Credit Cards People Get With a Credit Score in the 700 Range

If you're looking for credit cards people get with a credit score in the 700 range, real-world reports show that people with scores such as 700, 710, 720, 730, 740, 750, 760, 770, 780 and 790 can have very different results. Many people in this range report getting mainstream rewards cards with substantial credit limits, but a 700-range score does not guarantee approval. Some people with scores above 700 have still been denied because of a short credit history, too many recent applications, high debt or other issues with their credit profile. The examples below show what credit cards people have actually reported getting with 700-range credit scores, along with the circumstances surrounding their applications.

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What Credit Cards Are People Getting With Scores in the 700 Range?

A credit score in the 700 range generally gives consumers considerably more credit-card options than a score in the 500s or 600s. However, the real-world reports we found show that the number alone still doesn't tell the whole story.

Some people with 700-range scores have long, established credit histories and multiple existing accounts. Others have only one or two credit cards and relatively short histories. Some have high incomes and substantial existing credit limits, while others are students or people just beginning to build credit. Those differences can have a major effect on the cards they receive and the limits they are given.

700–715 Credit Score — Blue Cash Preferred^® Card, Gold and Platinum: One discussion about American Express approval scores included a consumer who reported being approved for the Blue Cash Preferred^® Card, American Express^® Gold Card and American Express Platinum Card^® cards with scores between approximately 700 and 725. The person was specifically responding to a question about what scores people had when they were approved for American Express cards. This provides several useful data points because the approvals included both a cash-back card and the higher-end Gold and Platinum products.

700 Credit Score — American Express Gold: Another consumer with a credit score around 700 to 715 was considering the American Express Gold Card after having a Bank of America card and a Discover card for only a few months. The person was young, had limited income and had a relatively short credit history. Other consumers responding pointed out that the score alone was not enough to determine whether the Gold Card would be a good fit, particularly because of the person's limited income and credit history. The discussion demonstrates that even with a 700-range score, the rest of the application matters.

700 Credit Score — American Express Gold With a Short Credit History: A separate consumer reported being approved for the American Express^® Gold Card with FICO and Experian scores in the low 700s. Their first credit accounts had been opened only about 11 months earlier, consisting of student loans and a Discover student card. They had subsequently opened a SoFi credit card and were primarily interested in the Gold Card because of its welcome offer. The approval is a useful example of someone receiving an American Express charge card with a relatively young credit history.

700 Credit Score — Citi Card With a $4,800 Starting Limit: A consumer discussing a Citi application said they had a credit score around 700 when they applied and were approved for a Citi credit card with a $4,800 starting limit. The person had an older credit history and was also an authorized user on their mother's Best Buy Citi card. They later reported receiving a credit-line increase to $5,800. The authorized-user relationship may have contributed to the strength of the overall credit profile, but the report still provides a real-world example of a 700-range applicant receiving a nearly $5,000 starting limit from Citi.

706–715 Credit Scores — Citi / AAdvantage Card: One consumer reported applying for a Citi / AAdvantage card with TransUnion at 706, Equifax at 715 and Experian at 688. The person specifically wanted the American Airlines card because they lived in an area where American Airlines was particularly useful to them. They had researched approval requirements and were concerned because their Experian score was below 700. Their report is useful because the three scores were not identical, yet they were still applying for a card generally associated with good credit.

700 Credit Score — Citi Approval After Previous Citi Problems: Another consumer reported being approved for a Citi AAdvantage card with an $8,500 starting limit at a 700 credit score, despite having previously charged off an $8,000 Citi account. The person also reported several recent inquiries and new accounts. The approval was therefore notable because the applicant had previously had a serious problem with Citi itself. It demonstrates that a 700 score can sometimes be enough for a substantial credit limit even when the applicant's history with an issuer isn't perfect.

700 Credit Score — American Express Blue Cash Everyday: A recent discussion involved a person with a 700 score, approximately one year of credit history, one existing card and a $2,000 credit limit who was considering applying for the Blue Cash Everyday^® Card. The discussion centered on whether the person's relatively limited credit history would be sufficient. This is a useful example of someone entering the 700 range but still having a profile that is much thinner than that of a long-established cardholder.

730 Credit Score — TD Secured Card and a Very Thin File: One consumer reported having a 730 FICO score but only one credit card, a $500 TD secured card opened seven months earlier. The person's income was relatively low, and they were looking for another card to continue building credit. Despite the 730 score, their credit history was extremely short. This is an important example because it shows why a 730 score doesn't necessarily mean an applicant has a deep or mature credit profile.

730–740 Credit Score — Capital One SavorOne: One consumer reported having a 740 score and a Capital One card with a $3,600 limit while considering an upgrade to a SavorOne card. The person had a relatively established account but was still comparing the different Capital One products. The discussion illustrates how consumers in the 700 range may move from basic cards into more rewarding products as their credit improves.

740 Credit Score — American Express Hilton Approval: In an American Express approval discussion, one consumer reported being approved for a Hilton Honors card with a 740 FICO score. They described having great credit, low debt-to-income, low utilization and no recent inquiries. The application was initially held for a decision, but the person subsequently reported an instant approval. This is a more traditional example of what many people think of when they picture a strong 700-range credit profile: established credit, low utilization and relatively few recent applications.

750+ Credit Score — Discover Denial Despite a Strong Score: One consumer reported having a credit score around 760 and being denied for a Discover card despite believing their credit profile was strong. They had previously been pre-qualified but were denied after the actual application. The consumer was frustrated because they believed the score should have been sufficient. The report demonstrates that even a score well into the 700s does not guarantee approval for a particular card.

760–781 Credit Scores — Chase, Discover and American Express Approvals: Another consumer reported applying for Chase, Discover and American Express cards around the same time with scores ranging from approximately 759 to 781 and being approved for all three. The person had already established credit and was looking to add additional cards. Their experience is a sharp contrast with people who have similar scores but much shorter credit histories or other problems.

780 Credit Score — Multiple Rewards Cards: A consumer with a 780 score reported already having several cards, including Bank of America, Wells Fargo, Bilt and other accounts. Their income was approximately $86,000 and they were considering adding an American Express Blue Business Plus and eventually an American Express Gold Card. This is not an example of a first-time applicant. Instead, it shows what a much more established 700-range profile can look like, with multiple accounts, substantial spending and a relatively high score.

790 Credit Score — Large Existing Credit Profile: Another consumer reported a 790 score while already holding numerous cards, including US Bank, American Express, Discover, Chase, Bank of America, Citi and other accounts. Their reported utilization was 15% or less on all cards. They were looking at additional cards even though they already had a broad collection of rewards products. This is an example of someone at the very high end of the 700 range whose credit profile is substantially different from someone who has just reached 700 with one card.

700+ Credit Score — Denied Because of No Revolving Credit History: One of the most useful denial stories involved a consumer with a credit score above 700, an income over $100,000 and no negative credit history. Despite that, they were denied for both the American Express Blue Cash Preferred and the Amazon Prime Visa. When they called for reconsideration, they were told that the lack of existing revolving accounts was the problem. The person had recently bought a home and wanted credit cards for upcoming purchases. They eventually applied for a Wells Fargo card through their existing banking relationship and reported receiving a $15,000 limit. This is an excellent example of why a 700+ score doesn't automatically mean an approval.

712 Credit Score — Citi Custom Cash Denial, Then Capital One Approval: Another consumer had a 712 FICO score, an eight-month-old credit history and a Discover student card with a $2,800 limit. They wanted a second card specifically for groceries and applied for Citi Custom Cash, but were denied. They had also previously been denied for an REI card. After receiving suggestions to try Capital One, they applied for SavorOne and reported being approved. This is a particularly useful example because the consumer had a score above 700, no late payments and a clean history, yet still encountered denials because the credit history itself was relatively young.

700+ Credit Score — Multiple Denials With Seven Recent Inquiries: Another consumer reported a 700-plus score and less than 16% utilization but said several credit-card applications had been denied. The person was a college student with limited income and seven hard inquiries according to the information they provided. They reported denials from Chase, Citi, Wells Fargo and other issuers. Other participants pointed out that the number of recent inquiries and the applicant's overall profile could be more important than the score shown by a credit-monitoring service. This is another example of a 700-range score not being enough by itself.

These reports cover a wide range of applicants. Some had scores barely above 700 and very little credit history. Others had scores approaching 800 and extensive histories with numerous accounts. There are also clear examples of both approvals and denials.

That is why we aren't trying to create a rule saying that someone with a 710 gets one group of cards, someone with a 720 gets another group and someone with a 730 automatically qualifies for something else. The actual reports don't support that kind of rigid cutoff.

Why Can Someone With a 700-Range Score Get Approved While Someone Else Is Denied?

Once someone reaches the 700 range, it can be tempting to think that credit-card approvals become automatic. The real-world reports show that isn't the case.

The difference is often the quality and depth of the credit profile behind the score.

For example, a person with a 730 score may have only one credit card that has been open for seven months. Another person with a 730 score may have ten years of revolving-credit history, several cards with large limits and a long record of paying everything on time.

Those two people have the same general score range, but an issuer doesn't necessarily see them as the same applicant.

The denial reports make this particularly obvious. One person with more than 700 and an income over $100,000 was denied by American Express and Chase because they had no established revolving credit history. Another person with a 712 score and a short credit history was denied by Citi but approved by Capital One.

Recent applications can also matter. One consumer with a 700-plus score reported seven hard inquiries while trying to obtain another card and was repeatedly denied. The score itself wasn't the obvious problem.

A 700 score can therefore be the beginning of a strong credit profile or simply a high score sitting on a very young credit file.

The same principle applies to credit limits. The reports we found include starting limits of several thousand dollars, while other 700-range applicants were working with relatively small existing limits. One consumer with a 700 score reported a $4,800 Citi starting limit. Another with a 700 score reported an $8,500 Citi approval despite previous problems with the bank. At the other end, some people with 700-plus scores were still trying to obtain their second credit card.

There is also a difference between a score that has been built through years of positive credit history and a score that has been boosted by a small number of accounts or authorized-user history.

This is why the question isn't simply whether a 700 credit score is good enough for a credit card. The more useful question is what kind of credit profile is producing that 700 score.

Someone with a 700 score and a clean, established history may have access to cards that someone with a 700 score and a six-month-old credit file does not. Someone with a 780 score and multiple recent applications may also have a different result from someone with a 740 score and a long, stable credit history.

The real-world examples show that even as credit scores move into the very good part of the range, approval decisions remain individual decisions.

What Credit Cards Can You Get With a Credit Score in the 700 Range?

If your credit score is in the 700 range, you may have access to a much broader selection of credit cards than someone rebuilding from a score in the 500s or 600s. The reports in this article include cash-back cards, travel cards, balance-transfer cards, airline cards and premium rewards cards.

However, the examples also show why it doesn't make sense to choose a card based solely on the number attached to your credit score. Someone with a 700 score and a short credit history may have fewer choices than someone with a 700 score and ten years of established revolving credit.

Depending on your particular credit profile, you may find cards from issuers such as Citi, Chase, American Express, Discover and Capital One worth considering. Some consumers in this range have reported getting cards with relatively modest starting limits, while others have received much larger credit lines.

We have several cards available for people with good to excellent credit, including cards from Citi, American Express and Chase. If one of the cards mentioned in this article interests you, you can learn more about it before deciding whether to apply.

The important thing is not to assume that a 700, 720 or 750 score guarantees approval. The real-world reports show that the rest of your credit profile can make a substantial difference.

If you aren't sure which cards may be available based on your current credit situation, you can also use our Credit Card Wizard below to see what options may be available.

The people featured in this article had scores throughout the 700 range, but their experiences were anything but identical. Some had one credit card and a short history. Others had numerous accounts and years of excellent credit. Some were approved for thousands of dollars in new credit, while others were denied despite having scores well above 700.

That's why we don't consider 700 to be a magic approval number. A 700-range credit score can open the door to many more credit-card possibilities, but the rest of your credit profile still matters.

The real-world reports show that people with scores from 700 through the high 700s have obtained a wide variety of credit cards. They also show that even excellent credit scores don't guarantee approval for every card. Your individual credit history, existing accounts and overall financial profile can make the difference.