YOUR DIGIT · FILED
720
Very Good Credit · 32 cards matched
CASH BACK DESK · APPROVAL ODDS
Best cash back cards for a 720 score.
These cash back credit cards accept applicants in your range. Ranked by rewards value and the likelihood you actually get approved.
TIER
Very Good Credit
ODDS
Very good — approved for nearly all cards with competitive terms and higher limits
DATELINE
Apr 6, 2026
DOSSIER
What 720 means.
At 720, you are in strong territory within the very good range. Nearly every credit card is within reach, and you will receive more competitive APRs and higher credit limits. Issuers actively compete for cardholders at this score level with their best offers.
SECTION
Cash Back for 720+ Scores
ENTRY
01
CHASE · VISA
Chase Freedom UnlimitedBONUS → $200 bonus ($200)
1.5% cash back on all purchases
— Flat 1.5% cash back with no caps or category restrictions— 0% intro APR for 15 months on purchases and balance transfers— No annual fee- FEE
- $0
- APR
- 20.49–29.24%
- MIN SCORE
- 670
ENTRY
02
CHASE · MASTERCARD
Chase Freedom FlexBONUS → $200 bonus ($200)
1% cash back on all purchases
— 5% rotating quarterly bonus categories— 0% intro APR for 15 months on purchases and balance transfers— No annual fee- FEE
- $0
- APR
- 20.49–29.24%
- MIN SCORE
- 670
ENTRY
03
CHASE · VISA
Ink Business Cash Credit CardBONUS → $350 bonus ($350)
1% cash back on all purchases
— No annual fee— 5% back on office supplies, internet, cable, and phone— 0% intro APR on purchases for 12 months- FEE
- $0
- APR
- 18.49–24.49%
- MIN SCORE
- 670
ENTRY
04
CHASE · VISA
Ink Business Unlimited Credit CardBONUS → $500 bonus ($500)
1.5% cash back on all purchases
— Flat 1.5% cash back with no limits— No annual fee— 0% intro APR on purchases for 12 months- FEE
- $0
- APR
- 18.49–24.49%
- MIN SCORE
- 670
ENTRY
05
AMERICAN EXPRESS · AMERICAN EXPRESS
Blue Cash Preferred Card from American ExpressBONUS → $250 statement credit ($250)
1% cash back on all purchases
— 6% cash back at US supermarkets (up to $6,000/year)— 6% on select US streaming subscriptions— 0% intro APR for 12 months on purchases and balance transfers- FEE
- $95
- APR
- 19.24–29.99%
- MIN SCORE
- 670
ENTRY
06
AMERICAN EXPRESS · AMERICAN EXPRESS
Blue Cash Everyday Card from American ExpressBONUS → $200 statement credit ($200)
1% cash back on all purchases
— No annual fee— 3% back at US supermarkets, online retail, and gas stations— 0% intro APR for 15 months- FEE
- $0
- APR
- 19.24–29.99%
- MIN SCORE
- 670
ENTRY
07
AMERICAN EXPRESS · AMERICAN EXPRESS
American Express Cash Magnet CardBONUS → $200 statement credit ($200)
1.5% cash back on all purchases
— Flat 1.5% cash back on all purchases with no cap— No annual fee— 0% intro APR for 15 months- FEE
- $0
- APR
- 19.24–29.99%
- MIN SCORE
- 670
ENTRY
08
CAPITAL ONE · VISA
Capital One SavorOne Cash Rewards Credit CardBONUS → $200 bonus ($200)
1% cash back on all purchases
— No annual fee with 3% on dining, entertainment, and groceries— 0% intro APR for 15 months— 5% cash back through Capital One Travel- FEE
- $0
- APR
- 19.24–29.24%
- MIN SCORE
- 670
ENTRY
09
CAPITAL ONE · VISA
Capital One Savor Cash Rewards Credit CardBONUS → $300 bonus ($300)
1% cash back on all purchases
— 4% cash back on dining and entertainment— 8% back through Capital One Travel— Complimentary Uber One membership- FEE
- $95
- APR
- 19.24–29.24%
- MIN SCORE
- 700
ENTRY
10
CAPITAL ONE · VISA
Capital One Quicksilver Cash Rewards Credit CardBONUS → $200 bonus ($200)
1.5% cash back on all purchases
— Flat 1.5% cash back on everything— No annual fee— 0% intro APR for 15 months- FEE
- $0
- APR
- 19.24–29.24%
- MIN SCORE
- 670
ENTRY
11
CAPITAL ONE · VISA
Capital One Spark Cash PlusBONUS → $1,200 cash bonus ($1,200)
2% cash back on all purchases
— Flat 2% cash back on every business purchase— No preset spending limit— No foreign transaction fees- FEE
- $150
- APR
- 0–0%
- MIN SCORE
- 720
ENTRY
12
CITI · MASTERCARD
Citi Double Cash Card2% cash back (1% on purchase, 1% on payment)
— Flat 2% cash back on everything — no categories to track— 0% intro APR on balance transfers for 18 months— No annual fee- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
13
CITI · MASTERCARD
Citi Custom Cash CardBONUS → $200 bonus ($200)
1% cash back on all purchases
— Automatic 5% back on your top spending category each billing cycle— No annual fee— 0% intro APR for 15 months on purchases and balance transfers- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
14
CITI · VISA
Costco Anywhere Visa Card by Citi1% cash back on all purchases
— 4% back on gas including EV charging (up to $7,000/year)— 3% back on restaurants and travel— 2% back at Costco worldwide- FEE
- $0
- APR
- 20.49–20.49%
- MIN SCORE
- 700
ENTRY
15
DISCOVER · DISCOVER
Discover it Cash BackBONUS → Cashback Match (all cash back earned matched at end of first year) ($150+)
1% cash back on all purchases
— 5% rotating quarterly bonus categories— Cashback Match doubles all cash back at end of first year— 0% intro APR for 15 months- FEE
- $0
- APR
- 17.24–28.24%
- MIN SCORE
- 670
ENTRY
16
DISCOVER · DISCOVER
Discover it ChromeBONUS → Cashback Match (all cash back earned matched at end of first year) ($100+)
1% cash back on all purchases
— 2% back at gas stations and restaurants (up to $1,000/quarter)— Cashback Match doubles all cash back in the first year— 0% intro APR for 15 months- FEE
- $0
- APR
- 17.24–28.24%
- MIN SCORE
- 670
ENTRY
17
BANK OF AMERICA · VISA
Bank of America Customized Cash Rewards Credit CardBONUS → $200 bonus ($200)
1% cash back on all purchases
— 3% back in the category of your choice (change anytime)— 2% back at grocery stores and wholesale clubs— 0% intro APR for 15 billing cycles- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
18
BANK OF AMERICA · VISA
Bank of America Unlimited Cash Rewards Credit CardBONUS → $200 bonus ($200)
1.5% cash back on all purchases
— Flat 1.5% cash back on every purchase— 0% intro APR for 15 billing cycles— Preferred Rewards members earn 25-75% more cash back- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
19
WELLS FARGO · VISA
Wells Fargo Active Cash CardBONUS → $200 bonus ($200)
2% cash back on all purchases
— Flat 2% cash back on all purchases — no categories to track— 0% intro APR for 15 months on purchases and balance transfers— No annual fee- FEE
- $0
- APR
- 20.24–29.99%
- MIN SCORE
- 670
ENTRY
20
WELLS FARGO · VISA
Wells Fargo Attune CardBONUS → $200 bonus ($200)
1% cash back on all purchases
— 4% back on groceries, subscriptions, utilities, and gas— No annual fee— Cell phone protection up to $600- FEE
- $0
- APR
- 20.24–29.99%
- MIN SCORE
- 670
ENTRY
21
U.S. BANK · VISA
U.S. Bank Cash+ Visa Signature CardBONUS → $200 bonus ($200)
1% cash back on all purchases
— Choose your own 5% categories (utilities, TV/internet, cell phone, gyms, and more)— Choose one 2% everyday category— No annual fee- FEE
- $0
- APR
- 18.74–29.74%
- MIN SCORE
- 670
ENTRY
22
APPLE / GOLDMAN SACHS · MASTERCARD
Apple Card1% cash back on physical card purchases
— Daily Cash paid daily to Apple Cash or Savings account— 3% back at Apple and select merchants— 2% back on all Apple Pay purchases- FEE
- $0
- APR
- 19.24–29.49%
- MIN SCORE
- 670
ENTRY
23
ALLIANT CREDIT UNION · VISA
Alliant Cashback Visa Signature Card2.5% cash back on all purchases (up to $10K/month)
— Industry-leading 2.5% flat cash back (with qualifying Alliant account)— No annual fee— Visa Signature benefits and perks- FEE
- $0
- APR
- 17.24–27.24%
- MIN SCORE
- 700
ENTRY
24
PENFED · VISA
PenFed Power Cash Rewards Visa Signature CardBONUS → $100 bonus ($100)
2% cash back on all purchases
— Flat 2% cash back on everything— No annual fee— Low fixed APR of 17.99%- FEE
- $0
- APR
- 17.99–17.99%
- MIN SCORE
- 670
ENTRY
25
USAA · AMERICAN EXPRESS
USAA Cashback Rewards Plus American Express Card1% cash back on all purchases
— 5% cash back on first $5,000 in purchases each year, then 1%— No annual fee— Military-focused benefits and customer service- FEE
- $0
- APR
- 16.15–29.4%
- MIN SCORE
- 670
ENTRY
26
USAA · VISA
USAA Preferred Cash Rewards Visa Signature Card1% cash back on all purchases
— 2% back on gas and groceries at US locations— No annual fee— Low APR options available for military members- FEE
- $0
- APR
- 14.65–29.4%
- MIN SCORE
- 670
ENTRY
27
BREAD FINANCIAL · AMERICAN EXPRESS
Bread Cashback American Express CardBONUS → $200 bonus ($200)
2% cash back on all purchases
— Flat 2% cash back on every purchase with no limits— No annual fee— Cash back earned as statement credits- FEE
- $0
- APR
- 20.24–29.24%
- MIN SCORE
- 670
ENTRY
28
PAYPAL / SYNCHRONY · MASTERCARD
PayPal Cashback Mastercard2% cash back on all purchases
— Flat 2% cash back everywhere, 3% through PayPal— No annual fee— Cash back deposited directly into PayPal account- FEE
- $0
- APR
- 20.24–29.99%
- MIN SCORE
- 670
ENTRY
29
CAPITAL ONE · VISA
Capital One Spark 1.5% Cash SelectBONUS → $500 bonus ($500)
1.5% cash back on all purchases
— 1.5% cash back on every business purchase— No annual fee— 5% cash back through Capital One Travel- FEE
- $0
- APR
- 18.49–24.49%
- MIN SCORE
- 670
ENTRY
30
DISCOVER · DISCOVER
Discover it Business CardBONUS → Cashback Match (all cash back earned matched at end of first year) ($100+)
1% cash back on all purchases
— Cashback Match doubles all cash back in the first year— 1.5% on gas, restaurants, and office supplies— No annual fee- FEE
- $0
- APR
- 17.24–25.24%
- MIN SCORE
- 670
ENTRY
31
U.S. BANK · VISA
U.S. Bank Business Triple Cash Rewards VisaBONUS → $500 bonus ($500)
1% cash back on all purchases
— 3% on gas, office supplies, cell phone, and restaurants— 5% on travel booked through Rewards Center— No annual fee- FEE
- $0
- APR
- 18.74–27.74%
- MIN SCORE
- 670
ENTRY
32
FIRST NATIONAL BANK OF OMAHA · VISA
FNBO Evergreen VisaBONUS → $200 bonus ($200)
2% cash back on all purchases
— Flat 2% cash back on every purchase with no limits— 0% intro APR for 15 months— No annual fee- FEE
- $0
- APR
- 16.24–26.24%
- MIN SCORE
- 670
QUESTIONS · ANSWERS
Frequently filed.
With a 720 credit score (Very Good Credit), you have 32 cash back card options. Our top pick is the Chase Freedom Unlimited, which offers 1.5% cash back on all purchases.