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Which credit card can I get with a 700 score?

April 9, 2025 7 Min Read
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Which credit card can I get with a 700 score?
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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

Apply nowrock

Above Capital 1A safe site

See rates and rates

19.24% – 29.24% (variable)

Perfect for travelers

Apply nowrock

Above Capital 1A safe site

See rates and rates

Earn 75,000 miles + $250 in capital credit

19.99% – 29.24% (variable)

Perfect for household expenditure

Apply nowrock

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

Apply nowrock

Above UpgradeA safe site

See also  Traveler Guide to the 1 mile capital

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)
  • 8% cashback on one Capital entertainment purchase
  • Book using Cashback Capital One Travel at 5% Hotels and Car Rentals
  • Unlimited 3% cashback on dining, entertainment, popular streaming subscriptions, grocery store purchases (except superstores such as Walmart and Target)
  • 1% cashback on all other purchases
670 – 850
Capital One Venture Rewards Credit Card
$95 (See Fees and Fees)
  • 5x miles for hotels and car rentals are booked on Capital 1 trip
  • Double on all other purchases
670 – 850
American Express Blue Cash Everyday® Card $0
  • 3% cashback on US supermarkets, US gas stations, and online retail purchases in the US (up to $6,000 per calendar year, 1% for each category)
  • 1% cashback on all other purchases
It’s good, it’s great
City Custom Cash® Card* $0
  • Each billing cycle per top eligible spending category with 5% cashback (up to $500 per billing cycle, 1%)
  • 4% cashback on hotels, cars and attractions booked through the City Travel Portal until June 30, 20125
670 – 850
Wells FargoActiveCash® Card
$0
  • Unlimited 2% cash reward for purchases
670 – 850
Upgrade your CashRewards Visa® $0
  • Earn 1.5% unlimited cashback on your card purchase every time you make a payment
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.

See also  How to use a credit card to cover your health expenses

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:

  • 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.

  • Pay on time: Pay your card balance as fully as possible, to avoid interest charges and establish a strong payment history.

  • 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.

  • 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.

See also  Does Wells Fargo reflect the cards?

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.

Frequently Asked Questions about 700 Credit Score

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