Will applying for a credit card hurt my 740 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.

740

Very Good Credit · 11 cards matched

Best premium cards for a 740 score.

Q: Is a 740 credit score good enough for a premium card?

A 740 score is considered very good credit. Excellent — top-tier approval odds with the best rates and highest limits. We found 11 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

Excellent — top-tier approval odds with the best rates and highest limits

Apr 6, 2026

What 740 means.

A 740 score places you at the top of the very good range, on the cusp of excellent. You qualify for virtually every credit card product available, often with the best possible APRs and highest credit limits. Premium cards with annual fees of $500 or more are well within reach.

Premium for 740+ Scores

ENTRY
01
CHASE · VISA
Chase Sapphire Reserve
BONUS → 60,000 points ($900)
1x points on all purchases
— Points worth 50% more when redeemed through Chase Travel— $300 annual travel credit applied automatically— Priority Pass Select airport lounge access
FEE
$550
APR
22.49–29.49%
MIN SCORE
720
Apply →READ THE FULL REVIEW →
ENTRY
02
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
03
AMERICAN EXPRESS · AMERICAN EXPRESS
The Platinum Card from American Express
BONUS → 80,000 points ($1,600)
1x points on all purchases
— $200 airline fee credit, $200 hotel credit, $200 Uber Cash annually— Centurion Lounge, Priority Pass, and Delta Sky Club access— Global Entry or TSA PreCheck credit
FEE
$695
APR
0–0%
MIN SCORE
720
Apply →READ THE FULL REVIEW →
ENTRY
04
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
05
AMERICAN EXPRESS · AMERICAN EXPRESS
Hilton Honors American Express Aspire Card
BONUS → 175,000 Hilton points ($875)
3x points on all purchases
— Complimentary Hilton Diamond status— Free weekend night reward each year— $250 Hilton resort credit annually
FEE
$550
APR
22.49–29.49%
MIN SCORE
720
Apply →READ THE FULL REVIEW →
ENTRY
06
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 →
ENTRY
07
CAPITAL ONE · VISA
Capital One Venture X Rewards Credit Card
BONUS → 75,000 miles ($750)
2x miles on all purchases
— $300 annual Capital One Travel credit— 10,000 bonus miles anniversary each year— Capital One Lounge and Priority Pass access
FEE
$395
APR
21.24–28.24%
MIN SCORE
720
Apply →READ THE FULL REVIEW →
ENTRY
08
BANK OF AMERICA · VISA
Bank of America Premium Rewards Elite Credit Card
BONUS → 75,000 points ($750)
2 points per dollar on all purchases
— Flat 2 points per dollar on every purchase— $300 annual Lifestyle credit (airlines, dining, rideshare, travel)— Unlimited lounge visits (The Club, Airspace, Plaza Premium)
FEE
$550
APR
19.24–29.24%
MIN SCORE
720
Apply →READ THE FULL REVIEW →
ENTRY
09
U.S. BANK · VISA
U.S. Bank Altitude Reserve Visa Infinite Card
BONUS → 50,000 points ($750)
1x points on all purchases
— $325 annual travel credit— Points worth 50% more on travel through Real-Time Rewards— Priority Pass lounge access
FEE
$400
APR
21.24–28.74%
MIN SCORE
720
Apply →READ THE FULL REVIEW →
ENTRY
10
CAPITAL ONE · VISA
Capital One Venture X Business Card
BONUS → 150,000 miles ($1,500)
2x miles on all purchases
— Flat 2x miles on every business purchase— $300 annual Capital One Travel credit— Capital One Lounge and Priority Pass access
FEE
$395
APR
0–0%
MIN SCORE
720
Apply →READ THE FULL REVIEW →
ENTRY
11
AMERICAN EXPRESS · AMERICAN EXPRESS
Marriott Bonvoy Brilliant American Express Card
BONUS → 185,000 Marriott Bonvoy points ($1,480)
2x points on all purchases
— Free night award up to 85,000 points each account anniversary— Automatic Platinum Elite status— $25 monthly dining credit at select restaurants
FEE
$650
APR
21.49–29.49%
MIN SCORE
720
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 740 credit score (Very Good Credit), you have 11 premium card options. Our top pick is the Chase Sapphire Reserve, which offers 1x points on all purchases.