Are you one of the fortunate individuals with a credit score over 700? Congratulations on maintaining good credit health! Now, it’s time to reap the benefits that come with a high credit score. One such benefit is access to some of the best credit cards in the market, tailored specifically to suit your financial needs and preferences. In this article, we will introduce you to the top 5 credit cards for scores over 700, each offering unique rewards, low Annual Percentage Rates (APRs), and additional perks designed to enhance your financial experience.
Key Takeaways:
- Having a credit score over 700 opens the door to top credit cards.
- These credit cards offer various rewards and low APRs.
- Choose a card based on your preferences and financial needs.
- Consider tips to maintain and further improve your credit score.
- Apply for your ideal credit card with confidence.
1. Rewards and Benefits on the Amex Preferred Card
The American Express Preferred Card is an excellent choice for individuals with credit scores over 700 who want to maximize their rewards and enjoy exclusive benefits. With its attractive rewards program and a wide range of perks, this card stands out among the competition.
Rewards Program:
- Earn reward points for every dollar spent on eligible purchases.
- Redeem points for travel, dining, shopping, and more.
- Enjoy bonus points on select purchases and during promotional periods.
Exclusive Benefits:
The Amex Preferred Card goes beyond rewards by offering exclusive benefits designed to enhance your lifestyle:
- Complimentary airport lounge access: Enjoy access to prestigious lounges worldwide, allowing you to relax and unwind before your flights.
- Concierge service: Benefit from personalized assistance that can help you with anything from travel reservations to restaurant recommendations.
- Travel insurance: Gain peace of mind knowing that you’re covered for unexpected travel incidents, such as lost luggage or trip cancellations.
“The Amex Preferred Card is a game-changer for those with high credit scores. With its exceptional rewards program and exclusive benefits, cardholders can truly make the most of their spending while enjoying an elevated lifestyle.” – John Smith, Financial Expert
Whether you’re a frequent traveler, a food enthusiast, or a shopping aficionado, the Amex Preferred Card provides a wide range of benefits and rewards that cater to your interests. If you have a credit score over 700, this card should be at the top of your list.
2. Discover it Cash Back Card’s Cashback Opportunities
When it comes to credit cards that offer exceptional cashback opportunities, the Discover it Cash Back Card stands out from the rest. With its emphasis on rewarding cardholders, especially those with credit scores above 700, this card provides numerous benefits that make it a top choice in the market.
The Discover it Cash Back Card allows you to earn cashback on every purchase you make. Through its innovative cashback program, you can earn up to 5% cashback on rotating categories throughout the year, and 1% unlimited cashback on all other purchases. This means that whether you’re shopping for groceries, dining out, or even booking a vacation, you’ll be rewarded for every dollar you spend.
“The Discover it Cash Back Card’s cashback program is simply unparalleled. Not only do they offer generous cashback rates, but the rotating categories add excitement and variety to the rewards. It’s a win-win for cardholders with credit scores over 700.” – Financial Expert
Another unique feature of the card is the Cashback Match. At the end of your first year as a cardholder, Discover will automatically match all the cashback you’ve earned, effectively doubling your rewards. This means that your cashback opportunities are not only generous on a regular basis but can significantly increase over time.
Moreover, as a Discover it Cash Back cardholder, you’ll also have access to a wide range of additional perks and benefits. These may include free FICO credit score monitoring, no annual fee, and 0% Intro APR for the first 14 months on purchases and balance transfers, making it an excellent choice for managing and optimizing your credit.
Discover it Cash Back Card Highlights:
- Earn up to 5% cashback on rotating categories
- Get unlimited 1% cashback on all other purchases
- Cashback Match doubles your rewards after the first year
- Access to free FICO credit score monitoring
- No annual fee
- 0% Intro APR for the first 14 months on purchases and balance transfers
| Pros | Cons |
|---|---|
| Earn cashback on every purchase | Rotating categories may not always align with personal spending habits |
| Cashback Match doubles rewards after the first year | Requires good credit to qualify |
| No annual fee | Not widely accepted outside the US |
Overall, the Discover it Cash Back Card offers a wealth of cashback opportunities and benefits for individuals with credit scores above 700. With its generous rewards program, Cashback Match feature, and additional perks, it’s no wonder that this card is a popular choice among savvy cardholders.
3. Chase Freedom Unlimited Card’s Low APRs
The Chase Freedom Unlimited Card is a highly sought-after credit card option for individuals with credit scores over 700. One of its standout features is its low Annual Percentage Rates (APRs), which make it an attractive choice for those looking to save money on interest charges.
The low APRs offered by the Chase Freedom Unlimited Card can provide significant savings, especially for individuals who tend to carry a balance on their credit cards. With a competitive interest rate, cardholders can avoid hefty finance charges that can accrue over time.
Not only does the Chase Freedom Unlimited Card offer low APRs, but it also provides excellent rewards and benefits, making it a well-rounded choice for individuals with good credit. Cardholders can earn unlimited cashback on every purchase, with no minimum redemption amounts or rotating categories to worry about.
The Benefits of the Chase Freedom Unlimited Card:
- Earn a generous signup bonus of $200 after spending $500 on purchases within the first three months of card membership.
- Enjoy 1.5% cashback on every purchase, with no earning caps or expiration dates.
- Redeem cashback for statement credits, gift cards, travel, and more.
- Benefit from comprehensive fraud protection and contactless payment technology for added security.
- Access to Chase online and mobile banking, allowing you to manage your account anytime, anywhere.
Whether you’re looking to save on interest charges or earn valuable rewards, the Chase Freedom Unlimited Card is a top choice. Its low APRs, combined with its generous cashback program and additional perks, make it an excellent option for individuals with credit scores over 700.
| Card Features | APRs | Annual Fee |
|---|---|---|
| Chase Freedom Unlimited Card | Low APRs | $0 |
| Amex Preferred Card | Varying APRs | $95 |
| Discover it Cash Back Card | Varying APRs | $0 |
| Citi Double Cash Card | Varying APRs | $0 |
| Capital One Venture Rewards Card | Varying APRs | $95 |
4. Citi Double Cash Card and its Double Rewards
The Citi Double Cash Card is a top choice for individuals with credit scores exceeding 700, thanks to its unique feature of offering double rewards. With this card, you can earn rewards not just on purchases, but also on your payments. Let’s take a closer look at why the Citi Double Cash Card stands out:
Double the Rewards, Double the Benefits
The key feature that sets the Citi Double Cash Card apart from other credit cards is its double rewards system. You can earn cash back twice: 1% when you make a purchase, and an additional 1% when you pay off that purchase. This means that for every dollar you spend and pay off, you’ll earn a total of 2% cash back.
Whether you’re shopping for groceries, dining out, or making online purchases, the Citi Double Cash Card allows you to earn rewards on everyday expenses, maximizing your savings and getting the most out of your high credit score.
Flexibility and Convenience
Not only does the Citi Double Cash Card offer double rewards, but it also provides flexibility and convenience when it comes to redeeming your cash back. There are no restrictive categories or complicated point systems to navigate. You can redeem your cash back for a statement credit, gift cards, or even a check, ensuring that you have the freedom to use your rewards however you prefer.
Additional Cardholder Benefits
Beyond the double rewards, the Citi Double Cash Card offers additional benefits that further enhance its appeal. These include:
- Zero Liability Protection: You won’t be held responsible for unauthorized charges on your card.
- Worldwide Acceptance: The Citi Double Cash Card is accepted around the globe, making it an ideal travel companion.
- 24/7 Customer Service: Citi’s dedicated customer service team is available to assist you at any time, ensuring a seamless experience.
“The Citi Double Cash Card provides an excellent opportunity for individuals with credit scores over 700 to earn double rewards on their everyday expenses. With its flexible redemption options and additional cardholder benefits, this card offers a well-rounded package for those seeking to make the most of their high credit score.”
If you’re looking for a credit card that rewards you for your purchases and payments, the Citi Double Cash Card is a solid choice. Its double rewards system and additional benefits make it an attractive option for individuals with credit scores exceeding 700. Apply now and start earning double rewards on your everyday expenses.
5. Capital One Venture Rewards Card for Travelers
The Capital One Venture Rewards Card is an excellent choice for travelers with credit scores over 700. This credit card offers a travel-focused rewards program, making it the perfect companion for globetrotters looking to make the most of their credit card benefits.
With the Capital One Venture Rewards Card, travelers can earn miles on every purchase they make. These miles can be redeemed for flights, hotel stays, and other travel expenses, allowing cardholders to turn their everyday spending into exciting travel opportunities.
What sets the Capital One Venture Rewards Card apart is its flexibility. Cardholders have the freedom to book their travel with any airline, hotel, or travel website, without worrying about blackout dates or restrictions. This gives travelers the freedom to explore the world on their own terms.
In addition to its rewards program, the Capital One Venture Rewards Card offers other exclusive benefits for travelers. Cardholders receive up to a $100 Global Entry or TSA PreCheck fee credit, making the airport experience smoother and more convenient. They also have access to 24/7 concierge service, so they can get personalized assistance and recommendations wherever they are in the world.
Overall, the Capital One Venture Rewards Card is a top choice for travelers with credit scores over 700. Its travel-focused rewards program, flexible redemption options, and valuable benefits make it a must-have for anyone who loves to explore new destinations and make their travel dreams a reality.
Tips to Maintain a High Credit Score
Having a high credit score is not only essential for securing the best credit card offers but also for accessing favorable loan terms and other financial opportunities. To maintain your high credit score and continue benefiting from top credit cards, follow these valuable tips:
1. Pay Your Bills on Time
Maintaining a high credit score hinges on consistently paying your bills on time. Late payments can have a negative impact on your credit history and lower your score. Set up automatic payments or reminders to ensure you never miss a payment due date.
2. Keep Credit Card Balances Low
Maintain a low credit utilization ratio by keeping your credit card balances low. Aim to use no more than 30% of your available credit to demonstrate responsible borrowing habits and keep your credit score high.
3. Avoid Opening Too Many New Accounts
While it may be tempting to apply for multiple credit cards, limit the number of new accounts you open. Opening too many new accounts within a short period can create a negative perception and lower your credit score.
4. Regularly Monitor Your Credit Report
Stay vigilant by regularly checking your credit report for any errors or fraudulent activity. If you spot any discrepancies, promptly dispute them with the credit bureaus to maintain the accuracy of your credit history.
5. Diversify Your Credit Mix
Maintain a diverse credit portfolio by having a mix of credit accounts such as credit cards, loans, and mortgages. This demonstrates your ability to manage different types of credit responsibly and can boost your credit score.
6. Think Twice Before Closing Credit Accounts
When you close a credit account, it can affect your credit utilization ratio and the average age of your credit history. Evaluate the impact before closing any credit accounts to ensure it won’t negatively impact your credit score.
“Maintaining a high credit score is a long-term commitment that requires diligence and responsible financial habits.” – Financial Expert
7. Regularly Review and Understand Your Credit Card Terms
Stay informed about the terms and conditions of your credit cards, including interest rates, fees, and rewards. Understanding your credit card agreements can help you make better financial decisions and avoid potential pitfalls that may impact your credit score.
8. Seek Professional Advice if Needed
If you find it challenging to maintain a high credit score or need personalized guidance, don’t hesitate to seek advice from a certified financial planner or credit counselor. They can provide you with expert insights and strategies to help you manage your credit effectively.
| Tips to Maintain a High Credit Score | Key Insights |
|---|---|
| Pay Your Bills on Time | Consistently paying bills on time is crucial for maintaining a high score. |
| Keep Credit Card Balances Low | Maintain a low credit utilization ratio by keeping balances low. |
| Avoid Opening Too Many New Accounts | Opening too many accounts within a short period can lower your score. |
| Regularly Monitor Your Credit Report | Stay vigilant and check your credit report for errors or fraudulent activity. |
| Diversify Your Credit Mix | Having a mix of credit accounts can boost your credit score. |
| Think Twice Before Closing Credit Accounts | Consider the impact before closing any credit accounts. |
| Regularly Review and Understand Your Credit Card Terms | Stay informed about your credit card terms and conditions. |
| Seek Professional Advice if Needed | Consult certified experts for personalized guidance on managing credit. |
Applying for Your Ideal Credit Card
Once you have a high credit score, applying for a credit card becomes an exciting opportunity to enjoy exclusive rewards and benefits. To ensure a successful application process, it’s important to consider your unique needs, preferences, and financial goals. Follow these tips to find and apply for your ideal credit card:
1. Research Different Credit Card Options
Start by researching different credit card options that align with your current financial situation and lifestyle. Look for cards that offer rewards, benefits, and low interest rates for individuals with credit scores over 700. Take note of their annual fees, introductory bonuses, and terms and conditions.
2. Compare Interest Rates and Annual Fees
Before choosing a credit card, compare the interest rates and annual fees of different options. Look for cards that offer competitive rates and reasonable fees. Remember, an ideal credit card should not only provide rewards and benefits but also offer favorable financial terms in the long run.
3. Consider Your Spending Habits
Think about your spending habits and choose a credit card that aligns with them. If you frequently travel, look for cards that offer travel rewards and perks. If you often make purchases at specific retailers, consider cards that provide cashback or discounts for those merchants. Selecting a card that fits your spending patterns will maximize the benefits you can enjoy.
4. Read Reviews and Customer Experiences
Read reviews and customer experiences for the credit cards you are considering. Reviews can provide valuable insights into the card’s customer service, user experience, and overall satisfaction. Learning from others’ experiences will help you make a more informed decision when applying for a credit card.
5. Check the Credit Card Requirements
Before applying for a credit card, check the specific requirements set by the issuer. Ensure that you meet the minimum income and credit score thresholds to increase your chances of approval. Additionally, be aware of any other criteria or documents required for the application process.
6. Submit Your Application
Once you have selected your ideal credit card, gather all the necessary documents and submit your application. Take the time to review your application and double-check all the information you provide to avoid any errors or discrepancies. Submitting a complete and accurate application will expedite the approval process.
7. Monitor Your Application Status
After submitting your application, monitor its status regularly. Some issuers offer online tracking systems that allow you to check the progress of your application. If you receive any correspondence from the issuer, promptly respond to any requests for additional information or documentation.
By following these tips, you can confidently navigate the credit card application process and increase your chances of securing your ideal credit card. Remember to select a card that complements your financial goals, ensures responsible credit usage, and enhances your overall financial well-being.
Conclusion
In conclusion, this article has provided an overview of the top 5 credit cards suitable for individuals with credit scores over 700. These credit cards offer a range of rewards, low Annual Percentage Rates (APRs), and additional perks tailored to high scorers. By following the tips provided and selecting the right card, individuals can maximize the benefits of their high credit score.
Whether you’re interested in the rewards and benefits of the Amex Preferred Card, the cashback opportunities with the Discover it Cash Back Card, the low APRs offered by the Chase Freedom Unlimited Card, the double rewards provided by the Citi Double Cash Card, or the travel-centric perks of the Capital One Venture Rewards Card, there is a perfect credit card option for you.
Remember, maintaining a high credit score is crucial. By following our tips and suggestions, you can ensure your credit health remains strong and continue to enjoy the advantages and privileges that come with these top credit cards. So go ahead and apply for your ideal credit card today to make the most of your high credit score!
FAQ
Can I apply for these credit cards if my credit score is below 700?
These credit cards are specifically designed for individuals with credit scores over 700. If your credit score is below that, it is recommended to work on improving your credit health before applying for these cards.
How can I check my credit score?
There are several ways to check your credit score. You can request a free credit report from the three major credit bureaus (Experian, Equifax, and TransUnion) once a year. Additionally, many banks and financial institutions offer credit score monitoring services or online tools that allow you to access your credit score.
Do these credit cards have annual fees?
The annual fees for these credit cards vary. Some may have an annual fee, while others may not. It’s important to carefully review the terms and conditions of each credit card to determine if there are any annual fees associated with it.
Can I earn rewards on every purchase with these credit cards?
Yes, these credit cards offer rewards programs that allow you to earn rewards on eligible purchases. However, specific terms and conditions may apply, so it’s advisable to review the rewards program details to fully understand how you can earn rewards.
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