YOUR DIGIT · FILED
700
Very Good Credit · 16 cards matched
DINING DESK · APPROVAL ODDS
Best dining cards for a 700 score.
These dining 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 — eligible for most cards including premium travel and high-limit options
DATELINE
Apr 6, 2026
DOSSIER
What 700 means.
A 700 score puts you in the very good credit range. This is a significant milestone — you now qualify for the majority of credit cards on the market, including premium travel cards, high-limit rewards cards, and the best balance transfer offers with the longest 0% APR periods.
SECTION
Dining for 700+ Scores
ENTRY
01
CHASE · VISA
Chase Sapphire Preferred CardBONUS → 60,000 points ($750)
1x points on all purchases
— Points worth 25% more when redeemed through Chase Travel— Transfer points to 14+ airline and hotel partners— $50 annual Chase Travel hotel credit- FEE
- $95
- APR
- 21.49–28.49%
- MIN SCORE
- 700
ENTRY
02
AMERICAN EXPRESS · AMERICAN EXPRESS
American Express Gold CardBONUS → 60,000 points ($1,200)
1x points on all purchases
— $120 dining credit ($10/month at select restaurants)— $120 Uber Cash ($10/month plus $20 in December)— 4x at restaurants worldwide with no cap- FEE
- $250
- APR
- 0–0%
- MIN SCORE
- 700
ENTRY
03
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
04
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
05
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
06
CITI · MASTERCARD
Citi Premier CardBONUS → 60,000 points ($600)
1x ThankYou points on all purchases
— 3x points on restaurants, supermarkets, gas, air travel, and hotels— Transfer ThankYou Points to 15+ airline partners— No foreign transaction fees- FEE
- $95
- APR
- 21.24–29.24%
- MIN SCORE
- 700
ENTRY
07
CITI · MASTERCARD
Citi Strata Premier CardBONUS → 75,000 points ($750)
1x ThankYou points on all purchases
— 10x on hotels and flights booked through thankyou.com— 3x on restaurants, supermarkets, gas, and EV charging— Transfer to 15+ airline and hotel partners- FEE
- $95
- APR
- 21.24–29.24%
- MIN SCORE
- 700
ENTRY
08
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
09
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
10
DISCOVER · DISCOVER
Discover it Student ChromeBONUS → $20 Good Grades bonus each year GPA is 3.0+ ($20/year + Cashback Match)
1% cash back on all purchases
— 2% back at gas stations and restaurants— Cashback Match doubles all cash back in the first year— $20 statement credit each school year for GPA of 3.0 or higher- FEE
- $0
- APR
- 17.24–26.24%
- MIN SCORE
- 580
ENTRY
11
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
12
BANK OF AMERICA · VISA
Bank of America Premium Rewards Credit CardBONUS → 60,000 points ($600)
1.5 points per dollar on all purchases
— 2 points per dollar on travel and dining— Up to $100 airline incidental statement credit— Up to $100 Global Entry or TSA PreCheck credit- FEE
- $95
- APR
- 19.24–29.24%
- MIN SCORE
- 700
ENTRY
13
WELLS FARGO · VISA
Wells Fargo Autograph CardBONUS → 20,000 points ($200)
1x points on all purchases
— 3x points on restaurants, travel, gas, transit, streaming, and phone plans— No annual fee— Cell phone protection up to $600- FEE
- $0
- APR
- 20.24–29.99%
- MIN SCORE
- 670
ENTRY
14
WELLS FARGO · VISA
Wells Fargo Autograph Journey CardBONUS → 50,000 points ($500)
1x points on all purchases
— 5x on hotels and 4x on airlines— Up to $50 airline credit annually— Up to $100 Global Entry or TSA PreCheck credit- FEE
- $95
- APR
- 21.24–29.99%
- MIN SCORE
- 700
ENTRY
15
U.S. BANK · VISA
U.S. Bank Altitude Go Visa Signature CardBONUS → 25,000 points ($250)
1x points on all purchases
— 4x points on dining including takeout and delivery— No annual fee— 0% intro APR on purchases for 15 billing cycles- FEE
- $0
- APR
- 18.74–29.74%
- MIN SCORE
- 670
ENTRY
16
WELLS FARGO · MASTERCARD
Bilt Mastercard1x points on all purchases
— Only card that earns points on rent with no fees— Transfer points to airline and hotel partners (Hyatt, AA, United, etc.)— 3x on dining, 2x on travel- FEE
- $0
- APR
- 21.24–29.99%
- MIN SCORE
- 670
QUESTIONS · ANSWERS
Frequently filed.
With a 700 credit score (Very Good Credit), you have 16 dining card options. Our top pick is the Chase Sapphire Preferred Card, which offers 1x points on all purchases.