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If your credit score is between 700-749 and you’re shopping for a credit card, you’re in luck.
Though having an excellent credit score of 750 or higher will open the doors to the lowest possible credit card APRs, you can still enjoy many amazing perks when you have a credit score between 700-749.
Have you noticed that pretty much every credit card company wants your business?
That’s because you are right in the credit “sweet spot” where you can still qualify for some of the best credit cards for good credit – but since your score is not quite excellent yet, you may be be charged a little extra interest. Of course, if you always pay your entire card balance on-time every month, the card’s APR doesn’t matter.
So, if you know how the banks work, you can navigate the credit card game like a champ. To find the best credit cards for 700 FICO scores or higher, you’ll need to do some research.
Luckily, we took care of most of it for you.
Best Credit Cards for 700-749 Credit Score
Chase Freedom®

- No Annual Fee
- Learn More >>
Zero liability protection + fraud protection make sure to protect your credit score from unlawful, fraudulent charges is just one of many perks you will get. Your score will never suffer because of identity theft!
- Rewards Category: Cash Back, Balance Transfers
- Annual Fee: $0
- Welcome Bonus: 0% intro APR for the first 15 months, $150 cash back bonus after spending $500 in your first 3 months.
- Normal APR: 16.74%–25.49% variable
Helpful Features
- Unlimited 1% cash back and 5% on rotating categories is a nice perk to your rewards
Drawbacks
- The 5% rotating cash back categories can be too much to keep up with for some.
Chase Sapphire Preferred® Card

- 60,000 point bonus when you spend $4,000 on qualified purchases in the first 3 months
- Learn More >>
Enjoy all the VIP feelings NOW, without having to wait until you reach the coveted “excellent” status.
The lack of 0% APR combined with sweet travel rewards will motivate you to get in the habit of paying off your balance every single month to rack up travel points faster.
You also get unlimited 1X points on every dollar spent on purchases. A few months of this, and boom – You’ll be in the “excellent” club in no time.
- Rewards Category: Travel Rewards
- Annual Fee: $95
- Welcome Bonus: 60,000 point bonus when you spend $4,000 on qualified purchases in the first 3 months. (When redeemed through Chase Ultimate Rewards®, this equates to $750 in travel rewards, easily a roundtrip flight!)
- Normal APR: 17.99%–24.99% variable
Helpful Features
- 0% foreign transaction fee, plus earn 2X points on every dollar spent on travel and dining at restaurants.
Drawbacks
- It’d be nice for this card to offer a 0% intro APR, but the $750 bonus helps make up for it.
Capital One® SavorOne® Cash Rewards Credit Card

- 0% apr on purchases and balance transfers for 15 months
- Learn More >>
Normally, when your credit is less-than-perfect, you feel bad about things like going out for dinner. Not with this card! Enjoy unlimited 3% cash back on dining and entertainment.
- Rewards Category: Cash Back
- Annual Fee: $0
- Welcome Bonus: 0% Introductory APR on Purchases and Balance Transfers in the first 15 months. $150 cash bonus on your first $500 spent in the first 3 months.
- Normal APR: 15.74% – 25.74% variable
Helpful Features
- 2% cash back at grocery stores. 1% cash back on all other purchases. Plus, there’s no foreign transaction fee.
Drawbacks
- If you forget to pay off your balance, this card’s interest rate of up to 25.74% is pretty steep!
Wells Fargo Propel American Express®

- No Annual Fee
- Learn More >>
The Wells Fargo Propel American Express card is definitely worth looking into when you have a 700-749 credit score.
- Rewards Category: Balance Transfer, Cash Back
- Annual Fee: $0
- Welcome Bonus: 30,000 bonus points when you spend $3,000 in purchases in the first 3 months – a $300 cash value.
- Normal APR: 15.74% – 27.74%
Helpful Features
- Earn 3X points on restaurants and food delivery, travel, transportation, and streaming services. This is unheard of!
Drawbacks
- This card’s specific cash back rewards are great for traveling foodies, but not for an all-around cash back rewards card.
The Platinum Card® from American Express

- 60,000 membership rewards points after spending $5,000 in the first 3 months
- Learn More >>
This card will reimburse you for the $100 Global Entry application fee that’s due about every 4 years. If you’re an international traveler, this is a sweet perk!
The Platinum Card also gives customers a monthly Uber Cash credit of $15 plus Centurion Lounge access to give you the VIP layover experience you’ve always wanted. Did we mention this is in over 1,2000 airports worldwide?
You’ll earn 1X points for each dollar of eligible purchases. For someone straddling the line between “good” and “excellent” credit, these everyday points on purchases can help nudge you in the right direction.
Think of your points as like your travel savings account – that you don’t actually have to pay for.
- Rewards Category: Travel Rewards
- Annual Fee: $550
- Welcome Bonus: Earn 60,000 points when you spend $5,000 in your first 3 months of card ownership.
- Normal APR: n/a
Helpful Features
- 5X points on flights & hotels booked through airlines or amextravel.com
Drawbacks
- One of the few cards on our list with an annual fee at $550 which is pretty hefty
Chase Freedom Unlimited®

- 0% apr for the first 15 months
- Learn More >>
You will also get a nice $150 bonus after you spend $500 on purchases in the first 3 months of opening your account, who doesn’t like free money?
- Rewards Category: Cash-Back Rewards, Balance Transfers
- Annual Fee: $0
- Welcome Bonus: 0% on Purchases and Balance Transfers for the first 15 months
- Normal APR: 16.74% – 25.49% variable
Helpful Features
- Earn unlimited 1.5% cash back on every dollar spent.
Drawbacks
- If you maintain a balance, the 25.49% interest will not be fun.
Blue Cash Preferred® Card from American Express

- earn $250 statement credit after spending $1,000 in the first 3 months
- Learn More >>
Here’s the money you’ll be adding to your pocket:
6% cash back on select streaming subscriptions, 3% cash back at gas stations and on transit in the U.S., and unlimited 1% cash back on everything else.
You will also get $250, thats right, $250 in statement credit after you spend $1,000 in the first 3 months!
- Rewards Category: Cash Back Rewards
- Annual Fee: $95
- Welcome Bonus: $250 after you spend your first $1,000, plus 0% Introductory APR on purchases and balance transfers in the first 12 months.
- Normal APR: 14.74% to 25.74%
Helpful Features
- Stellar fraud protection means your score won’t go down because of identity theft.
Drawbacks
- There are bigger cash bonuses out there, but the small spending requirement is nice.
Capital One® Quicksilver® Cash Rewards Credit Card

- 1.5% cashback, no annual fee
- Learn More >>
You can also plan on making some of your necessary purchases, such as groceries, gas or utilities in the first 3 months and once you spend $500, which what family cant, you will get $150 cash bonus!
- Rewards Category: Cash Back Rewards, Balance Transfers
- Annual Fee: $0
- Welcome Bonus: 0% on Purchases and Balance Transfers for the first 15 months. You’ll also enjoy a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months
- Normal APR: 15.74% – 25.74% variable
Helpful Features
- With the Capital One Quicksilver Cash Rewards Card, there will never be a need to enroll in rotating reward categories. Earn cash back on it all – 365 days of the year. Your rewards never expires for the life of the account, and there’s no limit to how much you can earn. Are you seeing dollar signs yet?
Drawbacks
- Though this card has a 0% foreign transaction fee, we’d love to see it be a little more robust in the travel department by rewarding hotels or airfare. No matter what, 1.5% unlimited cash back is always a great perk to have, especially with a credit card for FICO scores of 700-749.
David Weliver
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