Maximize Your Rewards: Best Credit Cards for 700 Credit Scores

When it comes to managing your credit, having a 700 credit score opens doors to a wide variety of financial products, especially credit cards. With a score in this range, you’re considered a responsible borrower, which means you have access to some of the best credit cards available. Whether you’re looking to earn rewards, get cash back, or benefit from low interest rates, there are plenty of options that can help you maximize your rewards.

In this article, we’ll guide you through some of the best credit cards for 700 credit scores, detailing their benefits, how to make the most of them, and why they’re a great fit for someone in your credit range.

Why a 700 Credit Score Matters for Credit Cards

A 700 credit score is a milestone that places you in the “good” credit range. With this score, you are eligible for a variety of rewards and benefits that can make a real difference in your financial life. Lenders view those with a 700 credit score as low-risk borrowers, making it easier for you to get approved for credit cards with more favorable terms.

Credit cards designed for those with a 700 score typically come with better interest rates, higher credit limits, and attractive reward programs. These cards are ideal for people who want to take advantage of rewards like cash back, travel points, or other incentives, while still maintaining a low interest rate on their purchases.

Top Benefits of Credit Cards for 700 Credit Scores

Owning one of the best credit cards for a 700 credit score comes with several benefits. Here are a few key advantages:

• Lower Interest Rates: Credit cards for those with a 700 score typically offer lower APRs, meaning you’ll pay less in interest if you carry a balance from month to month.
• Better Rewards: From cashback to travel rewards, you can maximize your spending with cards that offer more generous rewards programs.
• Higher Credit Limits: With a good credit score, you’re more likely to receive a higher credit limit, which can give you more flexibility in managing your finances.
• Sign-up Bonuses: Many credit cards offer attractive sign-up bonuses that can be redeemed for cash, gift cards, or travel credits.
• Exclusive Perks: Premium cards often come with perks like access to airport lounges, concierge services, and extended warranties on purchases.

With these benefits in mind, let’s explore some of the best credit cards for 700 credit scores that can help you maximize your rewards.

Best Credit Cards for 700 Credit Scores in 2025

1. Chase Freedom Unlimited® Card

The Chase Freedom Unlimited® Card is one of the best credit cards for 700 credit scores. It offers a wide range of rewards that are perfect for everyday spenders.

• Rewards: 1.5% cash back on every purchase, plus 5% on travel purchased through Chase Ultimate Rewards® and 3% on dining and drugstore purchases.
• Sign-Up Bonus: Earn a $200 bonus after spending $500 on purchases in the first 3 months.
• APR: 14.99% – 23.74% variable APR.

This card is great for those who want to earn rewards across a broad spectrum of purchases. Plus, it doesn’t have an annual fee, making it a low-cost option for maximizing rewards.

2. Citi Double Cash Card

The Citi Double Cash Card is a fantastic choice for individuals with a 700 credit score who want simplicity with their rewards. This card gives you:

• Rewards: 2% cash back on every purchase—1% when you buy, and an additional 1% when you pay your bill.
• Sign-Up Bonus: No bonus, but the ongoing cash-back rewards make it a great card for long-term use.
• APR: 15.24% – 25.24% variable APR.

With its straightforward cash-back program, the Citi Double Cash Card is an excellent way to earn rewards without worrying about rotating categories or complicated rules.

3. Capital One QuicksilverOne Cash Rewards Credit Card

If you’re looking for a card that’s ideal for both new and experienced cardholders, the Capital One QuicksilverOne Cash Rewards Credit Card is a solid choice for those with a 700 credit score.

• Rewards: 1.5% cash back on every purchase.
• Sign-Up Bonus: No sign-up bonus.
• APR: 26.99% variable APR.

While the APR might seem a bit high, it’s a good option for those who are just starting out with credit or want a simple cash-back card that earns rewards on every purchase.

4. American Express® Gold Card

The American Express® Gold Card is perfect for foodies and travel enthusiasts. It offers substantial rewards on dining and travel-related purchases, which makes it one of the best credit cards for 700 credit scores looking to maximize rewards in these categories.

• Rewards: 4x points at restaurants, including takeout and delivery, 3x points on flights booked directly with airlines or on amextravel.com, and 1x point on all other purchases.
• Sign-Up Bonus: 60,000 Membership Rewards® points after spending $4,000 in the first 6 months.
• APR: 20.24% – 27.24% variable APR.

While this card comes with a $250 annual fee, the rewards and benefits can easily outweigh the cost for those who eat out often or travel frequently.

5. Wells Fargo Active Cash® Card

Another great option for those with a 700 credit score is the Wells Fargo Active Cash® Card. It offers:

• Rewards: 2% cash back on all purchases.
• Sign-Up Bonus: $200 cash rewards after spending $1,000 in the first 3 months.
• APR: 19.99% – 27.99% variable APR.

With no annual fee and an impressive cash-back rate, this card is a solid choice for those who want to earn rewards without the complexity of rotating categories.

How to Maximize Your Rewards with a 700 Credit Score

To get the most out of your credit card, consider these tips:

1. Pay Your Balance in Full: Avoid paying interest by paying off your balance each month.
2. Understand Your Card’s Benefits: Learn about bonus categories, sign-up bonuses, and redemption options.
3. Take Advantage of Perks: Use travel credits, purchase protections, and other perks offered by your card.
4. Track Your Spending: Keep an eye on your spending patterns to see where you can earn the most rewards.

By using these strategies, you can maximize your rewards and take full advantage of the best credit cards for 700 credit scores.

Conclusion

Having a credit score of 700 gives you access to some of the best credit cards on the market, which can help you earn valuable rewards. Whether you’re looking for cash back, travel points, or exclusive perks, there are options available that suit your needs. Make sure to choose a card that aligns with your spending habits and pay your balance in full each month to maximize your rewards.

Maximize your rewards today by applying for the best credit cards for 700 credit scores. Find the perfect card to suit your needs and start earning valuable benefits now!