Best Credit Cards for Credit Scores of 700 to 749

More than 50% of the population has a credit score over 700. The average FICO score is 716. If you find yourself in this category, you have a wealth of options like access to some of the best credit cards. 

Rewards are one of America’s favorite credit card features. If you’re going to spend the money anyway, you might as well get cash back, points, or miles, right? Definitely. So here’s our list of the best credit cards for credit scores of 700 to 749.

List of the Best Credit Cards for Good Credit (Score of 700 to 749)

Chase Freedom Unlimited®

Chase Freedom Unlimited

Our Rating: 4.9

★★★★

Chase Freedom Unlimited®

Welcome Offer

Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year)

Est. Value

$200

Annual Fee

$0

APR

20.49% – 29.24% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5% cash back on travel purchases through Chase (after your first year or $20,000 spent). 3% cash back on dining and drugstore purchases. 1.5% cash back on other purchases.

The Chase Freedom Unlimited® offers cash back and no annual fee. The card features up to 5% cash back, 0% intro APR on purchases and balance transfers for 15 months, and an excellent welcome offer. It’s one of our favorite cash back cards and could easily serve as the only card you carry. You also get a nice suite of benefits such as trip cancellation/trip interruption insurance and auto rental collision damage waiver.

1.5% cash back
On all other eligible purchases
Earn 1.5% cash back on all other purchases
3% cash back
Drugstores
Earn 3% on drugstore purchases
3% cash back
Dining
Earn 3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Travel
5% cash back on all travel purchased through Chase Travel(SM)

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved03/20/2023
785
Experian
$5,000
Approved07/18/2023
765
Experian
$12,500
Approved07/18/2023
773
TransUnion
$12,500
Approved07/18/2023
785
Equifax
$12,500
Approved09/06/2023
754
Experian
$9,000
Approved09/08/2023
740
Equifax
$15,000
Denied09/05/2023
738
Experian
---
Denied09/05/2023
740
Equifax
---
Denied09/05/2023
750
TransUnion
---

Tip: This card earns Chase Ultimate Rewards, so you can pair it with the Chase Sapphire Preferred® Card and earn a 25% bonus when you redeem points for travel through Chase.

Blue Cash Everyday® Card from American Express

Our Rating: 4.4

★★★★

Blue Cash Everyday® Card from American Express

Welcome Offer (Terms Apply)

Earn a $200 statement credit

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.99% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (up to $6,000 per year for each category, then 1%). 1% cash back on other purchases.

The Blue Cash Everyday® Card from American Express offers elevated cash back on many everyday purchases like groceries and gas. There’s a 0% intro APR offer for 15 months on purchases and balance transfers, then a variable rate, 19.24% - 29.99%. Plus, there’s a decent welcome offer and no annual fee. It’s as the name suggests, for everyday use.

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases.
3% cash back
U.S. supermarkets
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% cash back
Select Categories
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% cash back
Gas
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.

Pros

  • Welcome offer
  • Up to 3% cash back
  • $0 annual fee

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2023
727
Experian
$2,000
Approved09/24/2023
730
Experian
$2,000
Approved09/24/2023
735
Equifax
$2,000
Approved09/24/2023
790
TransUnion
$2,000
Approved05/21/2023
665
Experian
$5,000
Approved07/20/2023
770
Equifax
$6,000
Approved07/20/2023
772
Experian
$6,000
Approved07/20/2023
780
TransUnion
$6,000
Approved06/15/2023
730
Not Provided
$10,000

Blue Cash Preferred® Card from American Express

American Express Blue Cash Preferred

Our Rating: 4.5

★★★★

Blue Cash Preferred® Card from American Express

Welcome Offer (Terms Apply)

Earn a $250 statement credit

Est. Value

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

19.24% – 29.99% Variable

Credit Req’d

Good, Excellent

Rewards: Earn 6% cash back on select U.S. streaming services and on groceries up to $6,000 per year at U.S. supermarkets, then 1%. 3% cash back at U.S. gas stations and transit. 1% cash back on other purchases.

The Blue Cash Preferred® Card from American Express is a step up from the Blue Cash Everyday. It’s great for families that buy in bulk or people that are on the road often. You can also get great cash back on transit purchases. Rideshare, trains, buses, taxis, parking, and tolls are also included. You can get 6% cash back on groceries, up to $6,000 a year. After that, you can always switch to a different card. The annual fee is waived for the first year, and there’s a 0% intro APR offer for 12 months on purchases and balance transfers from the date of account opening, then a variable rate, 19.24% - 29.99%. All of this adds up to a great card for everyday purchases.

1% cash back
On all other eligible purchases
1% cash back on all other eligible purchases
3% cash back
Gas
3% cash back at U.S. gas stations
3% cash back
Transit
3% cash back on transit, such as taxis, rideshare, parking, tolls, trains and buses
6% cash back
U.S. supermarkets
6% cash back on groceries up to $6,000 per year in purchases at U.S. supermarkets, then 1%
6% cash back
Streaming services
6% cash back on select U.S. streaming subscriptions

Pros

  • Welcome offer
  • Up to 6% cash back

Cons

  • Annual fee
  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved01/19/2023
825
Not Provided
$6,000
Approved05/04/2023
738
Experian
$20,000
Approved05/04/2023
748
TransUnion
$20,000
Approved05/04/2023
755
Equifax
$20,000

Capital One SavorOne Cash Rewards for Good Credit 

Capital One SavorOne Cash Rewards for Good Credit

Our Rating: 4.3

★★★★

Capital One SavorOne Cash Rewards for Good Credit

Welcome Offer (Terms Apply)

Earn unlimited 3% cash back

Est. Value

None

Annual Fee

$0

APR

30.74% Variable

Credit Req’d

Good

Rewards: Earn 10% cash back on Uber & Uber Eats purchases through 11/14/2024, 8% cash back on Capital One Entertainment, 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on entertainment, dining, select streaming services, and grocery stores (excluding superstores). Earn 1% cash back on other purchases.

The Capital One SavorOne Cash Rewards for Good Credit offers elevated cash back on several everyday purchases and there’s no annual fee. There are also no foreign transaction fees so it’s a great card for traveling. It’s perfect if you are hovering just underneath a credit score of 700. You get all the rewards and benefits of the Capital One SavorOne Cash Rewards Credit Card, except for the 0% intro APR offer and a welcome offer. If you apply for the SavorOne but your credit score isn’t quite high enough, Capital One may approve you for this card instead.

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores (excluding superstores like Walmart® and Target®)
3% cash back
Streaming services
Earn unlimited 3% cash back on popular streaming services
3% cash back
Dining
Earn unlimited 3% cash back on dining
3% cash back
Entertainment
Earn unlimited 3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% Cash Back on Capital One Entertainment purchases.
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Pros

  • No annual fee
  • No foreign transaction fee
  • 3% cash back on everyday purchases including dining and grocery stores

Cons

  • No welcome bonus
  • High APR
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved05/12/2023
680
Not Provided
$3,000
Approved09/26/2023
680
Experian
$3,000
Denied05/06/2023
660
Not Provided
---

Capital One Venture Rewards Credit Card

Capital One Venture

Our Rating: 4.5

★★★★

Capital One Venture Rewards Credit Card

Welcome Offer (Terms Apply)

Enjoy a one-time bonus of 75,000 Miles

Est. Value

Up to $1,300

Annual Fee

$95

APR

19.99% – 29.99% Variable

Credit Req’d

Excellent, Good

Rewards: Earn 5x miles on hotels and rental cars booked through Capital One Travel and 2x miles on other purchases.

The Capital One Venture Rewards Credit Card is for travelers. You get unlimited 2x miles on all purchases and up to 5x miles when booking hotels and rental cars through Capital One Travel (2 miles per dollar otherwise). The card comes with a reasonable $95 annual fee. There’s also an excellent welcome offer and no foreign transaction fees. It’s a great card for everyday use and travel.

2x miles
All eligible purchases
2 Miles per dollar on every purchase, every day
5x miles
Hotels
5 Miles per dollar on hotels and rental cars booked through Capital One Travel

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5x miles

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved07/11/2023
691
Experian
$5,000

Capital One Quicksilver Cash Rewards for Good Credit 

Capital One Quicksilver Rewards for Good credit

Our Rating: 4.4

★★★★

Capital One Quicksilver Cash Rewards for Good Credit

Welcome Offer (Terms Apply)

Earn unlimited 1.5% cash back

Est. Value

None

Annual Fee

$0

APR

30.74% Variable

Credit Req’d

Good

Rewards: Earn unlimited 1.5% cash back on every purchase and 5% cash back on hotels and rental cards booked through Capital One Travel.

The Capital One Quicksilver Cash Rewards for Good Credit is similar to the Capital One SavorOne Cash Rewards for Good Credit, in that if you apply for the Capital One Quicksilver Cash Rewards Credit Card but don’t quite have the credit score needed, Capital One may approve you for this card instead. It’s a great card and you get all the benefits and rewards of the Quicksilver Cash, just no 0% introductory APR offer or welcome bonus. The card offers decent cash back rewards on every purchase. There’s no annual fee and no foreign transaction fees. It’s a good card for everyday use and travel.

1.5% cash back
All eligible purchases
Earn unlimited 1.5% cash back on every purchase, every day
5% cash back
Travel
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Pros

  • No annual fee
  • No foreign transaction fee
  • 1.5% cash back on all purchases

Cons

  • No welcome bonus
  • High APR
App StatusDateCredit ScoreBureauCredit Limit
Approved06/19/2023
657
TransUnion
$3,000
Approved06/19/2023
672
Experian
$3,000
Approved06/19/2023
695
Equifax
$3,000

The Platinum Card® from American Express 

Amex Platinum Card

Our Rating: 4.5

★★★★

The Platinum Card® from American Express

Welcome Offer

Earn 80,000 Membership Rewards® Points

Est. Value

Up to $1,600

Annual Fee

$695

APR

See Pay Over Time APR Variable

Credit Req’d

Good, Excellent

Rewards: When booking travel directly with American Express, cardholders will earn 5x membership reward points for every dollar spent.

The Platinum Card® from American Express signals status like few other credit cards. It does have a hefty fee, but you get a lot of excellent credits and benefits with this card. If you make use of even half of them, this card is worth it. You get a $200 airline fee credit, a $200 hotel credit, and a credit for select streaming services, plus a lot more. Cardmembers earn exclusive perks, high everyday rewards, and a massive upfront welcome offer.

1x points
On all other eligible purchases
1x on other purchases
5x points
Airfare
5x points on flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases each calendar year
5x points
Hotels
5x points on prepaid hotels booked on amextravel.com

Pros

  • Welcome offer
  • No foreign transaction fee
  • Excellent annual credits
  • Lounge access
  • Up to 5x points

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/28/2023
812
Equifax
---
Approved04/28/2023
820
TransUnion
---
Approved04/28/2023
825
Experian
---
Approved08/16/2023
698
Equifax
$25,000
Approved08/16/2023
709
Experian
$25,000
Approved08/16/2023
728
TransUnion
$25,000
Approved01/04/2023
696
Not Provided
---
Approved01/23/2023
675
Not Provided
$6,000

U.S. Bank Altitude® Connect Visa Signature® Card

U.S. Bank Altitude Connect Visa Signature

Our Rating: 4.8

★★★★

U.S. Bank Altitude® Connect Visa Signature® Card

Welcome Offer (Terms Apply)

50,000 bonus points

Est. Value

$500

Annual Fee

$0 intro annual fee for the first year, $95/year thereafter.

APR

21.24% – 29.24% Variable

Credit Req’d

Excellent 740 – 850

Rewards: Earn 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center. 4x points at gas stations, EV charging stations, and travel. 2x points on dining, streaming services, grocery stores, ad grocery delivery. 1x points on other purchases.

The U.S. Bank Altitude® Connect Visa Signature® Card features plenty of rewards and a generous welcome bonus. The annual fee is also waived for the first year. You’ll maximize your rewards using this card for travel. But it also offers excellent rewards for everyday purchases like gas, groceries, and dining. There’s an excellent welcome offer and no foreign transaction fees. It’s a great card for everyday use and travel.

1x points
On all other eligible purchases
1X point on all other eligible purchases.
2x points
U.S. supermarkets
2X points at grocery stores and grocery delivery.
2x points
Streaming services
2X points on streaming services.
2x points
Dining
2X points on dining.
4x points
Travel
4X points on travel.
4x points
Gas
4X points at gas stations and EV charging stations.
5x points
Hotels
5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
5x points
Rental Cars
5X points on prepaid car rentals booked directly in the Altitude Rewards Center.

Pros

  • Welcome offer
  • No foreign transaction fee

Cons

  • Annual fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved03/19/2022
680
Not Provided
$5,000
Approved07/06/2022
847
TransUnion
$20,000
Approved02/24/2022
791
Experian
$17,000
Approved04/03/2022
735
Experian
$2,000
Approved10/12/2022
800
TransUnion
$25,000
Approved04/04/2023
780
Not Provided
$13,000
Approved08/04/2022
812
TransUnion
$5,000
Approved09/22/2022
805
Experian
$10,000
Approved08/28/2022
800
TransUnion
$500
Approved12/09/2022
741
Experian
$2,000
Approved12/09/2022
769
Equifax
$2,000
Approved12/09/2022
774
TransUnion
$2,000
Approved08/06/2022
728
Experian
$2,000
Approved06/01/2022
699
Equifax
$600
Approved09/07/2022
815
TransUnion
$15,000
Approved06/28/2022
765
Not Provided
$9,500
Approved02/21/2022
785
Equifax
$2,000
Approved02/21/2022
786
Experian
$2,000

Wells Fargo Active Cash® Card

Wells Fargo Active Cash

Our Rating: 4.9

★★★★

Wells Fargo Active Cash® Card

Welcome Offer

Earn a $200 cash rewards bonus

Est. Value

$200

Annual Fee

$0

APR

20.24%, 25.24% or 29.99% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn unlimited 2% cash rewards on purchases.

The Wells Fargo Active Cash® Card offers a great combination of benefits that make it one of the top cards for everyday spending. You get unlimited 2% cash back on every purchase. You also get 0% intro APR on purchases and balance transfers for the first 15 months from account opening. But you’ll need to make balance transfers within 120 days from account opening to qualify for the intro APR. You can also get a small welcome bonus. This is also one of the few 2% cash back cards to offer cell phone protection.

2% cash back
All eligible purchases
Earn unlimited 2% cash rewards on purchases

Pros

  • Welcome offer
  • No annual fee
  • 2% cash back

Cons

  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved04/20/2023
810
Not Provided
$2,000
Approved09/02/2023
746
Experian
$6,000
Approved09/02/2023
774
Equifax
$6,000
Approved09/02/2023
786
TransUnion
$6,000
Approved06/03/2023
820
Equifax
$30,000
Approved02/18/2023
800
Not Provided
$20,000
Approved06/23/2023
700
Experian
$30,000
Approved04/14/2023
756
Experian
$13,000
Approved10/23/2023
745
Equifax
$12,000
Approved04/26/2023
743
Experian
$8,000
Approved04/26/2023
751
TransUnion
$8,000
Approved04/26/2023
765
Equifax
$8,000
Approved10/04/2023
721
Experian
$16,000
Approved09/24/2023
763
Experian
$15,000
Approved09/24/2023
784
TransUnion
$15,000
Approved09/24/2023
792
Equifax
$15,000
Denied04/01/2023
744
TransUnion
---
Denied04/01/2023
747
Experian
---
Denied04/01/2023
767
Equifax
---

Citi® Double Cash Card - 18 month BT offer

Citi Double Cash

Our Rating: 4.9

★★★★

Citi® Double Cash Card – 18 month BT offer

Welcome Offer

Earn $200 cash back

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

The Citi® Double Cash Card – 18 month BT offer is the card for you if you want a simple cash back structure you don’t have to think about. You get unlimited 2% cash back on every purchase. While it’s easy to use, it works a bit differently than other 2% cash back cards. You earn 1% cash back on all purchases, and 1% cash back again when you pay them off. Think of it as a reward for paying your card on time. There’s also 0% intro APR on balance transfers, so any debt you have from higher-interest cards is that much easier to pay off.

2% cash back
All eligible purchases
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Pros

  • No annual fee
  • Up to 2% cash back

Cons

  • No welcome bonus
  • Foreign transaction fee
  • Requires good credit
App StatusDateCredit ScoreBureauCredit Limit
Approved06/20/2023
803
Not Provided
---
Approved07/11/2023
667
Equifax
$3,000
Denied01/10/2023
737
Equifax
---

Citi Custom Cash® Card

Citi Custom Cash

Our Rating: 4.7

★★★★

Citi Custom Cash® Card

Welcome Offer

Earn $200 in cash back

Est. Value

$200

Annual Fee

$0

APR

19.24% – 29.24% Variable

Credit Req’d

Good 670 – 739, Excellent 740 – 850

Rewards: Earn 5% cash back in your top eligible spend category each billing cycle up to the first $500 spent, then 1%. Unlimited 1% cash back on other purchases.

The Citi Custom Cash® Card automatically figures out what category you spend the most money in every month and then gives you 5% cash back for that category. You don’t have to do anything–no enrollment, no signing up for a rotating category, nothing. You earn 5% cash back on up to $500 spent per billing cycle. It’s a great choice if you don’t want to deal with rotating categories. With the cap of $500 each month, you can get a max of $25 in rewards per month. Still, $25 a month is $300 a year. That’s not bad for a card with no annual fee. There’s also a 0% intro APR on purchases and balance transfers for the first 15 months.

1% cash back
On all other eligible purchases
Earn unlimited 1% cash back on all other purchases.
5% cash back
Select Categories
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back

Cons

  • High APR
  • Foreign transaction fee
App StatusDateCredit ScoreBureauCredit Limit
Approved02/06/2023
748
Experian
$3,800
Approved02/06/2023
759
TransUnion
$3,800
Approved02/06/2023
761
Equifax
$3,800
Approved10/04/2023
784
Experian
$5,300
Approved10/04/2023
801
TransUnion
$5,300
Approved10/04/2023
811
Equifax
$5,300
Approved09/13/2023
800
Not Provided
$11,600
Approved10/24/2023
720
Equifax
$8,000
Approved07/17/2023
790
Equifax
$3,000
Approved01/17/2023
800
TransUnion
$5,300
Denied05/12/2023
800
Not Provided
---

Chase Freedom Flex(SM)

Our Rating: 4.7

★★★★

Chase Freedom Flex(SM)

Welcome Offer

Earn a $200 bonus

Est. Value

$200

Annual Fee

$0

APR

20.49%–29.24% Variable

Credit Req’d

Good to Excellent 670 – 850

Rewards: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and on travel purchased through Chase. 3% cash back on dining and drugstore purchases. 1% cash back on other purchases.

The Chase Freedom Flex(SM) features up to 5% cash back and no annual fee. The card also offers an easy-to-earn signup bonus and a 0% intro APR for 15 months on purchases and balance transfers, then 20.49%–29.24% variable APR. You also have more opportunities to earn 5% cash back with quarterly rotating bonus categories. If you don’t mind changing up your bonus categories a few times a year, you can maximize rewards with this card.

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Drugstores
3% cash back on drugstore purchases
3% cash back
Dining
3% cash back on dining at restaurants, including takeout and eligible delivery services
5% cash back
Rotating Categories
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
5% cash back
Travel
5% cash back on travel purchased through Chase Ultimate Rewards

Pros

  • Welcome offer
  • No annual fee
  • Up to 5% cash back
  • Earns Chase Ultimate Rewards points

Cons

  • Foreign transaction fee
  • Requires good credit
  • Keeping track of quarterly bonus categories
App StatusDateCredit ScoreBureauCredit Limit
Approved04/02/2023
741
TransUnion
$14,000
Approved04/02/2023
748
Experian
$14,000
Approved08/02/2023
800
Not Provided
$19,000
Approved10/24/2023
800
Not Provided
$8,600
Approved09/03/2023
795
Experian
$22,500
Approved09/03/2023
847
TransUnion
$22,500
Approved06/02/2023
789
TransUnion
$12,000
Approved06/02/2023
791
Experian
$12,000

How to Choose a Credit Card for Good Credit

With so many credit cards out there, how do you know which one is right for you? A few things: 

  • Does it have a signup bonus? This doesn’t have to be a dealbreaker. But, it might be the deciding factor if you’re having trouble choosing between two cards.
  • Is there an annual fee? Think of an annual fee the same way one would think of membership dues. Is it really worth it to be part of the club? What are you getting in return?
  • Are you planning a balance transfer? 0% APR is the best way to go. Zero interest offers rock, and credit scores of 700 to 749 qualify for these deals all the time.

The right card matches your spending profile. Be sure that you understand your numbers before you apply. For example, even if a card offers a sweet bonus and tons of rewards on travel, it won’t be worth it if you don’t travel often.

FAQS

Can I get a credit card with a credit score of 700?

Yes, you can get a credit card with a credit score of 700. The top FICO score at the time of this writing is 850. Anything over 800 is top-tier credit. Lenders consider these people at the lowest risk of defaulting. 

For the rest of us who don’t have perfect scores, there are plenty of credit cards that are still available. The most important part is to apply and grow your score through responsible usage.

What type of credit card can I get with a credit score of 700?

Several types of credit cards are available with a credit score of 700, including cash back cards, balance transfer cards, travel, and 0% APR cards. 

What is a normal credit limit for good credit scores?

As reported by CNBC, Americans enjoy an average cumulative credit limit of $22,761. This gives a lot of spending power, but the normal credit limit for a good credit score can be lower than that.

Indeed, a credit limit of $5000 to $10,000 is more in line for people with credit scores of 700 to 749. Income, debt, payment history, type of credit card, and other factors play a role in credit limits.

How can you improve your score from good to excellent?

The best way to move your score from good to excellent is to take inventory of how you’re taking care of your credit. Like a good garden, you have to tend your credit regularly. Payment history is a huge factor in your FICO score. Consider setting up auto-pay to ensure that you never miss another payment. 

Credit utilization is also one of the biggest factors behind a great credit score. Pay attention to how much money you owe on each credit card. Those with excellent credit do not use anywhere near the amount of credit they have.

Final Thoughts

The best credit cards get used regularly, line up with your money goals, and have affordable fees. For those new to the 700 credit score tier, this is where credit truly begins bringing better options. You can enjoy lower interest rates and bigger rewards.