5 Best Credit Cards For a 700 Credit Score (June 2026)

A 700 credit score (or higher) puts you in a great place to get some of the best loans and credit card offers. There are several credit cards for a 700 credit score whether you’re looking for travel rewards, cash back, or other discounts and perks. 

A higher credit score can help you get the lowest possible interest rate. As a result, you get to maximize your rewards without added fees or high APRs. Here are some of the best credit cards for a 700 score, including the best cards for businesses, travel, and cash back.

The Citi Double Cash® Card is the best Mastercard to use for everyday spending if you’re looking to rack up rewards effortlessly.

1

Citi Double Cash® Card

CardRates Expert Rating

Citi Double Cash® Card

4.8/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

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Ashley Fricker Senior Editor

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★★★★★ 4.8/5.0

at Citi’ssecure website

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• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% – 27.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

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Intro (Purchases) N/A

Intro (Transfers) 0% 18 months on Balance Transfers

Regular APR 17.49% – 27.49% (Variable)

Annual Fee $0

Credit Needed Excellent/Good

See Rates & Fees »

Why We Chose This Card 

We chose this card because you will earn a flat-rate of cash back for every purchase, regardless of what you buy. There are no spending categories to keep up with so you’re not pressured to spend in certain categories that you wouldn’t naturally use. The Citi Double Cash® Card also encourages cardholders to pay off their credit card bill since you earn additional cash back when you pay off your purchase. 

This card is also a great balance transfer card if you want to enjoy an extended 0% APR while you pay off your credit card balances. From there, you can continue to use it for everyday spending to earn cash back since there is no annual fee and no caps on the amount of cash back you can earn.

Honorable Mention 

The Citi Custom Cash® Card is another option if you’re looking to earn a higher cash back rate by spending in select categories without paying an annual fee.

The Chase Freedom Unlimited® is the best option if you’re looking to maximize your cash back earnings.

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Chase Freedom Unlimited®

CardRates Expert Rating

Chase Freedom Unlimited®

4.8/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

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Ashley Fricker Senior Editor

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★★★★★ 4.8/5.0

Our Review »

• Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% – 28.49%.
• No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

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Intro (Purchases) 0% Intro APR on Purchases 15 months

Intro (Transfers) 0% Intro APR on Balance Transfers 15 months

Regular APR 18.99% – 28.49% Variable

Annual Fee $0

Credit Needed Good/Excellent

Why We Chose This Card 

The Chase Freedom Unlimited® gives you unlimited cash back at a fixed rate per dollar on all your purchases. You can earn a higher cash back rate for spending in specific categories such as restaurants and travel. 

Cashback rewards never expire, and there’s no annual fee, making it easy to keep this card over the long haul. Plus, new cardholders can take advantage of a signup bonus to boost their cash back rewards in the initial months. 

Honorable Mention

The Blue Cash Preferred® Card by American Express is another cash back credit card to consider if you have a 700 credit score or higher. You earn a fixed rate of cash back on all your purchases and higher cash back amounts for spending in categories like streaming services, gas, and transit.

The Chase Sapphire Preferred® Card is the best card for travel benefits because it offers several ways to maximize your points, an annual hotel credit, and top-notch travel insurance, among other benefits.

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Chase Sapphire Preferred® Card

CardRates Expert Rating

Chase Sapphire Preferred® Card

4.9/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

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Ashley Fricker Senior Editor

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★★★★★ 4.9/5.0

Our Review »

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

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Intro (Purchases) N/A

Intro (Transfers) N/A

Regular APR 19.99% – 28.24% Variable

Annual Fee $95

Credit Needed Good/Excellent

Why We Chose This Card

We chose the Chase Sapphire Preferred® Card for its breadth of travel benefits. If you’re interested in travel hacking or simply scoring a free flight or discounted hotel stay, this card offers a generous signup bonus. 

Using the Chase Sapphire Preferred® Card also gives you access to the Chase platform, where you can redeem your points for travel and combine rewards with other Chase cards. Even though this card comes with an annual fee, you’ll get anniversary bonus points each year to help offset the cost.

Honorable Mention

The Capital One Venture Rewards Credit Card also allows you to maximize your travel rewards by awarding 2X miles per purchase and 5X miles for hotel and rental cars booked through Capital One Travel. You can also gain access to Capital One airport lounges and transfer your miles to several loyalty rewards programs. 

The Chase Slate Edge℠ is the best credit card for an extended 0% interest period so you can save money while paying on your purchases.

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Wells Fargo Reflect® Card

CardRates Expert Rating

Wells Fargo Reflect® Card

4.6/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

Ashley Fricker Senior Editor

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★★★★★ 4.6/5.0

at the issuer’ssecure website

• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, a  variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.
• $0 Annual Fee
• Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
• Through My Wells Fargo Deals, you can have access to personalized deals from a variety of merchants. Activate your deals, then shop, dine, or enjoy an experience using an eligible Wells Fargo credit card.
• Zero liability protection plus Roadside Dispatch®

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Intro (Purchases) 0% intro APR for up to 21 months from account opening

Intro (Transfers) 0% intro APR for up to 21 months from account opening on qualifying balance transfers

Regular APR 17.24%, 23.74% or 28.99% Variable APR

Annual Fee $0

Credit Needed Good/Excellent

Why We Chose This Card

We chose the Wells Fargo Reflect® Card because it has one of the longest 0% APR promotional periods. If you need to make a larger purchase that you wish to pay off over time, this card is a great option since it will help you save on interest. This card also comes with up to $600 of device protection when you use the card to pay your monthly cell phone bill.

The Wells Fargo Reflect® Card also has no annual fee, and cardholders can earn cash back (as a statement credit) through the My Wells Fargo Deals program.

Honorable Mentions

The Citi Simplicity® Card and U.S. Bank Shield™ Visa® Card are more solid options to consider if you’re looking for an extended 0% intro APR promotional period and no annual fee. 

The Ink Business Unlimited® Credit Card is the best option for small business owners looking for rewards and protections for their business spending.

5

Ink Business Unlimited® Credit Card

CardRates Expert Rating

Ink Business Unlimited® Credit Card

4.6/5.0

About this rating

Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.

See Our Review»

Ashley Fricker Senior Editor

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★★★★★ 4.6/5.0

Our Review »

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

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Intro (Purchases) 0% Intro APR on Purchases 12 months

Intro (Transfers) N/A

Regular APR 17.49% – 23.49% Variable

Annual Fee $0

Credit Needed Good/Excellent

Why We Chose This Card

We chose the Ink Business Unlimited® Credit Card because it offers some of the best benefits for small business owners. When you use this business credit card to pay for operating expenses and other costs, you’ll earn unlimited cash back rewards to redeem for a statement credit, gift cards, or travel. 

It’s easy to set up employee cards as well with your Ink Business Unlimited® Credit Card for no additional cost. Chase also makes it easy to monitor and protect your card spending with Purchase Protection, Fraud Protection, and personalized credit account alerts.

Honorable Mentions

The Ink Business Preferred® Credit Card is another popular option for businesses that spend a lot of money on their cards. You can earn a generous signup bonus and more points per dollar on all your purchases. 

Capital One Spark Cash Select is another business credit card that offers unlimited cash back rewards on your purchases and no annual fee. Rewards don’t expire as long as your account is open and active. 

If your credit score is 700 or higher, you have plenty of options for quality credit cards with most major credit card issuers. This includes banks like Chase, Citi, Capital One, Discover, Bank of America, and Wells Fargo.

The credit cards that offer the best rewards and most competitive interest rates are typically reserved for borrowers with a good credit score above 700.

These credit cards will offer cash back, points, or miles for your everyday purchases. You’ll have access to balance transfer, rewards, and 0% intro APR credit cards. Some of the cards will also have no annual fee or waive the fee for the first year. 

You also shouldn’t have to worry about paying any monthly maintenance fees, which are more common with subprime credit cards for people with a poor credit history. 

Credit scores range from 300 to 850, and the higher your score, the better. A good score varies depending on the model used, with FICO and VantageScore being the most common. While they are similar, there are slight differences between them. 

With a FICO score around 700, you’re in a strong position, but there’s still room to improve. This score qualifies you for excellent credit cards or personal loans with great terms. 

If you have a good credit score and are looking to open a cash rewards credit card, the APR and credit limit you get will vary. Most credit card issuers use a variable interest rate based on the current market rate. 

However, there’s still plenty of room to lock in a lower interest rate if you have excellent credit. For example, with a higher credit score, you may be able to get an interest rate of 15% to 17%, but with bad credit, your rate could be 29% or higher. 

Your credit limit will depend on your credit score and the amount the issuer is willing to offer. Card issuers use your payment history, existing credit card debt, credit score range, and income to determine your credit card limit. 

While plenty of cards offer 0% APRs, realize that these are just temporary promotions that last anywhere from six to 18 months. Once the promotional period ends, any unpaid balance will be subject to the regular purchase APR, which is determined by your credit history. 

Wondering if paying an annual credit card fee is worth it? It really comes down to how you use the card and if the benefits outweigh the fee. 

For example, if you have the Chase Sapphire Preferred® Card that increases the value of points you redeem through Chase Ultimate Rewards, you may find this benefit worth the annual fee. 

Or, you could consider switching to another Chase rewards card, such as the Chase Freedom Unlimited®, that doesn’t have an annual fee. Think about how often you plan to spend with the card and how you earn and redeem rewards. If the card provides bonus rewards each year or a free night stay at a hotel of your choice, this could be another reason to keep the annual fee.

Decide early on if you can afford the annual fee. If it doesn’t make sense financially, know that plenty of great rewards credit cards don’t have an annual fee.

A credit card can be an excellent tool to improve your credit score. Whether you have an average credit score, bad credit, or limited credit history, using a credit card and paying it on time each month can help you build credit over time. 

Credit card companies report your account history to each credit bureau (Equifax, TransUnion, and Experian). Each credit bureau uses its own credit scoring model to calculate your credit score based on your credit report data, but they all measure similar factors. 

Besides paying your bill on time, it’s crucial to keep your credit card balances low. This helps you avoid credit card debt and maintain a healthy credit utilization rate. A good rule of thumb is to keep your total credit utilization across all your cards at or below 30%. So, if you have a $5,000 credit limit, try to keep your unpaid balance under $1,500, which is 30% of your limit. 

Using your credit card strategically to improve your score will help you access better rates and terms for a personal loan, consolidation loan, car loan, or even a mortgage. Most credit card issuers provide free credit scores so you can track your credit progress over time.

If you’re denied a credit card, the company will let you know and mail you an Adverse Action Notice explaining why you were denied. This resource will tell you which credit bureau report and score it reviewed and which factors influenced its decision.

Maybe you’re dealing with a lot of outstanding debt, or you’ve recently made too many credit inquiries. It’s really important to review your credit reports to make sure there are no negative accounts affecting your score. If you spot errors or accounts that don’t belong to you, be sure to dispute them.

In the meantime, you can consider another type of credit card that accepts a lower credit score. 

It’s best to compare credit card offers for good credit before choosing a card. Using a site like CardRates can help you learn more about your top credit card options depending on your score and preferences. 

If you’re looking for a rewards credit card, some credit card companies even compare their options side-by-side so you can review the features. But the key things to look out for are the:

• Purchase APR
• Rewards and whether they’re capped at a certain amount
• Annual fees
• And niche things applicable to your lifestyle, like whether the card charges a foreign transaction fee if you travel abroad often 

Take your time to explore all the options available to you before applying for a new credit card so you don’t get too many hard inquiries from multiple card applications.

Having at least a 700 credit score can unlock several options for quality credit cards that offer rewards and other perks. Narrowing down the best credit card for a 700 credit score can be challenging, but it all depends on which features and benefits you value. 

Ask yourself whether you’re looking for more cash back, travel rewards, low or no interest, no annual fee, or all of the above. This guide will help you narrow down the best options when considering your next card.  

If you haven’t hit a 700 credit score yet, don’t worry—you can start improving it today. By taking the right steps, you’ll soon qualify for excellent cards.