Best cards for a 700 credit score

FICO credit scores, the industry standard for determining credit risk, range from 300 to 850 — with 670 to 739 considered a good score. A 700 score puts you in the middle of the good range but is still slightly below the average credit score of 714, according to FICO’s latest credit insights report.

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

Capital One Savor Cash Rewards Credit Card

Rating: 5 stars out of 5

5

Learn more in Bankrate's review

• 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 and cons

  

  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.

Best for travelers

Capital One Venture Rewards Credit Card

Rating: 4.7 stars out of 5

4.7

Learn more in Bankrate's review

• Bankrate’s view

  Despite its 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 and cons

  

  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 credits for Global Entry of TSA PreCheck.

  

  Cons

  • Everyday spenders may struggle to offset this card’s annual fee with rewards earnings.
  • It doesn’t have much bonus category variety compared to other travel rewards cards.

Best for household spending

Blue Cash Everyday® Card from American Express

Rating: 4.6 stars out of 5

4.6

Learn more in Bankrate's review

• Bankrate’s view

  If you’re looking for a no-annual-fee, well-rounded card then this is a strong option. It earns 3% cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations for each category on up to $6,000 per year (then 1%). This is an ideal card for families that spend most of their money on groceries and gas and don’t want an annual fee to cut into any earnings.

• Pros and cons

  

  Pros

  • Its 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%.

Best for custom bonus categories

Citi Custom Cash® Card*

Rating: 4.4 stars out of 5

4.4

Learn more in Bankrate's review

• Bankrate’s view

  This card is the best card you’ll find to pair 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 eligible categories.

• Pros and cons

  

  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.

Best for flat-rate cash rewards

Wells Fargo Active Cash® Card

Rating: 4.3 stars out of 5

4.3

Learn more in Bankrate's review

• Bankrate’s view

  If you don’t care to deal with tiered rewards or rotating categories, this card can help you maximize rewards or pay off substantial debt. It offers an excellent flat rate of unlimited 2% cash back on all purchases and an intro APR offer of 12 months on qualifying balance transfers and purchases. So, if you need to pay off some high-interest debt but want a card with long-lasting value, this might be your pick.

• Pros and cons

  

  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.

Best for potentially low interest

Upgrade Cash Rewards Visa®

Rating: 4.2 stars out of 5

4.2

Learn more in Bankrate's review

• Bankrate’s view

  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 and cons

  

  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 1.5% 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.

Comparing the best cards for 700 credit scores

How to get an excellent credit score

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.

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% to increase your credit score, although experts recommend even as low as 10%. 
• 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 is a safe move, 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.

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

• Why was my application rejected if I have a 700 credit score?

  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.

• How common is a 700 credit score?

  A 700 credit score is pretty common. The average American credit score was 714 in 2025, according to FICO’s latest credit insights report. Experian’s latest Consumer Credit Review states that 21.6% of consumers have credit scores between 670 and 739.

• How long does it take to go from a 700 to 800 credit score?

  The answer to this question depends on your credit history and current credit habits. Obviously, having a significant ding on your history can make building it to the 800 level take a bit longer, and if you happen to forget a payment, for example, your progress will be slowed down. Because credit reports usually occur every 30 days, you won’t see any progress in under a month, and it may take several years to finally reach your goal.

*The information about the Citi Custom Cash® Card has been collected independently by Bankrate. The card details have not been reviewed or approved by the issuer.