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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
Best for dining & groceries
Cardholder rating
4.4
Bankrate score
5.0
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Apply now
on Capital One‘s secure site
See Rates & Fees
19.24% – 29.24% (Variable)
Best for travelers
Cardholder rating
4.1
Bankrate score
4.9
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Apply now
on Capital One‘s secure site
See Rates & Fees
Earn 75,000 miles + $250 Capital One Travel credit
19.99% – 29.24% (Variable)
Best for household spending
Cardholder rating
4.3
Bankrate score
4.6
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on American Express‘s secure site
See Rates & Fees, Terms Apply
Best for custom bonus categories
Bankrate score
4.4
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Bankrate review
18.24% – 28.24% (Variable)
19.24%, 24.24%, or 29.24% Variable APR
Best for potentially low interest
Cardholder rating
4.1
Bankrate score
4.2
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Apply now
on Upgrade‘s secure site
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Comparing the best cards for 700 credit scores
| Card name | Annual fee | Rewards highlights | Recommended credit score |
|---|---|---|---|
| Capital One Savor Cash Rewards Credit Card | $0 (See rates and Fees) |
|
670 – 850 |
| Capital One Venture Rewards Credit Card |
$95 (See rates and Fees) |
|
670 – 850 |
| Blue Cash Everyday® Card from American Express | $0 |
|
Good to Excellent |
| Citi Custom Cash® Card* | $0 |
|
670 – 850 |
| Wells Fargo Active Cash® Card |
$0 |
|
670 – 850 |
| Upgrade Cash Rewards Visa® | $0 |
|
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:
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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.
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Pay on time: Pay your card balance on time and in full whenever possible to avoid interest charges and establish a strong payment history.
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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.
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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.
What’s next?
The bottom line
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
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