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. 

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

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:

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
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
5% cash back
Travel
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®

Card Features:

  • Welcome Offer: 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 20.49% - 29.24%.
  • Annual Fee: $0

Approval Odds

Credit Score of Approved and Denied Applications

Read more in our Chase Freedom Unlimited® 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 a $0 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:

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases.
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 in purchases, then 1%.

Card Features:

  • Welcome Offer: 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, 19.24% - 29.99% variable APR.
  • Annual Fee: $0

*Terms Apply

Approval Odds

Credit Score of Approved and Denied Applications

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


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:

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases
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
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

Card Features:

  • Welcome Offer: 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, 19.24% - 29.99%.
  • Annual Fee: $0 intro annual fee for the first year, then $95.

*Terms Apply

Approval Odds

Credit Score of Approved and Denied Applications

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


Capital One SavorOne Cash Rewards for Good Credit 

Capital One SavorOne Cash Rewards for Good Credit is perfect for you if you are hovering just underneath a credit score of 700. You get all the rewards and benefits of the Capital One SavorOne Cash Rewards Credit Card, except for the 0% intro APR and the bonus. If you apply for the SavorOne but your credit score isn't quite high enough, Capital One may approve you for this card instead.

Rewards:

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
3% cash back
Streaming services
Earn unlimited 3% cash back on popular streaming services
3% cash back
Dining
Earn unlimited 3% cash back on dining
3% cash back
Entertainment
Earn unlimited 3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% Cash Back on Capital One Entertainment purchases.
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Card Features:

  • Welcome Offer: N/A
  • 0% Intro APR: None. Regular APR is a variable rate of 30.74%
  • Annual Fee: $0

Approval Odds

Credit Score of Approved and Denied Applications

Read more in our Capital One SavorOne Cash Rewards for Good Credit 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 a bonus that takes the sting out of the annual fee.

Rewards:

2x miles
All eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Hotels
5 Miles per dollar on hotels and rental cars booked through Capital One Travel

Card Features:

  • Welcome Offer: 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 19.99% - 29.99%
  • Annual Fee: $95

Approval Odds

Credit Score of Approved and Denied Applications

Read more in our Capital One Venture Rewards Credit Card Review


Capital One Quicksilver Cash Rewards for Good Credit 

Capital One Quicksilver Cash Rewards for Good Credit is similar to the Capital One SavorOne Cash Rewards for Good Credit, in that if you apply for the Capital One Quicksilver Cash Rewards Credit Card but don't quite have the credit score needed, Capital One may approve you for this card instead. It's an excellent card as well and you get all the benefits and rewards of the Quicksilver Cash, just no Introductory APR offer or welcome bonus.

Rewards:

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on every purchase, every day
5% cash back
Travel
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Card Features:

  • Welcome Offer: N/A
  • 0% Intro APR: None. Regular APR is a variable rate of 30.74%
  • Annual Fee: $0

Approval Odds

Credit Score of Approved and Denied Applications

Find out more in our Capital One Quicksilver Cash Rewards for Good Credit review.


The Platinum Card® from American Express 

The Platinum Card® from American Express does have a hefty fee, but you get a lot of excellent credits and benefits with this card. If you make use of even half of them, this card is worth it. You get a $200 airline fee credit, a $200 hotel credit, and a credit for select streaming services, plus a lot more.

Rewards:    

1x points
On all other eligible purchases
1x on other purchases
5x points
Airfare
5x points on flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases each calendar year
5x points
Hotels
5x points on prepaid hotels booked on amextravel.com

Card Features:

  • Welcome Offer:  Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
  • 0% Intro APR: None. Regular APR is a variable rate of See Pay Over Time APR
  • Annual Fee: $695

*Terms Apply

Approval Odds

Credit Score of Approved and Denied Applications

Read more in our The Platinum Card® from American Express 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:

1x points
On all other eligible purchases
1X point on all other eligible purchases.
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.
4x points
Travel
4X points on travel.
4x points
Gas
4X points at gas stations and EV charging stations.
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.

Card Features:

  • Welcome Offer: 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 21.24% - 29.24%
  • Annual Fee: $95

Approval Odds

Credit Score of Approved and Denied Applications

Read more in our U.S. Bank Altitude® Connect Visa Signature® Card 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 Offer: 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 20.24%, 25.24% or 29.99%
  • Annual Fee: $0

Approval Odds

Credit Score of Approved and Denied Applications

Read more in our Wells Fargo Active Cash® Card Review


Citi® Double Cash Card - 18 month BT offer

The Citi® Double Cash Card - 18 month BT offer also offers 2% cash back on all purchases. While it's simple to use, it works a bit differently than other 2% cash back cards. We like that the card gives you an incentive to pay your balance in full.

You earn 1% cash back on all purchases, and 1% cash back 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 Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
  • 0% Intro APR: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Annual Fee: $0

Approval Odds

Credit Score of Approved and Denied Applications

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


Citi Custom Cash® Card

Citi Custom Cash® Card is a great choice if you want to earn 5% cash back and you don't want to deal with rotating categories. Citi gives you 5% cash back in your highest spend category for the month. There is a cap of $500 each month, so you can get a max of $25 in rewards a month. Still, $25 a month is $300 a year. That's not bad for a card with no annual fee.

Rewards: 

1% cash back
On all other eligible purchases
Earn unlimited 1% cash back on all other purchases.
5% cash back
Select Categories
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

Card Features:   

  • Welcome Offer: Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
  • 0% Intro APR: Get 0% APR on purchases and balance transfers for the first 15 months
  • Annual Fee: $0

Approval Odds

Credit Score of Approved and Denied Applications

Read more in our Citi Custom Cash® Card 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:

1% cash back
On all other eligible purchases
1% cash back on all other purchases
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
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

Card Features:

  • Welcome Offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.
  • 0% Intro APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%–29.24%.
  • Annual Fee: $0

Approval Odds

Credit Score of Approved and Denied Applications

Read more in our Chase Freedom Flex(SM) 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 sweet 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 at the lowest risk of defaulting. 

For the rest of us who 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.