Best Credit Cards for Credit Scores of 700 to 749

More than 50% of the population has a credit score over 700. The average FICO score is 716. If you find yourself in this category, you have a wealth of options like access to some of the best credit cards cards.

Rewards are one of America’s favorite credit card features. If you’re going to spend the money anyway, you might as well get cash back, points or miles, right? Definitely. So here’s our list of the best credit cards for credit scores of 700 to 749.

Best Credit Cards for Credit Scores of 700 to 749

Best Credit Cards for a Credit Score of 700 to 749

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List of the Best Credit Cards for Good Credit (Score of 700 to 749)

Chase Freedom Unlimited®

The Chase Freedom Unlimited® offers cash back and no annual fee. The card features up to 5% cash back, a 0% intro APR and an excellent signup bonus (see below for details). It’s one of our favorite cash back cards and could easily serve as the only card you carry.

Tip: This card earns Chase Ultimate Rewards, so you can pair it with the Chase Sapphire Preferred® Card and earn a 25% bonus when you redeem points for travel through Chase.

Rewards:

5% cash back

Travel

Earn 5% cash back on travel purchased through Chase Ultimate Rewards

3% cash back

Drugstores

Earn 3% on drugstore purchases

3% cash back

Dining

Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services

1.5% cash back

On all other purchases

Earn 1.5% cash back on all other purchases

Card Features:

Welcome Bonus: Earn an additional 1.5% cash back on purchases up to $20,000 spent in the first year (worth up to $300 cash back)
0% Intro APR: Get a 0% intro APR on purchases for the first 15 months and on balance transfers for the first 15, then a variable rate of 17.24% - 25.99%.
Annual Fee: $0

Credit Score of Approved and Denied Applications

Here’s data we’ve collected on approvals and denials by credit score:

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	03/04/2022	724	TransUnion	$13,900
Approved	03/04/2022	726	Experian	$13,900
Approved	02/16/2022	772	Experian	$18,000
Approved	02/16/2022	778	TransUnion	$18,000
Approved	02/16/2022	803	Equifax	$18,000
Approved	03/02/2022	793	TransUnion	$12,700
Approved	06/07/2021	782	Experian	$4,700
Approved	08/01/2021	772	Equifax	$13,200
Approved	08/01/2021	773	Experian	$13,200
Approved	08/01/2021	818	TransUnion	$13,200
Denied	09/16/2019	758	Equifax	---
Denied	09/16/2019	762	TransUnion	---
Denied	06/13/2019	612	Experian	---
Denied	06/13/2019	613	TransUnion	---

Read more in our Chase Freedom Unlimited® Review

Chase Freedom Flex(SM)

The Chase Freedom Flex(SM) features up to 5% cash back and no annual fee. The card also offers an easy-to-earn signup bonus and a 0% intro APR. You also have more opportunities to earn 5% cash back with quarterly rotating bonus categories. If you don’t mind changing up your bonus categories a few times a year, you can maximize rewards with this card.

Rewards:

5% cash back

Rotating Categories

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate

5% cash back

Travel

5% cash back on travel purchased through Chase Ultimate Rewards

3% cash back

Drugstores

3% cash back on drugstore purchases

3% cash back

Dining

3% cash back on dining at restaurants, including takeout and eligible delivery services

1% cash back

On all other purchases

1% cash back on all other purchases

Card Features:

Welcome Bonus: $200 (after spending $500 within first 3 months)
0% Intro APR: 15 months on purchases, then a variable rate of 17.24% - 25.99%
Annual Fee: $0

Read more in our Chase Freedom Flex(SM) Review

Citi® Double Cash Card - 18 month BT offer

Sometimes it’s complicated to figure out how to maximize your cash back. The Citi® Double Cash Card - 18 month BT offer changes the game by being simple to use.

You earn cash back on all purchases, and again when you pay them off. Think of it as a reward for paying your card on time.

Rewards:

2% cash back

All eligible purchases

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Card Features:

Welcome Bonus: None
0% Intro APR: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness.
Annual Fee: $0

Credit Score of Approved and Denied Applications

Here’s data we’ve collected on approvals and denials by credit score:

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	08/15/2020	749	Equifax	$7,000
Approved	05/12/2021	690	Equifax	$6,100
Approved	04/26/2020	752	Equifax	$13,800
Denied	09/06/2020	777	Equifax	---
Denied	06/13/2021	630	Equifax	---

Read more in our Citi® Double Cash Card - 18 month BT offer Review

Wells Fargo Active Cash Card

The Wells Fargo Active Cash Card offers unlimited 2% cash rewards on all purchases and no annual fee. There’s also a 0% intro APR on purchases and balance transfers. But you’ll need to make balance transfers within 120 days from account opening to qualify for the intro APR.

Rewards:

2% cash back

All eligible purchases

Earn unlimited 2% cash rewards on purchases

Card Features:

Welcome Bonus: $200 after you spend $1,000 in the first 3 months
0% Intro APR: 15 months on balance transfers and 15 months on purchases, then a variable rate of 16.49%, 21.49%, or 26.49%
Annual Fee: $0

Credit Score of Approved and Denied Applications

Here’s data we’ve collected on approvals and denials by credit score:

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	07/01/2021	737	Experian	$2,000
Approved	07/01/2021	775	Experian	$4,000

Read more in our Wells Fargo Active Cash Card Review

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is as the name suggests, for everyday use. This card offers excellent rewards for groceries and gas. With no annual fee, it makes sense to see if this card is worth it.

But, there are better options for frequent flyers and heavy travelers. Consider carrying this card along with a travel rewards card. There are a few on this list that will give you better rewards for hotels, flights, and other travel purchases.

Rewards:

3% cash back

U.S. supermarkets

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.

3% cash back

Select Categories

3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.

3% cash back

Gas

3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.

1% cash back

On all other purchases

1% cash back on all other eligible purchases.

Card Features:

Welcome Bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
0% Intro APR: Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.99% - 27.99% Variable variable APR.
Annual Fee: $0

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express is a step up from the Blue Cash Everyday. But it’s still aimed at non-travelers. It’s great for families that buy in bulk, or people that are on the road often.

You can also get great cash back on transit purchases. Rideshare, trains, buses, taxis, parking, and tolls are also included.

Rewards:

6% cash back

U.S. supermarkets

6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%

6% cash back

Streaming services

6% cash back on select U.S. streaming subscriptions

3% cash back

Gas

3% cash back at U.S. gas stations

3% cash back

Transit

3% cash back on transit, such as taxis, rideshare, parking, tolls, trains and buses

1% cash back

On all other purchases

1% cash back on all other eligible purchases

Card Features:

Welcome Bonus: $350 when you spend $3,000 in the first 6 months
0% Intro APR: 12 months on purchases and balance transfers from the date of account opening, then a variable rate, 16.99% - 27.99%.
Annual Fee: $95

Credit Score of Approved and Denied Applications

It may surprise some, but we’ve actually seen several approves for this card with credit scores below 700. Here’s data we’ve collected on approvals and denials by credit score:

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	05/17/2021	675	Experian	$2,000
Approved	04/09/2022	780	Experian	$6,000
Approved	04/09/2022	787	TransUnion	$6,000
Approved	12/17/2021	680	Experian	$1,000
Approved	12/17/2021	692	TransUnion	$1,000
Approved	03/20/2022	673	Experian	$1,000
Approved	07/21/2021	681	Experian	$1,000

Read more in our Blue Cash Preferred® Card from American Express Review

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is for travelers. You get unlimited miles and up to 5 miles per dollar spent when booking through Capital One Travel (2 miles per dollar otherwise).

The card comes with a $95 annual fee. But there’s also an intro offer of 75,000 miles. The bonus takes the sting out of the annual fee.

Rewards:

5x miles

Hotels

Earn unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel

2x miles

All eligible purchases

Earn unlimited 2 miles per dollar on every purchase

Card Features:

Welcome Bonus: 75,000 miles once you spend $4,000 on purchases within the first 3 months
0% Intro APR: None. Regular APR is a variable rate of 18.99% - 26.99%
Annual Fee: $95

Credit Score of Approved and Denied Applications

Here’s data we’ve collected on approvals and denials by credit score:

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	10/25/2021	728	Experian	$10,000
Approved	10/25/2021	731	Equifax	$10,000
Approved	10/25/2021	740	TransUnion	$10,000

Read more in our Capital One Venture Rewards Credit Card Review

U.S. Bank Altitude® Connect Visa Signature® Card

The U.S. Bank Altitude® Connect Visa Signature® Card features plenty of rewards and a generous welcome bonus. The annual fee is also waived for the first year. You’ll maximize your rewards using this card for travel. But it also offers excellent rewards for everyday purchases like gas, groceries, and dining.

Rewards:

5x points

Hotels

5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.

5x points

Rental Cars

5X points on prepaid car rentals booked directly in the Altitude Rewards Center.

4x points

Travel

4X points on travel.

4x points

Gas

4X points at gas stations and EV charging stations.

2x points

U.S. supermarkets

2X points at grocery stores and grocery delivery.

2x points

Streaming services

2X points on streaming services.

2x points

Dining

2X points on dining.

1x points

On all other purchases

1X point on all other eligible purchases.

Card Features:

Welcome Bonus: 50,000 points with a minimum spend of $2,000 in the first 120 days
0% Intro APR: None. Regular APR is a variable rate of 18.99% - 26.99%
Annual Fee: $0 for the first year, then $95

Read more in our U.S. Bank Altitude® Connect Visa Signature® Card Review

How to Choose a Credit Card for Good Credit

With so many credit cards out there, how do you know which one is right for you? A few things:

Does it have a signup bonus? This doesn’t have to be a dealbreaker. But, it might be the deciding factor if you’re having trouble choosing between two cards.
Is there an annual fee? Think of an annual fee the same way one would think of membership dues. Is it really worth it to be part of the club? What are you getting in return?
Are you planning a balance transfer? 0% APR is the best way to go. Zero interest offers rock, and credit scores of 700 to 749 qualify for these deals all the time.

The right card matches your spending profile. Be sure that you understand your numbers before you apply. For example, even if a card offers a weet bonus and tons of rewards on travel, it won’t be worth it if you don’t travel often.

FAQS

Can I get a credit card with a credit score of 700?

Yes, you can get a credit card with a credit score of 700. The top FICO score at the time of this writing is 850. Anything over 800 is top-tier credit. Lenders consider these people the lowest risk of defaulting.

For the rest of us that don’t have perfect scores, there are plenty of credit cards that are still available. The most important part is to apply and grow your score through responsible usage.

What type of credit card can I get with a credit score of 700?

Several types of credit cards are available with a credit score of 700, including cash back cards, balance transfer cards, travel, and 0% APR cards.

What is a normal credit limit for good credit scores?

As reported by CNBC, Americans enjoy an average cumulative credit limit of $22,761. This gives a lot of spending power, but the normal credit limit for a good credit score can be lower than that.

Indeed, a credit limit of $5000 to $10,000 is more in line for people with credit scores of 700 to 749. Income, debt, payment history, type of credit card, and other factors play a role in credit limits.

How can you improve your score from good to excellent?

The best way to move your score from good to excellent is to take inventory of how you’re taking care of your credit. Like a good garden, you have to tend your credit regularly. Payment history is a huge factor in your FICO score. Consider setting up auto-pay to ensure that you never miss another payment.

Credit utilization is also one of the biggest factors behind a great credit score. Pay attention to how much money you owe on each credit card. Those with excellent credit do not use anywhere near the amount of credit they have.

Final Thoughts

The best credit cards get used regularly, line up with your money goals, and have affordable fees. For those new to the 700 credit score tier, this is where credit truly begins bringing better options. You can enjoy lower interest rates, and bigger rewards.