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, the Discover it Secured 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. Discover it Cash Back and Capital One Quicksilver are on the easy end of credit cards with good credit, because Discover and Capital One credit cards are rumored to be easier to get than other credit cards - even when the cards have the same approval requirements on paper. Both of these cards require good credit or better for approval, and both offer great rewards for spending.
People with good credit have a lot of credit card options to choose from. Every major credit card company offers credit cards for people with good credit. And many of them are great cards for rewards and travel. While no credit card company is really known as the “easiest” to get a credit card from, reports online suggest it’s more difficult to get approved for a Chase credit card than cards from some other major issuers.
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.… 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. 2 miles per $1 on all purchases (10 miles per $1 at hotels.com/venture). No foreign transaction fees. $95 annual fee.
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 18 months on purchases and 0% for 18 months on balance transfers. 3% (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.
The easiest major credit card to get is the Capital One QuicksilverOne Credit Card or the Capital One Platinum Credit Card, because both only require limited credit for approval. These are two of the few credit cards from the top 5 largest credit card companies that offer an unsecured credit line and aren't student credit cards. Capital One QuicksilverOne has an annual fee of $39, while Capital One Platinum has a $0 annual fee.… read full answer
There are plenty of easy major credit cards to get if you're a student, or you don't mind getting a secured credit card. For students, the easiest major credit card to get is the Discover it Student Chrome, because it's designed for students with no credit, and the annual fee is $0. And the easiest major secured credit card to get is the Discover it Secured Credit Card, because it's meant for people with bad credit and it doubles the 1 - 2% Cash Back you earn in the first year, plus there's a $0 annual fee.
A few credit cards for good credit with instant approval are the Citi Double Cash Card, the Capital One Savor Credit Card, and the Discover it Cash Back Credit Card. They’re some of the most rewarding credit cards for good credit and have the potential to instantly approve an online application. That said, all credit cards offer instant approval to the right applicants, as long as you apply online.… read full answer
To be the “right applicant” and get instant approval for a credit card, you’ll want to make sure you’re well within the approval criteria for the card you’re applying for. For the best results, have a clean credit report with no late payments, a “good” credit score (700 or higher), and enough annual income to satisfy the credit card company that you’ll be able to pay your bill.
To further improve your instant approval odds, try applying for a credit card for fair credit rather than one that requires good credit at a minimum. As a person with good credit, you’ll be much more qualified. Store credit cards are a good example. They all require at least fair credit, have great rewards and are known for offering instant approval online or in person.
If it takes longer to get a decision on your credit application, it could be because they need to deliberate further on your information. It could also be because the credit card company is having trouble verifying your identity. In the case of the latter, they’ll likely ask you a few more questions and it could take a few days to get a decision.
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