the closer you get to a perfect credit score of 850.

But your credit score is only one of the factors considered when you apply. American Express will also consider your income, existing debts, number of recently opened accounts and other things. Make sure you are aware of what American Express looks for before applying.

Here’s what we know about Blue Cash Everyday credit scores:

Blue Cash Everyday requires a good or excellent credit score for approval.
To have good approval odds for Amex Blue Cash Everyday, a credit score of 700+ is needed.
Blue Cash Everyday’s non-credit score requirements include a steady income and a Social Security Number, ITIN or passport. American Express will also look at your expenses, existing debt, payment history and recent credit inquiries.
The Blue Cash Everyday card’s good credit score requirement is consistent with all credit cards issued by American Express. For example, the Blue Cash Preferred, Premier Rewards Gold and Amex EveryDay cards also require a credit score above 700 for good approval odds.
Some cards on the Amex network have lower credit score requirements than Blue Cash Everyday. For example, people with bad credit can get the USAA Secured Amex Card.

At the very least, you’ll want to check your latest credit score before you apply for Blue Cash Everyday. You can also get a better idea of your Blue Cash Everyday approval chances by checking for pre-qualified offers on Amex’s website. People who are pre-qualified aren’t guaranteed approval, but they’re very likely to be approved.

What's the Blue Cash Everyday credit score requirement?

Joyce Brown, CPA

Blue Cash Everyday® Card from American Express

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