What Are the Best Credit Cards for a 700 Credit Score?

Credit cards are a great way to build credit and earn rewards. If you have a credit score of 700, you are in a good position to apply for credit cards that offer great benefits. In this article, we will discuss the best credit cards for a 700 credit score.

Cash Back Credit Cards

Cash back credit cards are a great way to earn rewards for everyday purchases. If you are looking for a card that offerscash back rewards, consider the Chase Freedom Unlimited. This card offers 1.5% cash back on all purchases, with no annual fee. Another great option is the Citi Double Cash Card, which offers 2% cash back on all purchases – 1% when you make a purchase and 1% when you pay for that purchase. The card has no annual fee.

Travel Credit Cards

If you love to travel, consider applying for a travel credit card. The Chase Sapphire Preferred is a great option for those with a 700 credit score. It offers 2x points on travel and dining, and 1x points on all other purchases. Points can be redeemed for travel, cash back, or gift cards. The card has an annual fee of $95, but the rewards can make up for it.

Balance Transfer Credit Cards

If you have high-interest credit card debt, a balance transfer credit card can help you save money on interest charges. The Discover it Balance Transfer card offers 0% APR on balance transfers for 18 months, with no annual fee. The card also offers cash back rewards on purchases.

Credit Card Tips

When applying for a credit card, it is important to do your research. Look for cards that offer rewards that fit your spending habits. Make sure to read the terms and conditions carefully, and understand any fees associated with the card, such as annual fees or balance transfer fees.

To maximize your rewards, use your credit card for everyday purchases, but make sure to pay your balance in full each month. Carrying a balance can result in high interest charges, which can quickly negate any rewards you earn.

To avoid credit card debt, create a budget and stick to it. Only use your credit card for purchases that you can afford to pay off each month. If you do find yourself in credit card debt, consider a balance transfer card or a debt consolidation loan to help you pay off your debt faster.

Finally, make sure to monitor your credit score regularly. A good credit score can help you qualify for better credit cards with higher rewards and lower interest rates. By following these tips, you can make the most out of your credit card and improve your financial future.