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 · 0 cards matched

Best secured cards for a 700 score.

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

A 700 score is considered very good credit. Very good — eligible for most cards including premium travel and high-limit options. You may want to consider building your score first.

No secured cards currently match this score. Try a different desk or build your file with a secured option.

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.

No cards match this criteria. Try a different category or score.

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, secured card options may be limited. Consider building your score or looking at secured card options.