What Credit Cards Can You Get with a 700 Credit Score? Find Out!

Best Credit Cards for a 700 Credit Score

When it comes to managing finances and making the most of your credit score, having a solid understanding of your options can feel overwhelming. If you’re hovering around the 700 mark, you’re in an excellent position! This score opens doors to fantastic credit card opportunities that offer great rewards, low interest rates, and various perks tailored just for you. In 2023, the average FICO® Score in the U.S. was 715.

In this guide, you’ll discover eight standout credit cards perfectly suited for those with a 700 credit score, including the Chase Sapphire Preferred. We’ll break down each option’s benefits—such as cash back offers, travel rewards, or introductory bonuses—helping you navigate which could be the best fit for your lifestyle and financial goals. Whether you’re looking to earn points on everyday purchases or keep interest payments at bay during emergencies, we’ve got you covered.

Get ready to make informed choices that could enhance your financial journey!

Chase Freedom Unlimited®

Unlimited 1.5% cash back on every purchase, no annual fee.

The Chase Freedom Unlimited® card stands out for its straightforward cash back rewards, making it an ideal option for those looking to maximize everyday spending. With unlimited 1.5% cash back on all purchases, you’re rewarded every time you swipe your card—whether at the grocery store, gas station, or online shopping sites. This consistent earning rate simplifies budgeting without requiring you to track rotating categories.

In addition to its attractive cash back structure, the card has no annual fee, adding to its appeal as a budget-friendly choice. Plus, new cardholders can often earn a sign-up bonus after meeting a minimum spending requirement within the first few months—an extra perk that makes this card even more rewarding.

Discover it® Cash Back

Rotating 5% cash back categories and a first-year cash back match.

The Discover it® Cash Back card truly shines with its unique rewards structure, making it an excellent choice for those looking to maximize cash back earnings. Each quarter, this card offers 5% cash back on purchases up to a specified limit (currently $1,500) in rotating categories such as:

• Grocery stores
• Restaurants
• Select streaming services
• Amazon.com purchases

You must activate the bonus category each quarter to start earning the higher rate. One of the best perks is that Discover will match all the cash back you earn in your first year as a cardholder. This means if you earn $300 in cash back over 12 months, Discover will add another $300—bringing your total earnings to $600! This significantly enhances the value of using this card for everyday expenses.

Citi® Double Cash Card

Earn 2% cash back—1% when you buy and another 1% when you pay off your balance.

The Citi® Double Cash Card is an excellent choice for those seeking simplicity in their rewards program. Cardholders earn a total of 2% cash back on every purchase—1% when making the purchase and another 1% when paying off the balance. This dual cash back feature makes it easy to maximize rewards without worrying about rotating categories or spending limits.

• No annual fee – Enjoy all these benefits without any yearly charges.
• Flexible payment options – Redeem your cash back on your terms.
• Introductory offer – Check for limited-time promotions that may boost your initial earnings, including various payment due dates to suit your needs.

This card is perfect for individuals who prefer a hassle-free way to earn rewards while managing their finances effectively.

Capital One QuicksilverOne Cash Rewards Credit Card

Great for building credit with unlimited 1.5% cash back and no foreign transaction fees.

The Capital One QuicksilverOne Cash Rewards Credit Card is an excellent option for individuals aiming to improve their credit while enjoying various perks. With a fair credit requirement, this card opens doors for those in the early stages of building or restoring their credit profile.

• Unlimited 1.5% cash back – Earn rewards on every purchase with no categories to track, for the life of the account.
• No foreign transaction fees – Ideal for travelers making purchases abroad.
• Access to credit monitoring tools – Stay informed about your credit score and financial progress.

This combination of features makes it a user-friendly and practical choice for those looking to establish responsible financial habits.

Wells Fargo Active Cash® Card

Flat-rate 2% cash rewards on all purchases, no annual fee.

The Wells Fargo Active Cash® Card is perfect for those who want straightforward rewards without complicated earning structures. This card offers a flat-rate 2% cash back on all purchases, making it easy to accumulate rewards without tracking rotating categories or spending limits.

• No annual fee – Keep more of what you earn.
• Welcome offer – Earn a bonus when meeting specific spending requirements within the first three months.
• No foreign transaction fees – A great choice for international travelers.

American Express Blue Cash Everyday® Card

Up to 3% cash back at U.S. supermarkets (up to $6,000 annually), no annual fee.

The American Express Blue Cash Everyday® Card is an excellent option for frequent grocery shoppers. It offers 3% cash back at U.S. supermarkets (up to $6,000 in annual purchases, then 1%), making it a great choice for families or individuals who buy groceries regularly. Additional benefits include:

• 2% cash back at U.S. gas stations and select department stores.
• 1% cash back on all other eligible purchases.
• Sign-up bonus – New cardholders can qualify for a welcome bonus offer within the first 6 months of account opening.

With no annual fee, this card maximizes rewards without extra costs.

Bank of America® Customized Cash Rewards Credit Card

Choose your own 3% cash back category, plus 2% at grocery stores and wholesale clubs.

This flexible rewards card allows you to choose your preferred category for earning 3% cash back, including:

• Gas stations
• Online shopping
• Dining
• Travel
• Drug stores

You’ll also earn 2% cash back at grocery stores and wholesale clubs (on up to $2,500 in combined purchases per quarter) and 1% on everything else. If you consistently spend in a particular category, this card can help you maximize your cash back earnings.

USAA Rate Advantage Visa® Platinum Card

Low-interest rates make it ideal for balance transfers.

If you qualify through military affiliation or family ties, the USAA Rate Advantage Visa® Platinum Card is an excellent option for managing debt. With low ongoing interest rates, this card can help reduce the burden of high-interest balances.

• Competitive interest rates – Ideal for balance transfers.
• No annual fee – Keep costs low.
• Mobile banking tools – Track spending and manage payments easily.

This card is a strong choice for service members and their families seeking affordable financial management.

What You Should Know Before Applying for a Credit Card

When considering applying for a credit card, it’s essential to understand the factors that can influence your approval and the terms you’ll receive. A credit score of 700 is generally regarded as a good credit score, but lenders also evaluate other aspects such as income, debt-to-income ratio, and recent credit inquiries. Ensuring your financial situation aligns with the credit card’s requirements can significantly enhance your chances of approval.

Additionally, take the time to read the fine print associated with any credit card offer for individuals with bad credit. Understanding terms like interest rates, fees, and rewards structures can help you make a well-informed decision. Some cards may offer enticing rewards but come with high-interest rates or hidden fees that can negate the benefits. Therefore, carefully analyzing the card’s features before applying is crucial to making the most of your credit opportunities.

Final Thoughts

A 700 credit score gives you access to many great credit card options, each catering to different financial goals. Whether you’re looking for cash back, travel rewards, or a low-interest rate, choosing the right card can help you build credit, save money, and maximize rewards. Consider your spending habits and financial needs before selecting the best fit for your lifestyle.

Analyzing Credit Card Offers: What to Look For

When you’re evaluating credit card offers, it’s important to consider factors that align with your financial goals. Look for the annual fee, interest rates, and the rewards program offered. An appealing rewards structure can significantly enhance your overall value, but it should not come at the expense of high fees or interest rates that could lead to debt.

Also, pay attention to any promotional offers, such as introductory interest rates or sign-up bonuses, that could provide additional benefits in the short term. These perks can add substantial value, especially if you plan to make significant purchases shortly after obtaining the card. By carefully weighing these elements, you can select a credit card that not only fits your lifestyle but also enhances your financial health.

COMPARING CREDIT CARD FEATURES

When comparing credit cards, it’s vital to analyze several key features to find the best option for your needs. Below is a summary of essential features to consider:

Understanding these features will help guide your decision-making process. Prioritize what matters most to you—whether it’s low fees, favorable interest rates, or robust rewards programs—to ensure you choose a card that fits your financial lifestyle.

Annual fee

The annual fee is a critical consideration when selecting a credit card. While some cards charge an annual fee, many, especially those for individuals with a 700 credit score, do not. A card without an annual fee can be beneficial, allowing you to maximize your rewards, including redeemable gift cards, without incurring additional costs. However, if a card with an annual fee offers significant rewards or perks that align with your spending habits, it may still provide good value. Always weigh the benefits against the cost to determine if the annual fee is justified.

Other fees

Other fees associated with credit cards can vary widely and significantly impact your financial experience. These may include balance transfer fees, foreign transaction fees, and late payment fees. Understanding these balance transfer fees and costs is essential to avoid unexpected charges that could undermine the benefits of your card. For instance, if you travel frequently, a card without foreign transaction fees can save you money. Always review the fee structure before committing to a card.

Introductory interest rate

Introductory interest rates, such as those offered by some apr credit cards, are often used by credit card companies to attract new customers. These low rates can be particularly advantageous if you plan to make large purchases or transfer existing balances. However, it’s crucial to understand how long the introductory rate lasts and what the ongoing rate will be afterward. If you can pay off your balance during the introductory period, you can save significantly on interest payments.

Ongoing interest rate

The ongoing interest rate is the rate that applies to your balance once any introductory period has ended. This rate can vary based on your creditworthiness and the card issuer’s terms. For those who plan to carry a balance, a lower ongoing interest rate is crucial to minimize interest costs. Always compare the ongoing rates of different cards to ensure you’re making a financially sound choice.

Rewards

The Capital One QuicksilverOne Cash Rewards Credit Card is designed to provide straightforward rewards for those looking to enhance their credit profile. With unlimited 1.5% cash back on all purchases, this card enables users to earn rewards effortlessly, regardless of spending categories. Additionally, the card offers credit-building help, making it a great choice for those aiming to improve their credit score.

By maintaining low credit utilization and making timely payments, cardholders can see a positive impact on their credit limit over time. Capital One also provides tools to monitor your credit, allowing you to track improvements as you responsibly manage your account through their mobile app. This combination of features makes the QuicksilverOne a valuable asset for anyone looking to build credit while earning rewards.

Sign-up bonus

Many credit cards offer enticing sign-up bonuses to attract new customers. For the Capital One QuicksilverOne Cash Rewards Credit Card, new cardholders can often earn a sign-up bonus after meeting a specified spending requirement within the first few months. This bonus can significantly enhance the overall value of the card, especially for those who plan to make larger purchases shortly after opening the account, as well as potential statement credit opportunities. Always check for current promotions to maximize your rewards potential.

Perks

Beyond cash back rewards, credit cards like the Capital One QuicksilverOne offer additional perks that enhance the cardholder’s experience, allowing you to take advantage of the best prices available. This may include access to credit monitoring services, fraud protection, and no foreign transaction fees. These benefits can provide added value, making the card not only a means to earn rewards but also a tool for keeping your finances secure and manageable.

Credit-building help

For individuals looking to improve their credit score, the Capital One QuicksilverOne Cash Rewards Credit Card offers valuable credit-building help. As users make purchases and pay off their balances responsibly, they can establish a positive credit history. This card reports to all three major credit bureaus, ensuring that your responsible credit behavior is reflected in your credit score. Over time, this can lead to better credit opportunities and higher credit limits.

The Benefits and Drawbacks of No-Annual-Fee Credit Cards

No-annual-fee credit cards offer cost savings and can be great for beginners. They help build credit without extra expenses. However, these cards may have a higher interest rate and fewer rewards compared to annual fee cards. Carefully weigh the benefits and costs based on your spending habits and financial goals. Be mindful of any hidden fees to make an informed decision that suits your needs.

When Are Annual Fees Worth It?

The Chase Freedom Unlimited® credit card is a top choice for a 700 credit score when looking for back credit cards. With no annual fee, it offers a generous cashback program. Discover it® Cash Back is another great option, providing rotating bonus categories. Citi® Double Cash Card stands out for its unique cashback structure, rewarding both purchases and payments. Capital One QuicksilverOne Cash Rewards Credit Card is ideal for those looking to build credit with cashback rewards. Wells Fargo Active Cash® Card offers simplicity with unlimited cash rewards. American Express Blue Cash Everyday® Card is known for its excellent rewards program. Bank of America® Customized Cash Rewards Credit Card is versatile with customizable rewards.

How to Choose the Right Credit Card for Your 700 Credit Score

Understanding how to select the ideal credit card for your 700 credit score is crucial. Analyze cards with rewards matching your spending habits. Consider annual fees, APRs, and credit limits. Look for cards offering benefits like cashback or travel rewards. Assess if the card helps improve your credit history and if it fits your financial goals. Compare introductory offers and ongoing rates. Factor in perks such as balance transfer options or sign-up bonuses tailored to your needs.

Why Consider Downgrading to a No-Annual-Fee Credit Card

The Chase Freedom Unlimited® credit card is a top choice for a 700 credit score. With no annual fee and a generous cashback program, it offers flexibility and rewards, including an introductory APR for new users. Discover it® Cash Back and Citi® Double Cash Card are also great options, each providing unique benefits. These cards cater to varying preferences, from cash rewards to balance transfers. When considering the best credit cards for a 700 credit score, these options offer competitive advantages worth exploring.

Reviewed and edited by Albert Fang.

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Article Title: What Credit Cards Can You Get with a 700 Credit Score? Find Out!

https://fangwallet.com/2025/02/07/what-credit-cards-can-you-get-with-a-700-credit-score-find-out/

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