Jane Parker, WalletHub Credit Card Analyst
@parker16
The best credit card for a 720 credit score is the Regions Prestige Visa® Signature Credit Card because it offers great rewards on purchases along with a $0 annual fee. Cardholders can earn 10,000 points after spending $500 or 20,000 points after spending $1,000 in the first 90 days and 1 - 3 points per $1 spent on purchases.
Best Credit Cards for a 720 Credit Score
Initial Bonus: 10,000 points after spending $500 or 20,000 points after spending $1,000 in the first 90 days
Ongoing Rewards: 3 points per $1 spent on dining and entertainment purchases, 2 points per $1 spent on gas and grocery store purchases, and 1 point per $1 spent on all other purchases
Annual Fee: $0
Credit Score: Good
- Initial Bonus: Chase Sapphire Preferred® Card
Initial Bonus: 75,000 points for spending $5,000 on purchases in the first 3 months
Ongoing Rewards: 5 points per $1 spent on travel purchased through Chase Travel℠, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases
Annual Fee: $95
Credit Score: Good
- Cash Rewards: Wells Fargo Active Cash® Card
Initial Bonus: $200 cash rewards after spending $500 on purchases in the first 3 months
Ongoing Rewards: 2% cash rewards on purchases
Annual Fee: $0
Credit Score: Good
- Rewards & Transfers: Citi Double Cash® Card
Initial Bonus: $200 for spending $1,500 in the first 6 months
Ongoing Rewards: 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash back on hotel, car rentals and attractions booked with Citi Travel
Annual Fee: $0
Credit Score: Good
- Bonus Rewards: Citi Strata Premier® Card
Initial Bonus: 60,000 points for spending $4,000 in the first 3 months
Ongoing Rewards: 10 points per $1 spent on hotels, car rentals and attractions booked on CitiTravel.com, 3 points per $1 spent on air travel, at hotels, restaurants, supermarkets, gas and EV charging stations, as well as 1 point per $1 on all other purchases
Annual Fee: $95
Credit Score: Good
- Customized Rewards: Citi Strata℠ Card
Initial Bonus: 20,000 bonus points after spending $1,000 in the first 3 months
Ongoing Rewards: 5 points per $1 spent on hotels, car rentals and attractions booked on cititravel.com, 3 points per $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores), supermarkets, on select transit purchases, at gas & EV charging stations, 2 points per $1 spent at restaurants, as well as 1 point per $1 on all other purchases
Annual Fee: $0
Credit Score: Good
With a good credit score of 700+ and a steady income, you should be able to get approved for cards like these.
How a 720 Credit Score Affects Your Credit Card Selection
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. You’ll have the luxury of having access to some of the best travel, cash back, or financing credit cards and tailoring your pick according to your needs.
Some of 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 your credit utilization below 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.
Popular Credit Cards for Good Credit from Our Partners
-
Travel Rewards
-
Cash Back
-
Initial Bonus
-
Long Intro APR
People also ask
What are some easy credit cards to get with good credit?
The easiest credit cards to get with good credit are credit cards for fair, limited or bad credit. The Capital One Platinum Credit Card, the Petal Visa Credit Card, and the Target Credit Card should all be very easy to get with good credit, for example.
On the other hand, people with good credit can also have an easy time getting certain credit cards that require good credit or better. Capital One Quicksilver is...
read full answer by Gina Marte, WalletHub AdvisorCan i get a credit card with a 720 credit score?
Yes, you can get a credit card with a 720 credit score. One of the best credit cards for a 720 score is Chase Freedom Unlimited® because it gives 1.5 - 5% cash back on purchases and has a $0 annual fee. In addition, the card provides an introductory APR of 0% for 15 months on purchases, with a regular APR of 18.24% - 27.74% (V).
Chase Freedom Unlimited isn’t the only card worth considering, though. Below are some more credit card options for people with a 720...
read full answer by Adam McCann, Financial WriterWhat store credit card can I get with a 720 credit score?
The best store-affiliated credit card you can get with a 720 credit score is the Amazon Credit Card, which offers a $0 annual fee, good rewards on purchases, and a $50 Amazon gift card upon approval ($150 for Prime members). It is available to people with good credit and can be used anywhere Visa is accepted.
The $0 is technically a co-branded card rather than a “store card,” since store cards can only be used at the merchants they are partnered with. Most store cards...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.