Credit Cards for Good Credit

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 bonus miles for spending $3,000 in the first 3 months. 2 miles per $1 on all purchases (10 points 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. 0% APR for 18 months on balance transfers (3% transfer fee). 3% foreign transaction fee. No annual fee. 
• For Balance Transfers – Chase Slate
  0% APR for 15 months on purchases and balance transfers. No balance transfer fee for transfers made in the first 60 days. No rewards. 3% foreign transaction fee. No annual fee.
• For Big-Ticket Financing – Citi Simplicity
  0% APR for 18 months on purchases and balance transfers. 3% balance transfer fee (minimum $5). No rewards. 3% foreign transaction fee. No annual fee.
• Hotel Perks – Radisson Premier Visa Signature
  50,000 bonus points for making your first purchases, plus 35,000 more for spending $2,500 in the first 90 days. 10 points per $1 spent at Radisson, 5 everywhere else. 40,000 bonus points for renewing your card every year. Gold Status, which gives you 22 points per $1 at Radisson (with any card), a 15% food/beverage discount, room upgrades and more. 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 tables turn when you reach good credit. Instead of you having to prove yourself to credit card companies, they must now compete for your business. For one thing, more issuers have credit cards for people with good credit than offers for folks with fair, limited or bad credit. And they’re all looking to woo trustworthy new customers who pose relatively little risk and thus have a lot of profit potential.
That’s why people with good credit can expect to earn roughly twice as much rewards value as someone with fair credit or enjoy 0% financing for about twice as long. Credit cards for people with good credit also tend to have much lower regular APRs (19.88% on average) than those for folks with fair credit (22.41%).
After all, you’ll have access to many of the market’s best overall credit cards, which usually require good or excellent credit for approval.

There is no hard-and-fast timetable for when someone will reach good credit. How long it takes depends on a number of different factors, such as your payment history and how long you’ve been using credit. With that being said, it’s possible to build a good credit score from scratch in as little as six months.
But a good score based on limited information won’t last unless you continue to make on-time payments, maintain low credit utilization, etc. And it generally takes at least three years of responsible borrowing to build a consistently good credit score. Potential creditors simply need proof that you can use credit responsibly and afford the spending power provided by a new card.
You can see whether you have a good credit score, plus track your progress moving forward, for free on WalletHub. You can also learn more about how long credit improvement takes from this WalletHub guide.

Yes, credit cards for good credit are generally better than credit cards for people with fair, limited or bad credit. But there are exceptions, depending on how you plan to use your plastic.
For example, store credit cards typically require just fair credit for approval. But some offer the best rewards of any card for purchases made at the specific retailers they’re affiliated with. You obviously can’t use a store card for everything. So such a card can’t really compete with a solid everyday rewards card for good credit overall. But using both cards would be better than opting solely for a Visa, Mastercard, American Express or Discover card.
Interestingly enough, while credit cards for good credit tend to be more attractive than cards for people at lower credit levels, they usually aren’t at much of a disadvantage relative to offers reserved for people with excellent credit. The best credit cards often require at least good credit for approval. This is especially true with rewards cards, as it can be a bit harder to get the very best 0% offers.
For help finding the best credit card for your particular needs, sign up for a free WalletHub account. We’ll give you a personalized credit card recommendation based on your latest credit score and report.

The best credit card for a 660 credit score is the Capital One Platinum card, which has a $0 annual fee and a $0 foreign transaction fee. And after you make your first five payments on time, you could get upgraded to a higher credit line. Capital One Platinum does not offer rewards, but it can help you build your credit for free.

If you’re set on rewards, the best credit card for a 660 credit score is Capital One QuicksilverOne. It offers 1.5% cash back on all purchases, which is an above average earning rate. However, it does charge an annual fee of $39.

A 660 credit score is considered fair credit, but it isn’t too far from good credit, which starts at 700. So you might have a shot at getting a credit card for people with good credit, if you have a lot of income relative to your debt or you wait a little while to improve your score before you apply. The Citi Double Cash Card is a good option because it offers 2% cash back rewards and has no annual fee. Customers report it’s possible to get with a 660 score, but it’s definitely less likely than with a score of 700.

Here are the best credit cards for a 660 credit score:

• Capital One QuicksilverOne Credit Card: $39 annual fee. Unlimited 1.5% cash back on all purchases. After, first 5 on-time payments, may be eligible for a higher credit line. No foreign transaction fee.
• Amazon.com Store Card: No annual fee. Amazon Prime members get 5% back on all purchases. Once approved, $10 Amazon gift card uploaded to your Amazon account.
• Capital One Platinum: No annual fee. No rewards but possible access to a higher credit line after making first 5 payments on time. Possible upgrade to Capital One Quicksilver once your credit improves.
• Journey Student Rewards from Capital One: No annual fee. Unlimited 1% cash back on all purchases. Earnings bumped to 1.25% every month you pay your bill on time.
• Target Credit Card: No annual fee. Save 5% at Target in-store and online, plus an extra 30 days on returns. Most Target.com orders qualify for free 2-day shipping.
• Citi Double Cash: No annual fee. Unlimited 2% cash back on all purchases: 1% when you buy and 1% when you pay. 0% APR on balance transfers for 18 months (3% fee). This card is for good credit (700+ score).

The best credit card for a 660 credit score is one that charges no or low fees. Credit cards for fair credit don’t have the best interest rates. So try to pay your bill in full and on time every month. Doing so, along with keeping your credit utilization low, should eventually get your score in the good range.

Before you apply for a card, you may be able to check for pre approval to test the waters. If you’re pre approved, you’re not guaranteed approval but your odds are about as high as they can be.