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.
List of the Best Credit Cards for Good Credit (Score of 700 to 749)
Chase Freedom Unlimited®

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:
Card Features:
- Welcome Bonus: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
- 0% Intro APR: Get a 0% intro APR on purchases for the first 15 months and on balance transfers for the first 15 months, then a variable rate of 19.74% - 28.49%.
- Annual Fee: $0
Credit Score of Approved and Denied Applications
Here's data we've collected on approvals and denials by credit score:
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/04/2022 | TransUnion | ||
Approved | 03/04/2022 | Experian | ||
Approved | 02/16/2022 | Experian | ||
Approved | 02/16/2022 | TransUnion | ||
Approved | 02/16/2022 | Equifax | ||
Approved | 03/02/2022 | TransUnion | ||
Approved | 06/07/2021 | Experian | ||
Approved | 08/01/2021 | Equifax | ||
Approved | 08/01/2021 | Experian | ||
Approved | 08/01/2021 | TransUnion | ||
Denied | 09/16/2019 | Equifax | ||
Denied | 09/16/2019 | TransUnion | ||
Denied | 06/13/2019 | Experian | ||
Denied | 06/13/2019 | TransUnion |
Read more in our Chase Freedom Unlimited® Review
Chase Freedom Flex(SM)

Rewards:
Card Features:
- Welcome Bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
- 0% Intro APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99%–28.74%.
- Annual Fee: $0
Read more in our Chase Freedom Flex(SM) Review
Citi® Double Cash Card - 18 month BT offer

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:
Card Features:
- Welcome Bonus: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- 0% Intro APR: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% - 28.99%, 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:
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/15/2020 | Equifax | ||
Approved | 05/12/2021 | Equifax | ||
Approved | 07/25/2022 | Not Provided | ||
Approved | 08/26/2022 | Equifax | ||
Approved | 04/26/2020 | Equifax | ||
Denied | 09/02/2014 | Experian | ||
Denied | 06/16/2017 | Experian | ||
Denied | 09/06/2020 | Equifax | ||
Denied | 06/13/2021 | Equifax | ||
Denied | 04/06/2016 | Equifax | ||
Denied | 09/17/2015 | Experian |
Read more in our Citi® Double Cash Card - 18 month BT offer Review
Wells Fargo Active Cash® Card

Rewards:
Card Features:
- Welcome Bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- 0% Intro APR: 15 months from account opening on qualifying balance transfers and on purchases for 15 months from account opening, then a variable rate of 19.99%, 24.99% or 29.99%
- Annual Fee: $0
Credit Score of Approved and Denied Applications
Here's data we've collected on approvals and denials by credit score:
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/19/2022 | Equifax | ||
Approved | 09/04/2022 | Experian | ||
Approved | 10/12/2022 | Equifax | ||
Approved | 10/12/2022 | TransUnion | ||
Approved | 10/12/2022 | Experian | ||
Approved | 07/01/2021 | Experian | ||
Approved | 07/01/2021 | Experian |
Read more in our Wells Fargo Active Cash® Card Review
Blue Cash Everyday® Card from American Express

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:
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, 18.99% - 29.99% variable APR.
- Annual Fee: $0
Read more in our Blue Cash Everyday® Card from American Express Review
Blue Cash Preferred® Card from American Express

You can also get great cash back on transit purchases. Rideshare, trains, buses, taxis, parking, and tolls are also included.
Rewards:
Card Features:
- Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- 0% Intro APR: 12 months on purchases and balance transfers from the date of account opening, then a variable rate, 18.99% - 29.99%.
- Annual Fee: $0 intro annual fee for the first year, then $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:
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 05/17/2021 | Experian | ||
Approved | 04/09/2022 | Experian | ||
Approved | 04/09/2022 | TransUnion | ||
Approved | 12/17/2021 | Experian | ||
Approved | 12/17/2021 | TransUnion | ||
Approved | 03/20/2022 | Experian | ||
Approved | 07/21/2021 | Experian |
Read more in our Blue Cash Preferred® Card from American Express Review
Capital One Venture Rewards Credit Card

The card comes with a $95 annual fee. But there's a bonus that takes the sting out of the annual fee.
Rewards:
Card Features:
- Welcome Bonus: Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
- 0% Intro APR: None. Regular APR is a variable rate of 20.74% - 28.74%
- Annual Fee: $95
Credit Score of Approved and Denied Applications
Here's data we've collected on approvals and denials by credit score:
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 11/08/2020 | Not Provided | ||
Approved | 08/30/2020 | Experian | ||
Approved | 08/30/2020 | TransUnion | ||
Approved | 08/30/2021 | Equifax | ||
Approved | 10/25/2021 | Experian | ||
Approved | 10/25/2021 | Equifax | ||
Approved | 10/25/2021 | TransUnion |
Read more in our Capital One Venture Rewards Credit Card Review
U.S. Bank Altitude® Connect Visa Signature® Card

Rewards:
Card Features:
- Welcome Bonus: Earn 50,000 bonus points when you spend $2,000 in the first 120 days.
- 0% Intro APR: None. Regular APR is a variable rate of 20.99% to 28.99%
- Annual Fee: $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.