7 Best Credit Cards For People With A Credit Score Over 700


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A credit score above 700 will unlock some of the best credit cards around. In other words, it will allow you to enjoy some of the best credit card benefits. You may still struggle to get approved for the most premium credit cards, but they’re almost within your reach.

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Now that you have a credit score above 700, you will start to see lower APRs than in the past. In addition, you will be able to subscribe to credit cards that do not require you to pay a deposit, as secured credit cards generally do. If your credit score is over 700, here are some of the best credit cards to consider.

Approval may not be guaranteed if your credit score is just over 700, but if you qualify, the Chase Sapphire Preferred is a great introduction to the world of premium credit cards. It gives you 5X points on travel when you book through the Chase Ultimate Rewards® portal, 3X points on meals and 1X points on all other purchases. Points transfer at a 1:1 ratio to eligible travel partners. However, points are worth 25% more when you book travel through the Chase portal. The annual fee for this card is , which is great value for money considering all its benefits.

The Citi Personalized Charge Card lets you earn 5% cash back on up to $500 spent in your highest eligible category each billing cycle. All other spend earns unlimited 1% cash back. You can redeem rewards for statement credit, direct deposit, gift cards, travel, or purchases on Amazon. There is no annual fee and the card has a 0% APR period after account opening on purchases and balance transfers.

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Quicksilver Rewards for Good Credit from Capital One

Quicksilver Rewards for Good Credit from Capital One earns 1.5% unlimited cash back. This card is for those with good (but not great) credit. The purchase APR is high at 28.49%, but there is no annual fee. Other benefits include no foreign transaction fees and travel accident insurance.

VentureOne Rewards for Good Credit from Capital One

VentureOne Rewards for Good Credit is a great choice if you prefer travel rewards. There is no annual fee and earns unlimited 1.25 miles per dollar spent. However, you can earn five miles per dollar by booking travel through Capital One Travel. Like the Quicksilver, this card has no foreign transaction fees. It also gives you access to the Capital One lounge during your trip.

The Chase Freedom Unlimited is a no-annual-fee card that’s perfect for day-to-day spending. In addition to a sign-up bonus, you can earn 5% cash back on grocery store purchases (excluding Target and Walmart) on up to $12,000 in purchases in the first year. You can also earn unlimited 3% cash back on dining, including takeout, and unlimited 3% cash back on pharmacy purchases. You also earn 5% cash back on trips booked through Chase Ultimate Rewards and 1.5% on all other purchases.

The Chase Freedom Flex has many of the same benefits as the Freedom Unlimited, including 5% cash back on up to $12,000 in grocery store spend (also excluding Target and Walmart). It also has the same 3% cashback spent on restaurants and pharmacies. The main difference with the Flex is that it earns 1% on purchases that fall outside of its bonus categories instead of 1.5%. However, the Flex has quarterly bonus categories that allow you to earn an additional 5% cash back on up to $1,500 in purchases.

The Wells Fargo Active Cash® is perfect for those who want a no-frills cashback card; he earns 2% cash back on all purchases. It also has a 0% APR period from account opening on qualifying purchases and balance transfers. The card has no annual fee, but includes a $200 cash sign-up bonus when you spend $1,000 on purchases in the first 3 months. There are other added benefits, such as $600 cell phone protection (subject to a $25 deductible) and zero liability protection.

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Information relating to Chase has been collected by GOBankingRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please check the issuer’s website for up-to-date information. GOBankingRates does not receive commission for this product.

This article originally appeared on GOBankingRates.com: 7 Best Credit Cards For People With A Credit Score Over 700


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