Limited credit history or a credit score higher that 640 should be fine to get the Discover student card, but keep in mind that lots of other factors go into if you're approved for a card or not.
They will also look at your recent hard inquiries, debt, income and any negatives on your credit report.
One of the best credit cards for a 700 credit score is the Wells Fargo Active Cash® Card. This card offers 2% cash rewards on all purchases. 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.
What to Know Before Getting a 700 Credit Score Credit Card
In general, you want to focus on cards that require good credit or below, since 700 is considered a good credit. Of course, there are other things that affect the application process, too. Some other key criteria include 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 80%. You can do a pre-approval check for most of the top credit cards for a 700 credit score.
Some of the Best Credit Cards for 700 Credit Score
As you may have noticed, several 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.
Generally, the best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance.... read full answer
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