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The industry standard for determining credit risk, FICO credit scores range from 300 to 850. 670-739 is considered a good score, 740-799 is very good, 800-850 is exceptional. A 700 score places you in the middle of a good range, but still a little down Average credit score 716.
Expect to pay around with an average credit score Average credit card interest rate. However, you may be eligible for a higher or lower APR based on you Creditivity. Credit card APRs vary, so please research your options before making a decision.
To help you find the right card for a 700 credit score, we have put together a list of options that applicants with a 700 score may qualify for. Options range from those with generous reward rates to low ongoing APRs, some are listed on the list Best credit cards for good credit.
Top credit cards with 700 credit scores
Perfect for food and groceries
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Above Capital 1A safe site
See rates and rates
19.24% – 29.24% (variable)
Perfect for travelers
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Above Capital 1A safe site
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Earn 75,000 miles + $250 in capital credit
19.99% – 29.24% (variable)
Perfect for household expenditure
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Above American ExpressA safe site
See rates and ratesthe term applies
Perfect for custom bonus categories
18.24% – 28.24% (variable)
19.24%, 24.24%, or 29.24% Variable APR
Potentially ideal for low interests
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Above UpgradeA safe site
See rates and rates
Compare the best cards for a 700 credit score
| Card name | Annual fees | Reward highlights | Recommended Credit Score |
|---|---|---|---|
| Capital One Savor Cash Rewards Credit Card | $0 (See Fees and Fees) |
|
670 – 850 |
| Capital One Venture Rewards Credit Card |
$95 (See Fees and Fees) |
|
670 – 850 |
| American Express Blue Cash Everyday® Card | $0 |
|
It’s good, it’s great |
| City Custom Cash® Card* | $0 |
|
670 – 850 |
| Wells FargoActiveCash® Card |
$0 |
|
670 – 850 |
| Upgrade your CashRewards Visa® | $0 |
|
670 – 850 |
How to choose a card with a 700 credit score
When choosing a credit card with a credit score of 700, consider how that card will help you achieve your financial goals. Keep expanding your creditworthiness and aiming to improve your score, and don’t settle for useless credit cards in months or years.
Here are some tips for choosing a card to keep your credit score rising while making the most of your work.
Find savings through Intro APR offers
You can easily manage and find an APR card or 0% intro APR OffrFor purchases, balance transfers, or both. These offers are planned to be used without temporarily balancing what you owe or earning high interest rates.
Make your card fit into your spending habits
Having a credit score of 700 opens the door to some solid rewards; Cashback Card. It may be wise to jump to the first card with a boosted reward rate, but it’s better to calculate your regular annual spending and then boost the reward rates for these categories to match the best predicted categories to your cards.
Time your application with your biggest purchase
If you have some Large purchases If you increase your spending, you will come several times throughout the year or know a few times, so we recommend that you consider when to match those purchases in your credit card application. This plan will help you meet your sign-up bonus spending requirements and you can take advantage of a 0% APR offer.
How to get a great credit score
It takes time and patience to reach a great credit score. But you can Build your credits Towards a great layer with these tips:
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Keep credit usage low: your Credit usage rate The amount of credits to be used against the total amount available. Keep your usage below 30% to maintain and increase your credit score.
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Pay on time: Pay your card balance as fully as possible, to avoid interest charges and establish a strong payment history.
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Keep your old credit card open: You might think Close your old credit card It helps to maintain organization, but credit scores don’t benefit. You can leave your old card open to increase the age of your credit history.
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Don’t solve it: If you watch the climbing scores and get closer to something great, don’t settle down. Maintaining a positive trust habit can help you get a higher score.
What’s next?
Conclusion
Whether a 700 credit score is your goal or you are aiming even higher, continue to practice good credit habits. There are several cards available with a score of about 700, but the higher the score, the better the cards you get. Be patient, maintain consistent habits and you will go smoothly along your way Excellent score immediately.
