Will applying for a credit card hurt my 720 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.

720

Very Good Credit · 0 cards matched

Best secured cards for a 720 score.

Q: Is a 720 credit score good enough for a secured card?

A 720 score is considered very good credit. Very good — approved for nearly all cards with competitive terms and higher limits. 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 — approved for nearly all cards with competitive terms and higher limits

Apr 6, 2026

What 720 means.

At 720, you are in strong territory within the very good range. Nearly every credit card is within reach, and you will receive more competitive APRs and higher credit limits. Issuers actively compete for cardholders at this score level with their best offers.

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