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 · 3 cards matched

Best premium cards for a 700 score.

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

A 700 score is considered very good credit. Very good — eligible for most cards including premium travel and high-limit options. We found 3 cards in this category that accept your score range.

These premium 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.

Premium for 700+ Scores

ENTRY
01
CHASE · VISA
United Quest Card
BONUS → 70,000 miles ($910)
1x miles on all purchases
— $125 annual United purchase credit— 10,000 mile anniversary bonus each year— Free checked bags for you and companions
FEE
$250
APR
22.49–29.49%
MIN SCORE
700
Apply →READ THE FULL REVIEW →
ENTRY
02
AMERICAN EXPRESS · AMERICAN EXPRESS
American Express Gold Card
BONUS → 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
Apply →READ THE FULL REVIEW →
ENTRY
03
AMERICAN EXPRESS · AMERICAN EXPRESS
Delta SkyMiles Platinum American Express Card
BONUS → 60,000 miles ($720)
1x miles on all purchases
— Companion Certificate each year (domestic roundtrip)— First checked bag free on Delta flights— Delta Sky Club access at reduced rate
FEE
$350
APR
21.49–29.49%
MIN SCORE
700
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 3 premium card options. Our top pick is the United Quest Card, which offers 1x miles on all purchases.