Best Credit Cards for a 700 Credit Score [2024]: Maximize Your Rewards

Maybe you’ve recently done the hard work to reach a 700 credit score or higher and you’re looking to level up your credit card rewards. If so, you might qualify for the Wells Fargo Active Cash^® Card, a top contender for best credit cards for a 700 credit score thanks to $0 annual fee and the chance to earn unlimited 2% cash rewards on purchases

I also love the travel rewards for both the Chase Sapphire Preferred^® Card and Capital One Venture Rewards Credit Card, plus we’ll dive into a couple of other great cards.

Remember that having a 700 credit score doesn’t automatically mean you’ll qualify for these cards, since other factors are considered. But we’ll give you the top details on each of these cards, including the welcome offer and rewards programs, as well as whether there’s an annual fee, to help you choose your best option.

Best credit cards for a 700 credit score

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

Compare 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.	Earning flat rewards on everything	Excellent, Good	$0
Citi Double 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 with incentive to pay off your balance	Excellent, Good, Fair	$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.	Higher rewards rate for everyday purchases	Excellent, Good	$0
Chase Freedom Unlimited® 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.	Earning bonus Chase Ultimate Rewards	Excellent, Good	$0
Chase Sapphire Preferred® Card 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.	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, the Wells Fargo Active Cash^® Card is a strong option if you want to carry only one card to use for all your eligible purchases. I like the simplicity of this card — the rewards aren’t flashy, but they are valuable, and there’s no guesswork involved in whether your spending fits a rewards category or not.

It’s truly simple to earn cash back with the Wells Fargo Active Cash. No keeping track of rotating rewards, and redemption of rewards is pretty simple as well. Some of us don’t want to do the legwork of figuring out how to maximize rewards, as is common with some other rewards programs, and this card lets you simply earn the same rate on everything and redeem the value for statement credits, purchases, or gift cards.

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

Citi Double Cash^® Card

Another option is the Citi Double Cash^® Card, which makes sense as an everyday cash back and balance transfer card. It’s structured a bit differently with 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

I like the flat rate on rewards for this card, and it does encourage you to pay back your credit card balance promptly, since that’s how you earn the second half of your rewards on the Citi Double Cash Card.

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

Blue Cash Everyday^® Card from American Express

For someone who wants to earn higher rewards rates on everyday purchases, you may be eligible for the Blue Cash Everyday^® Card from American Express. I should mention that 700 is closer to the minimum credit score you need to qualify for this card, so you may want to wait until your credit is higher, more in the range of 750-800.

The Blue Cash Everyday 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 purchases in each category, then 1%); and 1% cash back on other eligible purchases. That rate is capped, but for many people the higher rewards will be worth it.

Read our Blue Cash Everyday Card from American Express 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.

I personally love the Chase Freedom Unlimited for its elevated rewards rate on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. 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.

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 when you need to make those 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.

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. I’m a big fan of this one, and it can be easily worth the annual fee thanks to the card’s numerous benefits.

I like the Chase Sapphire Preferred for its robust travel protections, increased rewards earnings on travel and dining purchases, and the option to redeem points for 25% greater value 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.

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.

While this card is versatile, it’s especially tailored to you 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. I 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.

Plenty of travel benefits make this a valuable card to keep in your wallet if you travel quite a bit.

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 more likely to approve you if your credit is at 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 I look for when evaluating credit cards is: how do I 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 included above are more suited for everyday purchases and have simpler rewards structures, while the last three are travel-centric and their rewards programs are robust, but somewhat more complex.

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.

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

We’ve included three excellent credit cards for a 700 credit score and earning on everyday purchases. The Wells Fargo Active Cash^® Card is one of our top choices because it’s easy to use and has a $0 annual fee.

However, if you prefer earning travel rewards and don’t mind an annual fee, consider the Chase Sapphire Preferred and Capital One Venture Rewards as options with great rewards potential.

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 unlimited 2% cash rewards on purchases

Benefits and Drawbacks

Benefits

• 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

Drawbacks

• Foreign transaction fee of 3%
• 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 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% 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.