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

Summary:This article explores the top credit card options for individuals with a 700 credit score, including the Chase Sapphire Preferred Card, Capital One Venture Rewards Credit Card, Discover it Cash Back, Citi Double Cash Card, and American Express Blue Cash Preferred Card. Tips for responsible credit card usage and maximizing rewards are also discussed.

As someone with a 700 credit score, you may be wondering which credit cards are the best fit for your financial situation. With so many options available, it can be overwhelming to choose the right one. In this article, we will explore the top credit cards for individuals with a 700 credit score.

1. Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is an excellent choice for those with a 700 credit score. This card offers a generous sign-up bonus, with the opportunity to earn 100,000 bonus points after spending $4,000 in the first three months of account opening. Additionally, cardholders earn 2x points on travel and dining purchases and 1x point on all other purchases. This card also offers valuable travel perks, including trip cancellation/interruption insurance and primary rental car insurance.

2. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is another great option for those with a 700 credit score. This card offers a sign-up bonus of 60,000 miles after spending $3,000 in the first three months of account opening. Cardholders earn 2x miles on every purchase and can redeem their miles for travel or transfer them to one of Capital One's airline or hotel partners. This card also offers a statement credit for Global Entry or TSA PreCheck application fees.

3. Discover it Cash Back

If you're looking for a cash back credit card, the Discover it Cash Back may be the right fit for you. This card offers 5% cash back on rotating categories each quarter, up to $1,500 in purchases, and 1% cash back on all other purchases. Discover will also match all the cash back earned in the first year of card membership. Additionally, this card has no annual fee and offers a free FICO credit score.

4. Citi Double Cash Card

The Citi Double Cash Card is a great option for those looking for a straightforward cash back card. This card offers 2% cash back on all purchases - 1% when you make the purchase and 1% when you pay it off. This card also has no annual fee and offers a 0% introductory APR on balance transfers for 18 months.

5. American Express Blue Cash Preferred Card

For those who frequently spend on groceries and gas, the American Express Blue Cash Preferred Card is a top choice. This card offers 6% cash back on up to $6,000 in grocery store purchases per year and 6% cash back on select U.S. streaming subscriptions. Additionally, cardholders earn 3% cash back on eligible transit and gas purchases and 1% cash back on all other purchases. This card also offers a generous welcome bonus and a 0% introductory APR on purchases and balance transfers for the first 12 months.

Investment Tips:

- Always pay your credit card bill on time to avoid late fees and negative impacts on your credit score.

- Consider your spending habits and choose a credit card that offers rewards in categories where you frequently spend.

- Take advantage of sign-up bonuses and introductory offers, but be sure to read the terms and conditions carefully.

- Use credit cards responsibly and avoid carrying a balance if possible to avoid accumulating debt and paying high interest fees.

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