YOUR DIGIT · FILED
740
Very Good Credit · 51 cards matched
REWARDS DESK · APPROVAL ODDS
Best rewards cards for a 740 score.
These rewards credit cards accept applicants in your range. Ranked by rewards value and the likelihood you actually get approved.
TIER
Very Good Credit
ODDS
Excellent — top-tier approval odds with the best rates and highest limits
DATELINE
Apr 6, 2026
DOSSIER
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.
SECTION
Rewards for 740+ 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
CHASE · VISA
Chase Sapphire ReserveBONUS → 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
ENTRY
03
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
04
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
05
CHASE · VISA
Ink Business Preferred Credit CardBONUS → 100,000 points ($1,250)
1x points on all purchases
— 100K point sign-up bonus worth $1,250 in travel— 3x on the first $150,000 in combined spending— Points worth 25% more through Chase Travel- FEE
- $95
- APR
- 21.24–26.24%
- MIN SCORE
- 700
ENTRY
06
CHASE · VISA
United Explorer CardBONUS → 50,000 miles ($650)
1x miles on all purchases
— Free first checked bag for you and a companion— Two United Club one-time passes per year— 25% back on United in-flight purchases- FEE
- $95
- APR
- 22.49–29.49%
- MIN SCORE
- 670
ENTRY
07
CHASE · VISA
United Quest CardBONUS → 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
ENTRY
08
CHASE · VISA
Southwest Rapid Rewards Plus Credit CardBONUS → 50,000 points ($700)
1x points on all purchases
— 3,000 anniversary bonus points each year— 2 EarlyBird Check-In benefits per year— 25% back on in-flight drinks and WiFi- FEE
- $69
- APR
- 21.49–28.49%
- MIN SCORE
- 670
ENTRY
09
CHASE · VISA
Southwest Rapid Rewards Priority Credit CardBONUS → 50,000 points ($700)
1x points on all purchases
— $75 annual Southwest travel credit— 7,500 anniversary bonus points each year— 4 upgraded boardings per year when available- FEE
- $149
- APR
- 21.49–28.49%
- MIN SCORE
- 700
ENTRY
10
CHASE · VISA
Marriott Bonvoy Boundless Credit CardBONUS → 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
ENTRY
11
CHASE · MASTERCARD
IHG One Rewards Premier Credit CardBONUS → 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
ENTRY
12
AMERICAN EXPRESS · AMERICAN EXPRESS
The Platinum Card from American ExpressBONUS → 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
ENTRY
13
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
14
AMERICAN EXPRESS · AMERICAN EXPRESS
American Express Green CardBONUS → 40,000 points ($800)
1x points on all purchases
— $189 CLEAR Plus credit annually— LoungeBuddy airport lounge access— 3x on travel, transit, and dining- FEE
- $150
- APR
- 0–0%
- MIN SCORE
- 700
ENTRY
15
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
16
AMERICAN EXPRESS · AMERICAN EXPRESS
Amex EveryDay Credit CardBONUS → 10,000 points ($100)
1x points on all purchases
— No annual fee with Membership Rewards earning— 20% bonus points when you make 20+ purchases per billing period— 2x at US supermarkets- FEE
- $0
- APR
- 18.24–29.24%
- MIN SCORE
- 670
ENTRY
17
AMERICAN EXPRESS · AMERICAN EXPRESS
Amex EveryDay Preferred Credit CardBONUS → 15,000 points ($150)
1x points on all purchases
— 50% bonus points when you make 30+ purchases per billing period— 3x at US supermarkets (up to $6,000/year)— 2x at US gas stations- FEE
- $95
- APR
- 18.24–29.24%
- MIN SCORE
- 700
ENTRY
18
AMERICAN EXPRESS · AMERICAN EXPRESS
Hilton Honors American Express Aspire CardBONUS → 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
ENTRY
19
AMERICAN EXPRESS · AMERICAN EXPRESS
Hilton Honors American Express Surpass CardBONUS → 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
ENTRY
20
AMERICAN EXPRESS · AMERICAN EXPRESS
Delta SkyMiles Gold American Express CardBONUS → 40,000 miles ($480)
1x miles on all purchases
— First checked bag free on Delta flights— Priority boarding on Delta flights— 20% back on Delta in-flight purchases- FEE
- $150
- APR
- 21.49–29.49%
- MIN SCORE
- 670
ENTRY
21
AMERICAN EXPRESS · AMERICAN EXPRESS
Delta SkyMiles Platinum American Express CardBONUS → 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
ENTRY
22
CAPITAL ONE · VISA
Capital One Venture X Rewards Credit CardBONUS → 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
ENTRY
23
CAPITAL ONE · VISA
Capital One Venture Rewards Credit CardBONUS → 75,000 miles ($750)
2x miles on all purchases
— Flat 2x miles on every purchase— Transfer miles to 15+ airline and hotel partners— Up to $100 Global Entry or TSA PreCheck credit- FEE
- $95
- APR
- 19.24–27.24%
- MIN SCORE
- 700
ENTRY
24
CAPITAL ONE · VISA
Capital One VentureOne Rewards Credit CardBONUS → 20,000 miles ($200)
1.25x miles on all purchases
— No annual fee travel card— 1.25x miles on every purchase— 0% intro APR for 15 months on purchases- FEE
- $0
- APR
- 19.24–27.24%
- MIN SCORE
- 670
ENTRY
25
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
26
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
27
CITI · MASTERCARD
Citi Rewards+ Card1x ThankYou points on all purchases
— Points round up to nearest 10 on every purchase— 10% points rebate for first 100,000 points redeemed per year— No annual fee- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
28
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
29
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
30
CITI · MASTERCARD
Citi AAdvantage Platinum Select World Elite MastercardBONUS → 50,000 miles ($650)
1x AAdvantage miles on all purchases
— First checked bag free on AA domestic flights— Preferred boarding on AA flights— $125 AA flight discount after $20K annual spend- FEE
- $99
- APR
- 21.24–29.24%
- MIN SCORE
- 700
ENTRY
31
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
32
DISCOVER · DISCOVER
Discover it MilesBONUS → Miles Match (all miles earned matched at end of first year) ($200+)
1.5x miles on all purchases
— Flat 1.5x miles on every purchase— Miles Match doubles all miles at end of first year— 0% intro APR for 15 months- FEE
- $0
- APR
- 17.24–28.24%
- MIN SCORE
- 670
ENTRY
33
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
34
BANK OF AMERICA · VISA
Bank of America Premium Rewards Elite Credit CardBONUS → 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
ENTRY
35
BANK OF AMERICA · VISA
Bank of America Travel Rewards Credit CardBONUS → 25,000 points ($250)
1.5 points per dollar on all purchases
— 1.5 points per dollar on every purchase— No annual fee— 0% intro APR for 15 billing cycles- FEE
- $0
- APR
- 18.24–28.24%
- MIN SCORE
- 670
ENTRY
36
BANK OF AMERICA · VISA
Alaska Airlines Visa Signature Credit CardBONUS → 70,000 miles + companion fare ($840)
1x miles on all purchases
— Famous Companion Fare from $122 (taxes and fees) each year— Free checked bag for you and up to 6 guests— 3x miles on Alaska Airlines purchases- FEE
- $95
- APR
- 19.24–27.24%
- MIN SCORE
- 670
ENTRY
37
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
38
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
39
U.S. BANK · VISA
U.S. Bank Altitude Reserve Visa Infinite CardBONUS → 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
ENTRY
40
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
41
U.S. BANK · VISA
U.S. Bank Altitude Connect Visa Signature CardBONUS → 50,000 points ($500)
1x points on all purchases
— 5x on travel, 4x on gas, streaming, and EV charging— $30 streaming credit annually— Up to $100 Global Entry or TSA PreCheck credit- FEE
- $95
- APR
- 19.74–28.74%
- MIN SCORE
- 700
ENTRY
42
BARCLAYS · MASTERCARD
AAdvantage Aviator Red World Elite MastercardBONUS → 60,000 miles after first purchase ($780)
1x AAdvantage miles on all purchases
— 60,000 mile bonus after just ONE purchase— First checked bag free on AA domestic flights— Preferred boarding on AA flights- FEE
- $99
- APR
- 21.24–29.24%
- MIN SCORE
- 700
ENTRY
43
BARCLAYS · MASTERCARD
JetBlue Plus CardBONUS → 60,000 TrueBlue points ($780)
1x TrueBlue points on all purchases
— 6x points on JetBlue purchases— First checked bag free for you and up to 3 companions— 50% savings on in-flight food and drinks- FEE
- $99
- APR
- 21.24–29.24%
- MIN SCORE
- 670
ENTRY
44
BARCLAYS · VISA
Wyndham Rewards Earner Plus CardBONUS → 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
ENTRY
45
NAVY FEDERAL · VISA
Navy Federal Credit Union Visa Signature Flagship RewardsBONUS → 40,000 points ($400)
1x points on all purchases
— 3x points on travel and dining— Very low APR compared to competitors (12.24-18.00%)— Transfer points to airline and hotel partners- FEE
- $49
- APR
- 12.24–18%
- MIN SCORE
- 700
ENTRY
46
NAVY FEDERAL · AMERICAN EXPRESS
Navy Federal More Rewards American Express Card1x points on all purchases
— 3x on restaurants, gas, and transit— 2x at supermarkets— Very low APR (12.24-18.00%)- FEE
- $0
- APR
- 12.24–18%
- MIN SCORE
- 670
ENTRY
47
AMERICAN EXPRESS · AMERICAN EXPRESS
American Express Business Gold CardBONUS → 70,000 points ($700)
1x points on all purchases
— 4x on top 2 categories each billing cycle automatically— Categories include airfare, advertising, shipping, tech, fuel, restaurants— Transfer to 20+ airline and hotel partners- FEE
- $375
- APR
- 0–0%
- MIN SCORE
- 700
ENTRY
48
CAPITAL ONE · VISA
Capital One Venture X Business CardBONUS → 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
ENTRY
49
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
ENTRY
50
AMERICAN EXPRESS · AMERICAN EXPRESS
The Blue Business Plus Credit Card from American ExpressBONUS → 15,000 points ($150)
1x Membership Rewards points on all purchases
— 2x Membership Rewards on first $50,000 in purchases each year— No annual fee— 0% intro APR on purchases for 12 months- FEE
- $0
- APR
- 18.49–26.49%
- MIN SCORE
- 670
ENTRY
51
AMERICAN EXPRESS · AMERICAN EXPRESS
Marriott Bonvoy Brilliant American Express CardBONUS → 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
QUESTIONS · ANSWERS
Frequently filed.
With a 740 credit score (Very Good Credit), you have 51 rewards card options. Our top pick is the Chase Sapphire Preferred Card, which offers 1x points on all purchases.