What Credit Cards Can You Get With a 700 Score?

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Finest bank cards for a 700 credit score rating

FICO credit score scores, the business normal for figuring out credit score threat, vary from 300 to 850 — with 670 to 739 thought-about a superb rating, 740 to 799 is superb and 800 to 850 is phenomenal. A 700 rating places you in the midst of the great vary however nonetheless barely beneath the typical credit score rating of 716.

With a median credit score rating, anticipate to pay across the common bank card rate of interest. Nonetheless, you may qualify for an APR that’s larger or decrease primarily based in your creditworthiness. Bank card APRs differ, so analysis your choices earlier than deciding.

That can assist you discover the best card for a 700 credit score rating, we’ve compiled a number of choices that candidates with a rating of 700 could qualify for. Choices differ from these with beneficiant rewards charges to low ongoing APRs, and several other are on the record of the most effective bank cards for good credit score.

Evaluating the most effective playing cards for a 700 credit score rating

Card title Annual price Rewards Bankrate evaluate rating
Capital One SavorOne Money Rewards bank card $0
  • 8% money again on Capital One Leisure purchases
  • 5% money again on lodges and rental vehicles booked utilizing Capital One Journey
  • Limitless 3% money again on eating, leisure, fashionable streaming subscriptions and grocery retailer purchases (excluding superstores like Walmart and Goal)
  • 1% money again on all different purchases
Capital One Enterprise Rewards bank card $95
  • 5X miles on lodges and rental vehicles booked by means of Capital One Journey
  • 2X miles on all different purchases
Blue Money On a regular basis® Card from American Specific $0
  • 3% money again at U.S. supermarkets, U.S. fuel stations and U.S. on-line retail purchases (as much as $6,000 per calendar yr in every class, then 1%)
  • 1% money again on all different purchases
Citi® Customized Money Card $0 5% money again in your prime eligible spending class every billing cycle (on as much as $500 spent every billing cycle, then 1 %) 4.4/5
Wells Fargo Lively Money® Card $0 Limitless 2% money rewards on purchases 4.3/5
Improve Money Rewards Visa® $0 Earn 1.5% limitless money again on card purchases each time you make a fee 4.2/5

Prime playing cards for a 700 credit score rating

How to decide on a card for a 700 credit score rating

When selecting a bank card with a 700 credit score rating, think about how that card will assist you to meet your monetary objectives. Intention to proceed increasing your creditworthiness and elevating your rating, and don’t accept a bank card that gained’t be useful in just a few months or years.

Listed here are some suggestions for selecting a card to maintain your credit score rating on the rise whilst you take advantage of the work you’ve put in thus far.

Search for financial savings by means of intro APR presents

Select a card with an APR you discover manageable or one with a 0 % intro APR supply for purchases, stability transfers or each. These presents can assist you quickly stability what you owe or plan to spend with out racking up excessive curiosity fees.

Match your card to your spending habits

Having a 700 credit score rating opens the door to some stable rewards and money again playing cards. Although it may appear clever to leap on the first card you see with a boosted rewards price, you’re higher off calculating your common annual spending after which matching your highest projected classes to a card with boosted rewards charges in these classes.

Time your software along with your greatest purchases

When you’ve got some massive purchases developing or know just a few occasions all year long whenever you’ll enhance your spending, you could wish to think about timing your bank card software to align with these purchases. This planning can assist you reliably attain welcome presents with extra ease.

Easy methods to get a wonderful credit score rating

  • Maintain credit score utilization low: Your credit score utilization ratio is the quantity of credit score you utilize towards the overall quantity obtainable to you. Maintain your utilization beneath 30 % to keep up and enhance your credit score rating.
  • Pay on time: Pay your card stability on time and in full every time doable to keep away from curiosity fees and set up a robust fee historical past.
  • Maintain outdated bank cards open: You may assume closing outdated bank cards will assist you to keep organized, nevertheless it gained’t do your credit score rating any favors. Maintain outdated playing cards open so that you enhance the age of your credit score historical past, a key scoring issue.
  • Don’t settle: When you see your rating climbing and also you’re near wonderful, don’t settle. You will get your rating even larger in the event you preserve constructive credit score habits.

The underside line

Whether or not a credit score rating of 700 is your purpose otherwise you’re aiming even larger, preserve training good credit score habits. Though a number of playing cards can be found with a rating of round 700, even higher playing cards can be found the upper your rating. Keep affected person, preserve constant habits and also you’ll be nicely in your option to a wonderful rating quickly sufficient.

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