Top Credit Cards for Credit Scores 700-749 | Millennial Money

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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 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 Sapphire Preferred®
• Chase Freedom Unlimited®
• Capital One® SavorOne® Cash Rewards
• Wells Fargo Propel American Express®
• The Platinum Card® from American Express
• Chase Freedom Flex ^SM
• Blue Cash Preferred® from American Express
• Capital One® Quicksilver® Cash Rewards

Chase Sapphire Preferred®

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.

Earn 2X points on every dollar spent on travel and dining at restaurants; unlimited 1X points on every dollar spent on other purchases. A few months of this, and boom – You’ll be in the “excellent” club in no time.

For those going abroad there’s no foreign transaction fee.

• 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 two roundtrip flights!)

Drawbacks: It’d be nice for this card to offer a 0% intro APR, but the $750 bonus helps make up for it.

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 $200 bonus after you spend $500 on purchases in the first 3 months of opening your account, plus, earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Who doesn’t like free money?

You’ll earn: 5% on travel purchased through Chase Ultimate Rewards; 3% on dining at restaurants and eligible delivery services; 3% on drugstore purchases and unlimited 1.5% cash back on every other dollar spent.

• Rewards Category: Cash-Back Rewards
• Annual Fee: $0
• Welcome Bonus: $200 bonus after you spend $500 on purchases in the first 3 months of opening your account

Drawbacks: If you maintain a balance, the higher interest rate will not be fun.

Capital One® SavorOne® Cash Rewards Credit Card

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 and 2% cash back at grocery stores. 1% cash back on all other purchases.

Plus, there’s no foreign transaction fee.

• Rewards Category: Cash Back
• Annual Fee: $0
• Welcome Bonus: $200 cash bonus on your first $500 spent in the first 3 months.

Drawbacks: If you forget to pay off your balance, this card’s interest rate of up to 25.49% is pretty steep!

Wells Fargo Propel American Express®

The Wells Fargo Propel American Express card is definitely worth looking into when you have a 700-749 credit score.

Earn 3X points on restaurants and food delivery, travel, transportation, and streaming services. This is almost unheard of!

Check out these stats:

• Rewards Category: Balance Transfer, Cash Back
• Annual Fee: $0
• Welcome Bonus: 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.

Drawbacks: This card’s cash back rewards are great for traveling foodies, but not for an all-around cash back rewards card.

The Platinum Card® from American Express

If you have good credit and want to learn about travel rewards, 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 up to $15 plus Centurion Lounge access to give you the VIP layover experience you’ve always wanted. Did we mention this is in over 1,200 airports worldwide?

Earn 5X points on flights & hotels booked through airlines or amextravel.com.

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.

Drawbacks: One of the few cards on our list with an annual fee at $550, which is pretty hefty.

Chase Freedom Flex^SM

The Chase Freedom Flex^SM card is new from Chase and a spin off of the old Chase Freedom card, one of our most favorite credit cards for 700 credit scores and higher.

You will also get a nice $200 bonus after you spend $500 on purchases in the first 3 months of opening your account, plus, earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. Who doesn’t like free money?

Similar to the Chase Freedom Unlimited credit card, you’ll earn: 5% on travel purchased through Chase Ultimate Rewards; 3% on dining at restaurants and eligible delivery services; 3% on drugstore purchases.

You’ll also earn unlimited 1% cash back and 5% on rotating categories each quarter.

Zero liability protection + fraud protection protects your credit score from unlawful, fraudulent charges. Your score will never suffer because of identity theft!

• Rewards Category: Cash Back
• Annual Fee: $0
• Welcome Bonus: $200 cash back bonus after spending $500 in your first 3 months.

Drawbacks: The 5% rotating cash back categories can be too much to keep up with for some.

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 U.S. streaming subscriptions and U.S. supermarkets (up to $6,000 then 1% thereafter), 3% cash back at U.S. gas stations and on transit, and unlimited 1% cash back on everything else.

You will also get $250, that’s right, $250 in statement credit after you spend $1,000 in the first 3 months!

This card comes with stellar fraud protection means your score won’t go down because of identity theft.

• Rewards Category: Cash Back Rewards
• Annual Fee: $95
• Welcome Bonus: $250 after you spend your first $1,000 within the first 3 months

Drawbacks: There are bigger cash bonuses out there, but the small spending requirement is nice.

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.

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?

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 $200 cash bonus!

• Rewards Category: Cash Back Rewards, Balance Transfers
• Annual Fee: $0
• Welcome Bonus: Enjoy a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months

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.

Additional Disclosures: Millennial Money has partnered with CardRatings and creditcards.com for our coverage of credit card products. Millennial Money, CardRatings and creditcards.com may receive a commission from card issuers. This site does not include all financial companies or financial offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.