Will applying for a credit card hurt my 700 credit score?

Most credit card applications result in a hard inquiry, which typically lowers your score by 5-10 points temporarily. The impact diminishes over 12 months and falls off your report after 2 years. Only apply for cards you're confident you'll be approved for.

700

Very Good Credit · 6 cards matched

Best hotel cards for a 700 score.

Q: Is a 700 credit score good enough for a hotel card?

A 700 score is considered very good credit. Very good — eligible for most cards including premium travel and high-limit options. We found 6 cards in this category that accept your score range.

These hotel credit cards accept applicants in your range. Ranked by rewards value and the likelihood you actually get approved.

Very Good Credit

Very good — eligible for most cards including premium travel and high-limit options

Apr 6, 2026

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.

Hotel for 700+ Scores

ENTRY
01
CHASE · VISA
Marriott Bonvoy Bold Credit Card
BONUS → 30,000 points ($240)
1x points on all purchases
— No annual fee with Marriott Bonvoy earning— Automatic Silver Elite status— 15 elite night credits each year
FEE
$0
APR
21.49–28.49%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
02
CHASE · VISA
Marriott Bonvoy Boundless Credit Card
BONUS → 85,000 points ($680)
2x points on all purchases
— Free night award each account anniversary (up to 35,000 points)— Automatic Gold Elite status— 15 elite night credits each year
FEE
$95
APR
21.49–28.49%
MIN SCORE
700
Apply →READ THE FULL REVIEW →
ENTRY
03
CHASE · MASTERCARD
IHG One Rewards Premier Credit Card
BONUS → 140,000 points ($840)
3x points on all purchases
— Free night award each account anniversary (up to 40,000 points)— Automatic Platinum Elite status— Fourth night free on reward stays
FEE
$99
APR
21.49–28.49%
MIN SCORE
700
Apply →READ THE FULL REVIEW →
ENTRY
04
AMERICAN EXPRESS · AMERICAN EXPRESS
Hilton Honors American Express Surpass Card
BONUS → 130,000 Hilton points ($650)
3x points on all purchases
— Complimentary Hilton Gold status— Free weekend night after $15K in annual spend— 10 Priority Pass lounge visits per year
FEE
$150
APR
22.49–29.49%
MIN SCORE
700
Apply →READ THE FULL REVIEW →
ENTRY
05
BARCLAYS · VISA
Wyndham Rewards Earner Plus Card
BONUS → 45,000 Wyndham Rewards points ($540)
1x Wyndham Rewards points on all purchases
— 6x points at Wyndham hotels worldwide— Automatic Wyndham Rewards Gold status— 4x on gas and grocery stores
FEE
$75
APR
21.24–29.24%
MIN SCORE
670
Apply →READ THE FULL REVIEW →
ENTRY
06
AMERICAN EXPRESS · AMERICAN EXPRESS
Hilton Honors American Express Card
BONUS → 70,000 Hilton points ($350)
3x points on all purchases
— No annual fee with Hilton Honors earning— Automatic Hilton Silver status— 5x at US restaurants, supermarkets, and gas stations
FEE
$0
APR
22.49–29.49%
MIN SCORE
670
Apply →READ THE FULL REVIEW →

Try another digit.

580

Poor Credit

600

Poor Credit

620

Fair Credit

640

Fair Credit

650

Fair Credit

660

Good Credit

670

Good Credit

680

Good Credit

700

Very Good Credit

720

Very Good Credit

740

Very Good Credit

760

Excellent Credit

780

Excellent Credit

Frequently filed.

With a 700 credit score (Very Good Credit), you have 6 hotel card options. Our top pick is the Marriott Bonvoy Bold Credit Card, which offers 1x points on all purchases.