Credit Cards for a 700 Credit Score: Big Rewards and Benefits

While having a certain credit score can't guarantee your acceptance, having a higher score improves your odds of being approved. If you have a 700 credit score or higher, the Wells Fargo Active Cash^® Card is one of our top recommendations because it has a $0 annual fee, and you can earn 2% cash rewards on purchases.

But if you would rather earn travel rewards, consider the Chase Sapphire Preferred^® Card or Capital One Venture Rewards Credit Card.

Let’s dig into the details of credit cards for people with a 700 credit score to see which card is the best fit for you.

Key takeaways

• We recommend the Wells Fargo Active Cash and Citi Double Cash^® Card because of their simple yet elevated rewards rates.
• For earning travel rewards, we recommend the Chase Freedom Unlimited^®, Chase Sapphire Preferred, and Capital One Venture Rewards.

Best credit cards for a 700 credit score

• Wells Fargo Active Cash^® Card
• Citi Double Cash^® Card
• Chase Freedom Unlimited^®
• Chase Sapphire Preferred^® Card
• Capital One Venture Rewards Credit Card

Compare credit cards for a 700 credit score

Card name	Welcome offer	Rewards rate	Annual fee
Wells Fargo Active Cash® Card	Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months	Earn 2% cash rewards on purchases	$0
Citi Double Cash® Card	Earn $200 in 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; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24	$0
Chase Freedom Unlimited®	Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)	Earn 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases	$0
Chase Sapphire Preferred® Card	Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening	Earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases	$95
Capital One Venture Rewards Credit Card	Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening	Earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25	$95

Wells Fargo Active Cash^® Card

The Wells Fargo Active Cash makes sense if you want to carry only one card that you can use for all your eligible purchases.

Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Rewards rate: Earn 2% cash rewards on purchases.

Why we like it: The Wells Fargo Active Cash has a $0 annual fee and an elevated rewards rate that makes it easy to earn cash rewards on all your eligible purchases.

You can also take advantage of these introductory APR offers.

• Intro APR on purchases: 0% intro APR for 15 months from account opening on purchases (then 20.24%, 25.24%, or 29.99% Variable)
• Intro APR on qualifying balance transfers: 0% intro APR for 15 months from account opening on qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable)

What we don’t like: There aren’t any bonus categories, which means you won’t earn additional rewards for specific types of purchases. You also have to pay 3% foreign transaction fees on applicable purchases.

Other benefits include:

• Cell phone protection

Read our full Wells Fargo Active Cash review for more details.

Citi Double Cash^® Card

The Citi Double Cash Card makes sense as an everyday cash back and balance transfer card.

Welcome offer: Earn $200 in 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.

Rewards rate: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Why we like it: The Citi Double Cash has a $0 annual fee and an excellent rewards rate for making everyday purchases. You can also take advantage of a long intro APR offer on balance transfers.

• 0% intro APR for 18 months on balance transfers (then 19.24% - 29.24% (Variable))

What we don’t like: This card doesn't come with an intro APR offer on purchases. You also have to pay 3% foreign transaction fees, making this a poor choice for international travel.

Read our full Citi Double Cash Card review for more details.

Chase Freedom Unlimited^®

The Chase Freedom Unlimited makes sense if you want a $0-annual-fee card for earning Ultimate Rewards points.

Welcome offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year).

Rewards rate: Earn 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and unlimited 1.5% cash back on all other purchases.

Why we like it: The Chase Freedom Unlimited has a $0 annual fee and provides useful bonus categories for earning increased amounts of Ultimate Rewards points. You can also take advantage of multiple intro APR offers.

• Intro APR on purchases: $0 intro APR for 15 months on purchases (then 20.49% - 29.24% Variable)
• Intro APR on balance transfers: 0% intro APR for 15 months on balance transfers (then 20.49% - 29.24% Variable)

What we don’t like: The Chase Freedom Unlimited makes sense for earning travel rewards on everyday purchases but not for making international travel purchases. That’s because you have to pay foreign transaction fees to the amount of 3% of each transaction in U.S. dollars.

Other benefits include:

• Combining Chase Ultimate Rewards points between eligible Chase cards
• Purchase protection
• Extended warranty protection
• Trip cancellation/interruption insurance
• Auto rental collision damage waiver
• Travel and emergency assistance services

Read our full Chase Freedom Unlimited review for more details.

Chase Sapphire Preferred^® Card

The Chase Sapphire Preferred makes sense if you want a travel credit card for earning and redeeming travel rewards.

Welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Rewards rate: Earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.

Why we like it: The Chase Sapphire Preferred doesn’t have foreign transaction fees, making it an ideal choice for international travelers. And to boost your rewards balance, take advantage of the Sapphire Preferred’s everyday bonus categories.

What we don’t like: There’s a $95 annual fee for cardmembers, and there aren’t any intro APR offers.

Other benefits include:

• Combine Chase Ultimate Rewards points between eligible Chase cards
• Up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠
• Over 12 transfer partners, including Southwest Airlines Rapid Rewards, United MileagePlus, and World of Hyatt
• Purchase protection
• Extended warranty protection
• Trip cancellation/interruption insurance
• Trip delay reimbursement
• Auto rental collision damage waiver
• Baggage delay insurance
• Travel and emergency assistance services

Read our full Chase Sapphire Preferred review for more details.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards makes sense if you want a travel credit card with a simple rewards rate and additional travel perks.

Welcome offer: Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening.

Rewards rate: Earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

Why we like it: The Capital One Venture Rewards has a simple rewards rate that makes it easy to rack up miles for common purchases such as gas or dining. It also has no foreign transaction fees, and you can receive up to $100 statement credit for paying the application fee for a TSA PreCheck or Global Entry membership.

What we don’t like: There’s a $95 annual fee and no intro APR offers to use.

Other benefits include:

• Two complimentary lounge visits per year to Capital One or Plaza Premium Lounges
• Over 12 transfer partners, including Air Canada Aeroplan, British Airways Avios, and Choice Privileges

Read our full Capital One Venture Rewards review for more details.

How to choose credit cards for a 700 credit score

Consider these factors to help choose a credit card for a 700 credit score.

Credit requirements

A 700 credit score should help you qualify for most credit cards, including some of the best credit cards for good credit. That’s because a good credit score is at least a 670 on the FICO scoring model.

However, keep in mind that some credit cards typically require an excellent credit score of 800 or more to qualify.

In addition, there are credit cards available from different credit card issuers if you have bad credit, fair credit, or average credit.

Rewards and earning potential

Rewards credit cards tend to earn points, miles, or cash back from making purchases or earning a sign-up bonus. If you prefer redeeming rewards for travel, consider cards that earn points or miles. Otherwise, go for cash rewards credit cards that earn cashback rewards.

There are two varieties of rewards rates you might see on rewards credit cards.

1. Flat-rate rewards: You typically earn the same rate, usually between 1% to 2%, on all eligible purchases.
2. Spending categories: You typically have a base earning rate of 1% and earn more on specific types of purchases. For example, you might earn 3% on dining and grocery store purchases.

It makes sense to apply for a flat-rate rewards card if you want to use one card for most or all of your purchases. That means fewer cards you have to carry in your wallet.

It makes sense to apply for a rewards card with bonus categories if you want to earn higher rates on specific purchases. That’s likely the better option if you want to help maximize your earning potential.

Perks and benefits

Credit cards can have different benefits because of different card issuers, including Chase, American Express, and Capital One. Benefits can also vary depending on the card network, such as Visa or Mastercard.

Depending on your preferences, you might want a card that has travel benefits (such as airport lounge access or travel insurance). Or you might specifically want a card with cell phone, purchase, and/or extended warranty protection.

Card fees

Some important fees to compare between different cards include:

• Annual fees: These are card membership fees you pay each year to be a cardholder. Cards with annual fees tend to have more benefits, but many no-annual-fee credit cards also provide plenty of value.
• Foreign transaction fees: These are fees you have to pay for making foreign purchases. If you like to travel internationally, it’s best to find a card without foreign transaction fees.

Intro APR offers

An intro APR offer on purchases could be useful if you know you have upcoming large purchases that you’ll need some time to pay off.

An intro APR offer on balance transfers could be useful if you have existing credit card debt and you want to move from higher interest rates to lower interest rates for a certain amount of time. But keep in mind that balance transfers typically incur balance transfer fees.

FAQ

Credit cards for a 700 credit score: bottom line

The Wells Fargo Active Cash is one of our top choices for credit cards if you have a 700 credit score because it’s easy to use and has a $0 annual fee.

But it only earns cash rewards, so if you prefer earning travel rewards, consider the Chase Sapphire Preferred and Capital One Venture Rewards.

Compare credit cards to find the right credit card offer for you.

Methodology

The companies we chose for our favorite credit cards for a consumer with a 700 credit score may be current or past FinanceBuzz partners. We did not review all companies in the market. When evaluating these companies, we considered factors such as annual fees, welcome offers, earnings rates, and overall benefits.

Lucrative, Flat-Rate Cash Rewards

Wells Fargo Active Cash^® Card

5.0

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Wells Fargo Active Cash^® Card

Apply Now

Rates and fees

Current Offer

$200 cash rewards bonus after spending $500 in purchases in the first 3 months

Annual Fee

$0

Rewards Rate

Earn 2% cash rewards on purchases

Benefits and Drawbacks

Benefits

• $200 cash rewards bonus after spending $500 in purchases in the first 3 months
• Earn unlimited 2% cash rewards on purchases
• Intro APR on purchases and qualifying balance transfers
• $0 annual fee

Drawbacks

• Has foreign transaction fee
• No bonus categories

Card Details

• Select “Apply Now” to take advantage of this specific 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 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% 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.