Best Credit Cards for a 700 Credit Score [2026]: Maximize Your Rewards

If you've achieved a 700 credit score or higher, your hard work can pay off when you're ready for a new credit card. With a "good" credit score, you typically have a better chance of accessing cards with nice benefits, such as no annual fees, generous welcome offers, nice reward structures, and sometimes even fancy travel perks.

But before choosing your next card based on rewards alone, you should research all your options to ensure the one you choose offers long-term value and doesn't come with unnecessary costs. To help you find what makes sense for you, we researched several of the best credit cards for a 700 credit score, tailored for everyday spenders, travelers, and more.

Just a word of caution: Remember that a 700 credit score doesn't automatically mean you'll qualify for the cards on our list, as creditors will also consider your income and other factors. 

Best credit cards for a 700 credit score

Card name	Excellent for	Recommended credit score	Annual fee
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.	Flat rewards rate on purchases	Excellent, Good	$0
Citi Double Cash® Card(Rates and fees) 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.	Flat rewards rate with payoff incentive	Excellent, Good	$0
Blue Cash Everyday® Card from American Express 4.9 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.	Elevated rewards for common everyday purchases	Excellent, Good	$0
Chase Freedom Unlimited®(Rates and fees) 4.7 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.	Bonus Chase Ultimate Rewards	Excellent, Good	$0
Chase Sapphire Preferred® Card(Rates and fees) 4.8 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.	Robust travel rewards and protections	Excellent, Good	$95
Capital One Venture Rewards Credit Card 4.7 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.	Travel rewards in the form of miles	Excellent, Good	$95

Wells Fargo Active Cash^® Card

If you have a 700+ credit score and want to carry only one card for all your eligible purchases, the Wells Fargo Active Cash^® Card is a strong option. We like the simplicity of this card. While the rewards aren't flashy, they're more generous than many other cards with flat rates. Plus, there's no guesswork about whether your spending fits into any specific category.

Some of us don't want to worry about how to maximize rewards, as is common with some other rewards programs, and this card lets you simply earn the same rate on eligible purchases and redeem the value for statement credits, purchases, or gift cards. Plus, it's the only card on our list with cell phone protection, which could save you money if you're paying for separate coverage.

But if you're interested in making a major purchase or a balance transfer, be aware that this card offers a shorter intro APR period than alternatives like Chase Freedom Unlimited and American Express Blue Cash Everyday. It's also not a good pick if you travel, since it charges a foreign transaction fee and doesn't allow transferring earnings to hotels, airlines, and other travel partners.

Who this card is right for: We recommend this card if you'd prefer to earn a flat rewards rate on purchases rather than try to keep up with categories.

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

Citi Double Cash^® Card

We found that the Citi Double Cash^® Card makes sense as an everyday cash back and balance transfer card with a unique twist. Unlike Wells Fargo Active Cash, which provides flat rewards all at once, this competing card offers 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

We like that this card offers flat-rate rewards without the hassle of remembering categories and encourages you to pay back your credit card balance promptly. If you're someone who regularly carries a balance, earning that second half of your rewards can be a good motivator to pay off your balance, setting you up to avoid interest on anything you would have carried over. Plus, the Citi Travel incentive makes the card appealing for an upcoming trip.

While this card offers a generous intro APR on balance transfers, you won't get one on purchases, which limits its appeal if you have a major upcoming expense. Plus, it's lacking in travel perks beyond the Citi Travel incentive, and you'll need to pay foreign transaction fees.

Who this card is right for: Consider this card if you'd like to motivate yourself to pay off credit card purchases more quickly, make a balance transfer, or earn generous cash back on eligible purchases through Citi Travel.

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

Blue Cash Everyday^® Card from American Express

If you'd like a higher rewards rate on purchases you likely already make regularly, the Blue Cash Everyday^® Card from American Express is a standout option. This card offers elevated rewards on top everyday categories: 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on eligible purchases in each category, then 1%); and 1% cash back on other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout).

That top rate is capped, which might disappoint you if you're a big spender. But for many people, the higher rewards will be worth it, and we can see pairing this card with another one that has a competitive flat rewards rate. We also like the extra value you get with the up to $84 annual Disney bundle credit, secondary car rental coverage, and the intro APR offer for purchases and balance transfers.

However, this card only offers two redemption options for your rewards. We also don't consider it the most traveler-friendly option, as it charges a foreign transaction fee and lacks perks like airport lounge access or elevated rewards.

Who this card is right for: You might like this card if you want to earn more back on U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases and don't mind the annual earnings cap.

Read our Blue Cash Everyday Card from American Express review for more details.

Chase Freedom Unlimited^®

We love the Chase Freedom Unlimited^® for its elevated rewards rate on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. While these categories are more limited than Blue Cash Everyday's, they're still common enough that many people can benefit. Earning a higher rate on travel when purchased through Chase Travel is a nice perk as well, since this portal offers an excellent range of travel options.

Since the Chase Freedom Unlimited is a great card for earning travel rewards with a $0 annual fee, it can be good to keep in your wallet for such purchases. You also get fairly robust travel protections, including trip cancellation and interruption insurance. However, beware of using the card while traveling due to the foreign transaction fees.

Note that the Chase Unlimited Rewards earned are very flexible, whether you want to transfer them between compatible Chase cards, redeem them for travel, get cash, or request gift cards.

Who this card is right for: This makes sense if you want a no-annual-fee card for earning flexible Ultimate Rewards points and enjoying travel perks.

Read our full Chase Freedom Unlimited review for more details.

Chase Sapphire Preferred^® Card

The Chase Sapphire Preferred^® Card is very popular in the travel rewards space and one of our favorites. While it has a $95 annual fee, we've found that the card's numerous benefits can easily offset that cost.

We especially like the Chase Sapphire Preferred for its robust travel protections, higher rewards on travel and dining purchases, and the option to redeem points for up to 1.5x more value on select hotels and flights through Chase Travel℠. Plus, you won't incur foreign transaction fees, so you can use it while traveling at no extra charge. If travel is a priority, this card is an excellent option.

Despite its many benefits, this may not be the right card for you if you'd like an intro APR on balance transfers or purchases, airport lounge access, or TSA PreCheck credit. Its bonus categories are also more limited and don't include U.S. gas stations or in-store supermarket purchases, unlike the Blue Cash Everyday.

Who this card is right for: If you don't mind the annual fee and lack of intro APR offers, this card is an excellent choice if you're looking for travel rewards and protections that add plenty of value.

Read our full Chase Sapphire Preferred review for more details.

Capital One Venture Rewards Credit Card

For another excellent travel rewards card, consider the Capital One Venture Rewards Credit Card card, which offers plenty of travel benefits that could help offset its $95 annual fee.

While this card is versatile, it's especially valuable if you're a frequent flier, since you can be reimbursed up to $120 for TSA PreCheck or Global Entry to streamline your flying experiences. We also love that you can earn the higher rate of 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. Plus, there are travel loyalty program partners and no foreign transaction fees.

If you don't travel much, we think this card has less value than alternatives on our list that offer a flat rewards rate or elevated rewards on common everyday purchases. It's also not a good choice if you need an intro APR offer.

Who this card is right for: Consider this traveler-focused card if you'd like flexible hotel and flight booking options, valuable protections, and rewards earned in miles.

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

How to choose credit cards for a 700 credit score

Remember that your credit score isn't the only thing card issuers consider, but a 700 credit score should boost your eligibility for most credit cards. You might look at some of the best credit cards for good credit for ideas, since 670 puts you in the "Good" range of the FICO scoring model.

Certain cards are typically more likely to approve you if your credit score is 800 or above, though, so if you're not quite there, the cards included here might fit the bill.

Rewards and earning potential

The first thing many people look for when evaluating credit cards is how to earn and redeem rewards. You'll typically earn points, miles, or cash back on your purchases, and you can also get a lot of value from a welcome bonus, as the cards in this roundup offer.

Consider whether you want to earn a flat rate on rewards, such as 2% on all purchases, or if you'd like a higher earning rate on specific purchases (such as travel or groceries). Choosing great cash rewards credit cards can simply pay you back for your purchases.

In theory, you might be able to earn more overall with a card that rewards specific categories, but if keeping track of multiple rewards cards sounds too daunting, it's perfectly fine to choose a card with a simple rewards structure, perhaps the same rate on every purchase.

The first three cards listed above are better suited for everyday purchases and have simpler reward structures, while the last three are travel-centric and have robust rewards programs that are somewhat more complex. In some cases, you might decide on multiple cards for different purposes to maximize your rewards.

Perks and benefits

Credit cards can have different benefits because of different card issuers. You might be seeking travel benefits like travel insurance or airport lounge access. Or perhaps you're hoping to find cell phone protection or a longer extended warranty on purchases with your card.

Another perk to check for is whether the card has an introductory 0% APR period on either purchases or balance transfers. If you have an upcoming large purchase or some past debt you need to take care of, choosing one of these cards with a 0% introductory APR can help you save money. Our writer, Ashley, has used such promotions to pay for medical bills, home appliances, and electronics without finance charges.

Card fees

It's important to consider fees on any new credit card. 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 pay for making foreign purchases. If you like to travel internationally, it's best to find a card without foreign transaction fees.

FAQs

Bottom line

The best credit cards for a 700 credit score often offer no or low annual fees, generous rewards, and perks like travel benefits, cell phone protection, and 0% intro APR promotions.

We recommend general cards like Wells Fargo Active Cash^® Card(Rates and fees), Citi Double Cash^® Card(Rates and fees), and Blue Cash Everyday^® Card from American Express for everyday spenders since they have simple reward structures and no annual fees. Chase Freedom Unlimited^®, Chase Sapphire Preferred^® Card, and Capital One Venture Rewards Credit Card are great for travelers but sometimes require annual fees.

Ultimately, you should consider how you plan to use the card, such as for certain types of purchases or a balance transfer, to find the right fit.

2026 Award Winner Best Overall Cash Back Credit Card

Wells Fargo Active Cash^® Card

Benefits Card Details

• Low spend threshold for its welcome offer — $200 cash rewards bonus after spending $500 in purchases in the first 3 months
• Cell phone protection benefit (subject to a $25 deductible)
• Can redeem rewards at an ATM for literal cash
• Apply Now

• Apply Now to take advantage of this 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 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% 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.

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.

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Rates and fees

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Intro Offer

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

Annual Fee

$0

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Why we like it

• If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash^® Card could be a good option for you. Card members can earn unlimited 2% cash rewards on purchases.

• This card also offers a 0% intro APR on qualifying balance transfers and purchases for 12 months from account opening, then 18.49%, 24.49%, or 28.49% Variable. Those looking for straightforward rewards and an introductory APR will likely find value in this card.

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