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FICO credit scores, the industry standard for determining credit risk, range from 300 to 850 — with 670 to 739 considered a good score, 740 to 799 is very good and 800 to 850 is exceptional. A 700 score puts you in the middle of the good range but still slightly below the average credit score of 716.
With an average credit score, expect to pay around the average credit card interest rate. However, you might qualify for an APR that’s higher or lower based on your creditworthiness. Credit card APRs vary, so research your options before deciding.
To help you find the right card for a 700 credit score, we’ve compiled several options that applicants with a score of 700 may qualify for. Options vary from those with generous rewards rates to low ongoing APRs, and several are on the list of the best credit cards for good credit.
Top credit cards for a 700 credit score
Limited time offer
Earn $200 cash back + $100 Capital One Travel credit
8%Earn 8% cash back on Capital One Entertainment purchases
5%Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
3%Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
1%Earn 1% cash back on all other purchases
Bankrate’s view
This card’s solid mix of boosted rewards for travel, entertainment, grocery and dining purchases makes it an excellent choice for the person who wants one card for all purchases. Its one shortcoming is that it doesn’t include gas or superstores in its bonus categories.
Pros
This card’s intro APR offers on purchases and balance transfers can help reduce and avoid interest charges.
It has an accessible welcome offer and one of the lowest spending requirements available.
Cons
This card lacks perks available on many other cards, notably those found on Visa Signature cards.
Popular superstores like Walmart and Target don’t count for the groceries category.
Card Details
LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases and balance transfers for 12 months; 19.24% – 29.24% variable APR after that; balance transfer fee applies
5X milesEarn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
2X milesEarn unlimited 2X miles on every purchase, every day
Bankrate’s view
Despite its $95 annual fee, this card is a great addition to any traveler’s wallet. It earns a generous flat rate on all purchases with a boosted rewards rate for eligible Capital One Travel purchases. Its high rewards rate on everyday purchases makes it a great card for building a miles balance. There’s also a handful of generous perks for traveling that can help you squeeze more value out of this card.
Pros
Its high welcome offer can jumpstart your miles’ balance if you meet the spending requirement.
It has benefits that can make your airport experience easier, like an up to $120 credit for Global Entry of TSA PreCheck.
Cons
Everyday spenders may struggle to offset this card’s $95 annual fee with rewards earnings.
It doesn’t have much bonus category variety compared to other travel rewards cards.
Card Details
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
Miles won’t expire for the life of the account and there’s no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
Apply with confidence
Hover to learn more.
By applying, you can see if you're approved before impacting your credit
3%Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%).
1%Earn 1% cash back on all other eligible purchases.
Bankrate’s view
Pros
Intro APR offers for purchases and balance transfers can help avoid accruing interest charges.
This card charges no annual fee, so you won’t have to spend more than you’re comfortable with to offset the cost of holding the card.
Cons
It charges foreign transaction fees, making it a poor choice for international travel.
Its top cash back rates are capped at $6,000 per year in spending, then it only earns 1 percent.
Card Details
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
5%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.
4%Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
1%Earn unlimited 1% cash back on all other purchases.
Bankrate’s view
This card is the best card you’ll find for pairing with your other rewards or cash back cards. You’ll earn the highest rewards rate for purchases in your top eligible spending category, giving you the flexibility to choose how to use the card so you can maximize your rewards. It can be your gas credit card, grocery credit card, streaming services credit card, or card you use for any of Citi’s 10 eligible categories.
Pros
This card offers one of the highest cash back rates in several categories for no annual fee.
Its intro APR offers on purchases and balance transfers can help you reduce current card debt or temporarily avoid interest charges on new purchases.
Cons
There’s a high spending requirement for a fairly low reward with this card’s welcome offer.
You’ll only earn generous cash back in one category per billing cycle and it’s capped at $500.
If you don’t care to deal with tiered rewards or rotating categories, this card can help you maximize rewards no matter where you use it. Although flat-rate cash rewards limit the amount of rewards you can earn compared to the generously boosted rates in everyday categories, it increases your bottom line on all other purchases which would earn only 1 percent back with other cards.
Pros
The card has no spending caps, so you can maximize your earning potential.
Your redemption options are flexible, including redeeming for direct deposit to your checking account.
Cons
This card charges a foreign transaction fee, so it’s not the best travel companion.
It lacks perks for streaming services, rideshare credits and other benefits competing cards routinely offer.
Card Details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
This card is a great option to consider for people who are wary of credit cards and accruing interest but don’t want to miss out on cash back rewards and welcome offers. It also encourages people to continue developing responsible credit habits by offering rewards every time they make a payment.
Pros
This card’s low credit score requirement may give people with a 700 credit score a good chance at its lowest APR.
The card skips the annual fee so you can focus on building responsible habits and earning rewards.
Cons
Its cash back rate is lower than the rates available on other cash back cards.
This card lacks an introductory APR for purchases and balance transfers, so it’s not an ideal debt-management tool.
Card Details
$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
1.5% unlimited cash back on every purchase
No annual fee
See if you qualify in seconds with no impact to your credit score
Combine the flexibility of a card with the predictability of a personal loan
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
Contactless payments with Apple Pay® and Google Wallet™
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
State Exclusions: DC, GA, IA, MA, WV, WI
Welcome Bonus: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.
Welcome Bonus (continued): Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
8% cash back on Capital One Entertainment purchases
5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Unlimited 3% cash back on dining, entertainment, popular streaming subscriptions and grocery store purchases (excluding superstores like Walmart and Target)
Earn 1.5% unlimited cash back on card purchases every time you make a payment
670 – 850
How to choose a card for a 700 credit score
When choosing a credit card with a 700 credit score, consider how that card will help you meet your financial goals. Aim to continue expanding your creditworthiness and raising your score, and don’t settle for a credit card that won’t be helpful in a few months or years.
Here are some tips for choosing a card to keep your credit score on the rise while you make the most of the work you’ve put in so far.
Look for savings through intro APR offers
Choose a card with an APR you find manageable or one with a 0 percent intro APR offer for purchases, balance transfers or both. These offers can help you temporarily balance what you owe or plan to spend without racking up high interest charges.
Match your card to your spending habits
Having a 700 credit score opens the door to some solid rewards and cash back cards. Though it might seem wise to jump at the first card you see with a boosted rewards rate, you’re better off calculating your regular annual spending and then matching your highest projected categories to a card with boosted rewards rates in those categories.
Time your application with your biggest purchases
If you have some large purchases coming up or know a few times throughout the year when you’ll increase your spending, you may want to consider timing your credit card application to align with those purchases. This planning can help you meet sign-up bonus spending requirements and you could take advantage of 0 percent APR offers.
Bankrate insight
Good credit is important. With higher credit scores come lower interest rates, fees and better approval odds. It’s crucial to work toward a better credit score to reap the benefits of your efforts and to get access to better financial products.
How to get an excellent credit score
Getting to an excellent credit score will take time and patience. But you can build your credit toward the excellent tier with these tips:
Keep credit utilization low: Your credit utilization ratio is the amount of credit you use against the total amount available to you. Keep your utilization below 30 percent to maintain and increase your credit score.
Pay on time: Pay your card balance on time and in full whenever possible to avoid interest charges and establish a strong payment history.
Keep old credit cards open: You might think closing old credit cards will help you stay organized, but it won’t do your credit score any favors. Keep old cards open so you increase the age of your credit history, a key scoring factor.
Don’t settle: Once you see your score climbing and you’re close to excellent, don’t settle. You can get your score even higher if you maintain positive credit habits.
Whether a credit score of 700 is your goal or you’re aiming even higher, keep practicing good credit habits. Although several cards are available with a score of around 700, even better cards are available the higher your score. Stay patient, keep consistent habits and you’ll be well on your way to an excellent score soon enough.
Frequently asked questions about 700 credit scores
Yes, you can likely get a credit card with a 700 credit score. Most rewards cards have recommended credit score ranges of 670–850, which is good to excellent scores.
Credit card issuers consider other factors besides credit score when determining your creditworthiness. Your debt-to-income ratio, employment, rent or mortgage payment and income all contribute to your chances of approval when getting a credit card.
A 700 credit score is pretty common. The average American credit score was 715 in 2024, according to Experian’s latest Consumer Credit Review, and 21.6 percent of consumers have credit scores between 670 and 739.
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APA:
Dyer, B. (2025, April 07). Best cards for 700 credit score. Bankrate. Retrieved September 15, 2025, from https://venture-ascend.live/credit-cards/rewards/700-credit-score-credit-cards/
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Dyer, Brendan. "Best cards for 700 credit score." Bankrate. 07 April 2025, https://venture-ascend.live/credit-cards/rewards/700-credit-score-credit-cards/.
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Dyer, Brendan. "Best cards for 700 credit score." Bankrate. April 07, 2025. https://venture-ascend.live/credit-cards/rewards/700-credit-score-credit-cards/.
