Best Credit Cards if You Have a 700 Credit Score in 2026
A 700 credit score puts you in "good" territory — not perfect, but good enough to qualify for some seriously solid rewards cards. The question is: which cards give you the best approval odds and the best value at exactly this score range? Here's your 2026 guide.
What a 700 Credit Score Gets You
With a 700 score you're past the "fair credit" zone and into "good credit." That means:
- Approval odds are strong for most mid-tier rewards cards
- You won't qualify for the most exclusive premium cards yet (those want 740+)
- APRs will be reasonable but not the lowest available
- You have real options — secured cards are no longer necessary
Best Credit Cards for a 700 Credit Score in 2026
1. Chase Freedom Unlimited® — Best Overall
One of the most accessible rewards cards for good credit. Earns 1.5% cash back on everything with no annual fee. Chase typically approves applicants in the 670-700+ range for this card.
- Rewards: 1.5% on all purchases, 5% on Chase Travel
- Annual fee: $0
- Best for: Building rewards history while improving your score
2. Capital One Quicksilver — Best Simple Cash Back
Capital One is known for approving applicants with scores around 700. The Quicksilver earns 1.5% cash back on everything with no annual fee and no foreign transaction fees.
- Rewards: 1.5% unlimited cash back on all purchases
- Annual fee: $0
- Best for: People who want simplicity and solid approval odds
3. Discover it® Cash Back — Best for Rotating Rewards
Discover is one of the most accessible issuers for good credit scores. The Discover it earns 5% on rotating quarterly categories and matches all cash back earned in your first year.
- Rewards: 5% on rotating categories (up to $1,500/quarter), 1% on everything else
- Annual fee: $0
- Best for: Maximizing rewards while building toward excellent credit
4. Citi Double Cash® — Best Flat Rate
Earns 2% cash back on everything — 1% when you buy, 1% when you pay. Citi approves this card for scores in the 700 range and it's one of the best flat-rate cards available at any credit level.
- Rewards: 2% cash back on all purchases
- Annual fee: $0
- Best for: People who want maximum simplicity with strong returns
5. Wells Fargo Active Cash® — Best Welcome Bonus
Earns 2% cash back on all purchases and offers a solid welcome bonus for new cardholders. Wells Fargo typically approves applicants with scores around 700 for this card.
- Rewards: 2% unlimited cash back on all purchases
- Annual fee: $0
- Best for: People who want a strong welcome bonus alongside flat-rate rewards
How to Move from 700 to 750+ Fast
- Keep utilization below 10% — If your limit is $5,000, keep your balance under $500
- Never miss a payment — Set up autopay for at least the minimum
- Don't apply for multiple cards at once — Each application is a hard inquiry that temporarily drops your score
- Ask for a credit limit increase — After 6 months of on-time payments, request a higher limit to lower your utilization ratio
Which Card Should You Choose at 700?
- Want simplicity → Capital One Quicksilver or Wells Fargo Active Cash
- Want to maximize rewards → Discover it Cash Back
- Want to stay in the Chase ecosystem → Chase Freedom Unlimited
- Want the best flat rate → Citi Double Cash
Bottom Line
A 700 credit score gives you access to genuinely good rewards cards — not just credit-builder products. Pick one, use it responsibly, and in 12-18 months you'll be in excellent credit territory with even better options available.
Want to understand how credit scores work in detail? Check out our guide on What Is a Credit Score and How Is It Calculated.