Best Credit Cards for a 700 Credit Score
A 700 credit score qualifies you for nearly every mainstream rewards card — Chase Sapphire Preferred, Capital One Venture, Amex Gold, Citi Double Cash, and every cash-back card. Premium cards with $500+ fees sometimes ask for 720-750, but the core of the rewards market is wide open.
75 cards realistically approvable at this score.
Top picks for 700 Credit Score
Capital One
Capital One Venture X Rewards
Best for: Premium travelers seeking maximum value
$395
2x–10x
miles
$750 value
Annual Fee
$395
Rewards
2x–10x
Intro Offer
$750 value
Chase
Chase Ink Business Preferred
Best for: Growing businesses with travel and advertising expenses
$95
1x–3x
points
$1,125 value
Annual Fee
$95
Rewards
1x–3x
Intro Offer
$1,125 value
Chase
Chase Sapphire Preferred
Best for: Frequent travelers who dine out often
$95
1x–5x
points
$750 value
Annual Fee
$95
Rewards
1x–5x
Intro Offer
$750 value
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Chase
Chase Sapphire Reserve
Best for: Frequent luxury travelers
$550
1x–10x
points
$900 value
Annual Fee
$550
Rewards
1x–10x
Intro Offer
$900 value
American Express
American Express Gold Card
Best for: Foodies and grocery shoppers
$250
1x–4x
points
$600 value
Annual Fee
$250
Rewards
1x–4x
Intro Offer
$600 value
Chase
Chase Ink Business Cash
Best for: Small businesses with high office supply & telecom spend
$0
1%–5%
cashback
$750 value
Annual Fee
$0
Rewards
1%–5%
Intro Offer
$750 value
Chase
World of Hyatt Credit Card
Best for: Hyatt loyalists who value premium hotel stays
$95
1x–4x
points
$600 value
Annual Fee
$95
Rewards
1x–4x
Intro Offer
$600 value
Wells Fargo
Bilt Mastercard
Best for: Renters wanting to turn monthly rent into travel rewards
$0
1x–3x
points
N/A
Annual Fee
$0
Rewards
1x–3x
Intro Offer
N/A
Chase
Chase Freedom Flex
Best for: Savvy cashback maximizers, especially Chase ecosystem users
$0
1%–5%
cashback
$200 value
Annual Fee
$0
Rewards
1%–5%
Intro Offer
$200 value
Citi
Citi Strata Premier Card
Best for: Travelers who want high hotel multipliers and flexible transfer partners
$95
1x–10x
points
$750 value
Annual Fee
$95
Rewards
1x–10x
Intro Offer
$750 value
Chase
Chase Freedom Unlimited
Best for: Everyday spending with no annual fee
$0
1.5%–5%
cashback
$200 value
Annual Fee
$0
Rewards
1.5%–5%
Intro Offer
$200 value
Capital One
Capital One SavorOne
Best for: Dining and entertainment enthusiasts
$0
1%–3%
cashback
$200 value
Annual Fee
$0
Rewards
1%–3%
Intro Offer
$200 value
Citi
Citi Double Cash
Best for: Maximizing flat-rate cash back
$0
2%
cashback
$200 value
Annual Fee
$0
Rewards
2%
Intro Offer
$200 value
Citi
Citi Premier
Best for: Diverse spenders who want travel rewards
$95
1x–3x
points
$600 value
Annual Fee
$95
Rewards
1x–3x
Intro Offer
$600 value
American Express
American Express Platinum
Best for: Ultra-frequent travelers who can maximize credits
$695
1x–5x
points
$800 value
Annual Fee
$695
Rewards
1x–5x
Intro Offer
$800 value
American Express
Blue Cash Preferred from Amex
Best for: Families spending heavily on groceries
$95
Waived 1st yr
1%–6%
cashback
$250 value
Annual Fee
$95
Rewards
1%–6%
Intro Offer
$250 value
Wells Fargo
Wells Fargo Active Cash
Best for: Simple flat-rate cash back seekers
$0
2%
cashback
$200 value
Annual Fee
$0
Rewards
2%
Intro Offer
$200 value
Chase
Chase Ink Business Unlimited
Best for: Businesses wanting simple flat-rate rewards
$0
1.5%
cashback
$750 value
Annual Fee
$0
Rewards
1.5%
Intro Offer
$750 value
American Express
American Express Business Gold
Best for: Businesses with variable top spending categories
$295
1x–4x
points
$1,000 value
Annual Fee
$295
Rewards
1x–4x
Intro Offer
$1,000 value
American Express
American Express Business Platinum
Best for: Executives with heavy business travel and large purchases
$695
1x–5x
points
$1,500 value
Annual Fee
$695
Rewards
1x–5x
Intro Offer
$1,500 value
Capital One
Capital One Spark Cash Plus
Best for: High-spending businesses wanting simple flat-rate rewards
$150
2%–5%
cashback
$1,200 value
Annual Fee
$150
Rewards
2%–5%
Intro Offer
$1,200 value
Citi
Citi Simplicity
Best for: Paying off high-interest credit card debt
$0
None
cashback
0% APR / 12 mo
Annual Fee
$0
Rewards
None
Intro Offer
0% APR / 12 mo
Wells Fargo
Wells Fargo Reflect Card
Best for: Anyone needing maximum time to pay off debt interest-free
$0
None
cashback
0% APR / 21 mo
Annual Fee
$0
Rewards
None
Intro Offer
0% APR / 21 mo
Chase
United Explorer Card
Best for: Frequent United Airlines flyers
$95
Waived 1st yr
1x–2x
miles
$600 value
Annual Fee
$95
Rewards
1x–2x
Intro Offer
$600 value
Capital One
Capital One Venture Rewards
Best for: Travelers wanting simple flat-rate miles
$95
2x–5x
miles
$750 value
Annual Fee
$95
Rewards
2x–5x
Intro Offer
$750 value
U.S. Bank
U.S. Bank Altitude Reserve Visa Infinite
Best for: Mobile payment users wanting premium travel perks
$400
1x–5x
points
$750 value
Annual Fee
$400
Rewards
1x–5x
Intro Offer
$750 value
American Express
Blue Cash Everyday Card from American Express
Best for: Everyday household spending — groceries, gas, and online shopping
$0
1%–3%
cashback
$200 value
Annual Fee
$0
Rewards
1%–3%
Intro Offer
$200 value
Citi
Costco Anywhere Visa by Citi
Best for: Costco members who drive frequently
$0
1%–4%
cashback
N/A
Annual Fee
$0
Rewards
1%–4%
Intro Offer
N/A
American Express
American Express Blue Business Plus
Best for: Small business owners who want no-fee Membership Rewards
$0
1x–2x
points
$150 value
Annual Fee
$0
Rewards
1x–2x
Intro Offer
$150 value
Citi
Citi Custom Cash Card
Best for: People who want automatic 5% back in their top spending category
$0
1%–5%
cashback
$200 value
Annual Fee
$0
Rewards
1%–5%
Intro Offer
$200 value
U.S. Bank
U.S. Bank Altitude Go Visa Signature
Best for: Foodies who want high dining rewards without an annual fee
$0
1x–4x
points
$250 value
Annual Fee
$0
Rewards
1x–4x
Intro Offer
$250 value
U.S. Bank
U.S. Bank Altitude Connect Visa Signature
Best for: Travelers who value cell phone protection and streaming credits
$95
Waived 1st yr
1x–5x
points
$500 value
Annual Fee
$95
Rewards
1x–5x
Intro Offer
$500 value
Wells Fargo
Wells Fargo Autograph Card
Best for: People who spend across multiple categories and want no annual fee
$0
1x–3x
points
$200 value
Annual Fee
$0
Rewards
1x–3x
Intro Offer
$200 value
Wells Fargo
Wells Fargo Autograph Journey Card
Best for: Travelers who want high hotel and airline multipliers with transfer flexibility
$95
1x–5x
points
$600 value
Annual Fee
$95
Rewards
1x–5x
Intro Offer
$600 value
Bank of America
Bank of America Premium Rewards Card
Best for: Bank of America Preferred Rewards Platinum Honors members
$95
1.5x–2x
points
$600 value
Annual Fee
$95
Rewards
1.5x–2x
Intro Offer
$600 value
U.S. Bank
U.S. Bank Cash+ Visa Signature
Best for: People with high utility or cell phone bills
$0
1%–5%
cashback
$200 value
Annual Fee
$0
Rewards
1%–5%
Intro Offer
$200 value
American Express
Hilton Honors American Express Surpass Card
Best for: Regular Hilton guests who value Gold status perks
$150
3x–12x
points
$650 value
Annual Fee
$150
Rewards
3x–12x
Intro Offer
$650 value
Chase
IHG One Rewards Premier Credit Card
Best for: IHG hotel loyalists who stay a few times per year
$99
3x–26x
points
$700 value
Annual Fee
$99
Rewards
3x–26x
Intro Offer
$700 value
American Express
Delta SkyMiles Platinum American Express Card
Best for: Frequent Delta flyers who travel with a companion
$350
1x–3x
miles
$900 value
Annual Fee
$350
Rewards
1x–3x
Intro Offer
$900 value
Chase
United Quest Card
Best for: United flyers who book award flights and check bags
$250
1x–3x
miles
$600 value
Annual Fee
$250
Rewards
1x–3x
Intro Offer
$600 value
Chase
Southwest Rapid Rewards Priority Credit Card
Best for: Frequent Southwest flyers pursuing the Companion Pass
$149
1x–3x
points
$700 value
Annual Fee
$149
Rewards
1x–3x
Intro Offer
$700 value
Chase
Amazon Prime Visa
Best for: Amazon Prime members who shop frequently on Amazon
$0
1%–5%
cashback
$200 value
Annual Fee
$0
Rewards
1%–5%
Intro Offer
$200 value
Capital One
Capital One Venture Rewards Credit Card
Best for: Travelers who want simple, flexible miles earning
$95
2x–5x
miles
$750 value
Annual Fee
$95
Rewards
2x–5x
Intro Offer
$750 value
Brex
Brex Card
Best for: Funded startups and tech companies
$0
1x–8x
points
$1,100 value
Annual Fee
$0
Rewards
1x–8x
Intro Offer
$1,100 value
American Express
American Express Blue Business Cash Card
Best for: Business owners who prefer straightforward cash back
$0
1%–2%
cashback
$250 value
Annual Fee
$0
Rewards
1%–2%
Intro Offer
$250 value
Chase
Ink Business Premier Credit Card
Best for: Businesses with high per-transaction spending
$195
2%–2.5%
cashback
$1,000 value
Annual Fee
$195
Rewards
2%–2.5%
Intro Offer
$1,000 value
Capital One
Capital One Spark Cash Plus
Best for: High-spending businesses that want maximum flat-rate cashback
$150
2%
cashback
$1,200 value
Annual Fee
$150
Rewards
2%
Intro Offer
$1,200 value
Capital One
Capital One Quicksilver
Best for: Those who prefer simplicity over maximizing categories
$0
1.5%
cashback
$200 value
Annual Fee
$0
Rewards
1.5%
Intro Offer
$200 value
HSBC
HSBC Premier World Elite Mastercard
Best for: International travelers with HSBC accounts
$95
Waived 1st yr
1x–3x
points
$500 value
Annual Fee
$95
Rewards
1x–3x
Intro Offer
$500 value
Barclays
Barclays Arrival Premier
Best for: Simple travel rewards without tracking categories
$150
Waived 1st yr
2x
miles
$750 value
Annual Fee
$150
Rewards
2x
Intro Offer
$750 value
Bank of America
Bank of America Customized Cash Rewards
Best for: Bank of America customers who want category flexibility
$0
1%–3%
cashback
$200 value
Annual Fee
$0
Rewards
1%–3%
Intro Offer
$200 value
Capital One
Capital One Spark Miles for Business
Best for: Business travelers wanting simple flat miles
$95
Waived 1st yr
2x–5x
miles
$500 value
Annual Fee
$95
Rewards
2x–5x
Intro Offer
$500 value
Bank of America
Bank of America Business Advantage Cash Rewards
Best for: Small businesses banking with Bank of America
$0
1%–3%
cashback
$300 value
Annual Fee
$0
Rewards
1%–3%
Intro Offer
$300 value
Bank of America
BankAmericard Credit Card
Best for: Consolidating debt while making new purchases
$0
None
cashback
0% APR / 21 mo
Annual Fee
$0
Rewards
None
Intro Offer
0% APR / 21 mo
Chase
Chase Slate Edge
Best for: Building better credit habits while paying off debt
$0
None
cashback
$100 value
Annual Fee
$0
Rewards
None
Intro Offer
$100 value
American Express
Delta SkyMiles Gold American Express
Best for: Frequent Delta Air Lines flyers
$150
Waived 1st yr
1x–2x
miles
$700 value
Annual Fee
$150
Rewards
1x–2x
Intro Offer
$700 value
Chase
Marriott Bonvoy Boundless
Best for: Regular Marriott hotel guests
$95
2x–6x
points
$450 value
Annual Fee
$95
Rewards
2x–6x
Intro Offer
$450 value
Chase
Southwest Rapid Rewards Plus
Best for: Budget Southwest Airlines frequent flyers
$69
1x–2x
points
$500 value
Annual Fee
$69
Rewards
1x–2x
Intro Offer
$500 value
Bank of America
Bank of America Unlimited Cash Rewards
Best for: Bank of America customers who want simple, enhanced cashback
$0
1.5%
cashback
$200 value
Annual Fee
$0
Rewards
1.5%
Intro Offer
$200 value
Barclays
AAdvantage Aviator Red World Elite Mastercard
Best for: American Airlines loyalists who want easy miles and bag savings
$99
1x–2x
miles
$600 value
Annual Fee
$99
Rewards
1x–2x
Intro Offer
$600 value
American Express
Hilton Honors American Express Card
Best for: Occasional Hilton guests who want no-fee hotel rewards
$0
3x–7x
points
$400 value
Annual Fee
$0
Rewards
3x–7x
Intro Offer
$400 value
American Express
American Express Green Card
Best for: Urban commuters who use transit and eat out frequently
$150
1x–3x
points
$400 value
Annual Fee
$150
Rewards
1x–3x
Intro Offer
$400 value
Synchrony
PayPal Cashback Mastercard
Best for: People who want simple 2% back everywhere with PayPal perks
$0
2%–3%
cashback
N/A
Annual Fee
$0
Rewards
2%–3%
Intro Offer
N/A
HSBC
HSBC Premier World Mastercard
Best for: HSBC Premier banking customers who travel internationally
$0
1x–3x
points
$500 value
Annual Fee
$0
Rewards
1x–3x
Intro Offer
$500 value
Ramp
Ramp Corporate Card
Best for: Growing companies that want expense management + cashback
$0
1.5%
cashback
N/A
Annual Fee
$0
Rewards
1.5%
Intro Offer
N/A
Bank of America
Business Advantage Unlimited Cash Rewards
Best for: Bank of America business customers who want simple cashback
$0
1.5%
cashback
$300 value
Annual Fee
$0
Rewards
1.5%
Intro Offer
$300 value
Citi
Citi AAdvantage Platinum Select World Elite Mastercard
Best for: American Airlines flyers who want a free first year
$99
Waived 1st yr
1x–2x
miles
$500 value
Annual Fee
$99
Rewards
1x–2x
Intro Offer
$500 value
Barclays
JetBlue Plus Card
Best for: Frequent JetBlue flyers
$99
1x–6x
points
$600 value
Annual Fee
$99
Rewards
1x–6x
Intro Offer
$600 value
Chase
Marriott Bonvoy Bold Credit Card
Best for: Occasional Marriott guests who want a no-fee hotel card
$0
1x–14x
points
$420 value
Annual Fee
$0
Rewards
1x–14x
Intro Offer
$420 value
Barclays
Wyndham Rewards Earner Plus Card
Best for: Budget travelers and Las Vegas visitors
$75
1x–6x
points
$540 value
Annual Fee
$75
Rewards
1x–6x
Intro Offer
$540 value
USAA
USAA Cashback Rewards Plus
Best for: Active-duty military and veterans who shop on base
$0
1%–5%
cashback
$200 value
Annual Fee
$0
Rewards
1%–5%
Intro Offer
$200 value
PenFed Credit Union
PenFed Gold Visa Card
Best for: People transferring a balance who want zero fees
$0
None
cashback
0% APR / 12 mo
Annual Fee
$0
Rewards
None
Intro Offer
0% APR / 12 mo
Synchrony
Venmo Credit Card
Best for: Venmo users who want automatic category optimization
$0
1%–3%
cashback
N/A
Annual Fee
$0
Rewards
1%–3%
Intro Offer
N/A
SoFi
SoFi Credit Card
Best for: SoFi members who want 2% everywhere with crypto redemption
$0
2%
cashback
N/A
Annual Fee
$0
Rewards
2%
Intro Offer
N/A
Gemini
Gemini Credit Card
Best for: People who want a real credit card that earns crypto
$0
1%–3%
mixed
$100 value
Annual Fee
$0
Rewards
1%–3%
Intro Offer
$100 value
Approval odds by issuer at 700-719
| Issuer | Approval odds |
|---|---|
| Chase | Strong |
| American Express | Strong |
| Capital One | Strong |
| Citi | Strong |
| Discover | Strong |
Odds reflect typical approval patterns at this score band — individual approvals also depend on income, utilization, and recent application history.
Card types to target at this score
Strategy for a 700 credit score profile
- 1If you've never had a travel card, start with Chase Sapphire Preferred or Capital One Venture — both approve at 700 routinely.
- 2For rotating cash back, Discover it or Chase Freedom Flex — both approvable at 700 with 5% categories.
- 3Keep utilization under 10% and you'll likely cross 720 within 3-6 months.
- 4If you're close to Chase 5/24, apply for any Chase card you want before adding non-Chase cards.
What to avoid at 700-719
- ✕Don't chase ultra-premium cards ($500+ fee) — rejection is common at exactly 700.
- ✕Avoid cards with confusing reward structures — a flat 2% may earn you more than a complex 5% card you don't optimize.
- ✕Don't carry a balance on a new card — the interest erases any rewards you earn.
Compare top cards for 700 credit score
Comparing the best cards
| Credit Card | Best For | Annual Fee | Rewards | Intro Offer | Rating |
|---|---|---|---|---|---|
| Capital One Venture X Rewards Capital One | Premium travelers seeking maximum value | $395 | 2x–10x | $750 value | 4.8 |
| Chase Ink Business Preferred Chase | Growing businesses with travel and advertising expenses | $95 | 1x–3x | $1,125 value | 4.7 |
| Chase Sapphire Preferred Chase | Frequent travelers who dine out often | $95 | 1x–5x | $750 value | 4.7 |
| Chase Sapphire Reserve Chase | Frequent luxury travelers | $550 | 1x–10x | $900 value | 4.5 |
| American Express Gold Card American Express | Foodies and grocery shoppers | $250 | 1x–4x | $600 value | 4.6 |
| Chase Ink Business Cash Chase | Small businesses with high office supply & telecom spend | $0 | 1%–5% | $750 value | 4.6 |
| World of Hyatt Credit Card Chase | Hyatt loyalists who value premium hotel stays | $95 | 1x–4x | $600 value | 4.5 |
| Bilt Mastercard Wells Fargo | Renters wanting to turn monthly rent into travel rewards | $0 | 1x–3x | — | 4.6 |
| Chase Freedom Flex Chase | Savvy cashback maximizers, especially Chase ecosystem users | $0 | 1%–5% | $200 value | 4.7 |
| Citi Strata Premier Card Citi | Travelers who want high hotel multipliers and flexible transfer partners | $95 | 1x–10x | $750 value | 4.4 |
Frequently asked questions
Is 700 a good credit score?⌄
Yes — 700 is in the upper half of the 'good' range (670-749). You qualify for the majority of rewards cards and competitive auto/mortgage rates, though elite premium cards often want 720+.
Can I get a Chase Sapphire Preferred with a 700 score?⌄
Yes. Chase Sapphire Preferred has a typical approval threshold around 680-700, plus Chase's 5/24 rule (must have fewer than 5 new cards in 24 months).
Can I get a Chase Sapphire Reserve with 700?⌄
It's possible but borderline. Approvals pick up sharply at 720+ and are routine at 740+. At exactly 700 with strong income, it can approve; conservative applicants should wait until 720 to save the hard pull.
What's the fastest way to get from 700 to 720?⌄
Pay down revolving balances below 10% of each card's limit before the statement closes. This single move often lifts a 700 score to 720-730 within one reporting cycle.
Should I get a new card or focus on paying down debt first?⌄
If your utilization is above 30%, paying down debt will boost your score faster than a new card. Below 10%, adding a card with a high limit can further lower aggregate utilization and raise your score.