Best Credit Cards If Your Credit Score Is Between 700 & 749

If your credit score is between 700-749, you’re in luck.

Though having an excellent credit score of 750 or higher will earn you the best 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’ll be charged a little extra interest.

That said – 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 credit 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

The Chase Freedom card is one of our most favorite credit cards for 700 credit scores and higher.

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%

Chase Sapphire Preferred Card

Seasoned and beginner travelers rejoice! This card remains a favorite travel credit card across the board, and it’s especially great because all of its jam-packed value and bonus perks are available to people with good credit scores.

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 cash back 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.com, this equates to $750 in travel rewards, easily a roundtrip flight!)
• Normal APR: 17.99%–24.99%

Capital One® SavorOne® Cash Rewards Credit Card

Here’s another great 0% APR card for when you have a big purchase coming up, or a large balance to pay off in order to improve your credit.

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%

Wells Fargo Propel American Express®

Taking advantage of this card’s 0% Introductory APR on Purchases and Balance Transfers for 12 months can help you pay off large balances and improve your score even 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%

The Platinum Card® from American Express

If you have good credit and want to learn about travel hacking, may we suggest the Platinum Card from American Express?

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

Chase Freedom Unlimited

Enjoy complimentary credit score updates every week, while checking your score at any time without penalty when you are approved for a Chase Freedom Unlimited credit card.

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%

Blue Cash Preferred® Card from American Express

Be rewarded for your everyday spending with the Blue Cash Preferred Card from American Express.

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%

Capital One® Quicksilver® Cash Rewards Credit Card

Unlimited 1.5% cash back on every purchase helps preserve your savings for paying down debt because you can spend your cash back reward points on the fun stuff like travel without going deeper into debt.

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%