Le migliori carte di credito se il tuo punteggio FICO è compreso tra 700 e 749

Summary of the best credit cards if your FICO score is between 700-749

In the table below, we summarized the main information for each of the cards we presented as the best cards if your FICO Score is between 700 and 749:

*5% cash back categories have a $1,500 max spend and require quarterly activation

How we came up with this list

We used six criteria to come up with our list of the nine best credit cards if your FICO Score is 700 to 749:

• Annual fee.
• APR range.
• 0% introductory APR.
• Sign-on bonus offer.
• Rewards.
• Other features.

The cards we selected offer the best combination of these features, even if each doesn’t offer all six.

• What is good/excellent credit?
• How to find the best credit cards if your FICO score is 700 to 749
• The most important features of credit cards if your FICO score is between 700 and 749
• What to do before applying for a credit card if your FICO score is 700 to 749
• How to properly use a credit card for good/excellent credit
• Tips to maintain or improve your credit
• FAQs
• Compare more recommended credit cards

What is good/excellent credit?

Good/excellent credit is another of those credit blocks that isn’t necessarily defined by the three major credit bureaus. Experian lists the 700 to 749 score range as floating between good and very good (but not excellent).

What factors affect your credit score?

Your credit score is comprised of five factors:payment history, amounts owed, length of credit history, new credit, and credit mix.

If your FICO Score is 700 to 749, you’re probably perfect or near-perfect in the payment history category. At worst, you may have one or two 30-day late payments in your distant past, but nothing recent.

In this credit score range, credit utilization ratio is likely to be a bigger factor. It’s the amount you owe on your credit cards, divided by your total credit card limits.

For example, if you owe $5,000 in credit card debt, and you have $20,000 in credit card limits, your credit utilization ratio was 25%. Any number below 30% is considered good.

How to find the best credit cards if your FICO score is 700 to 749

If you’re in this credit score range, the best credit cards aren’t hard to find. Nearly all types of cards will be available to you.

At this credit score range, it will be less a matter of finding cards you qualify for, and more about selecting the ones you like best.

What’s more, traditional factors, like annual fee and interest rate become less important. Credit cards in the 700 to 749 range offer the kinds of perks that can actually enable you to come out ahead in using the card. That is, the rewards and benefits will be higher than the annual fee, and even the interest expense if you make a habit of not carrying an outstanding balance.

This guide will offer nine different credit cards if your FICO Score is 700 to 749. You can simply choose the card (or cards) that offer the best combination of rewards and benefits for you.

Most important features of credit cards if your FICO score is 700 to 749

Let’s take a deeper look at the six criteria listed above.

Annual percentage rate—APR

If your FICO Score is 700 to 749 you’ll be presented with an interest rate range. Something typical would be 14.74% to 24.74%.

If your credit score is closer to 750, you may get a lower rate. If it’s just above 700, you may pay the higher rate.

The annual fee

Some cards on our list have no annual fee, but a few do. Among those that do, the maximum is $95.

Though it would be preferable to take a card with no annual fee, you have to weigh the benefits the card offers. Those benefits may be more generous on a card that has an annual fee than one that doesn’t.

0% introductory APR

This is a common feature in cards offered in the good/excellent credit range. A credit card issuer may provide a 0% APR for anywhere from six months to 18 months. It usually applies to balance transfers, but may also include purchases.

This offer will be more attractive to someone who has high interest credit card balances they want to transfer. If you don’t, it may not offer much incentive to take the card.

Sign-up bonus offer

These are very common for credit cards in the good/excellent credit range. In fact, they’re one of the main reasons consumers select one card over another.

All the cards on our list provide a sign-up bonus. Some are more generous than others, but that doesn’t make them better cards. A card with better ongoing rewards may be preferable to one with a very generous sign-on bonus offer.

Credit card rewards

These are the ongoing rewards, like 1% cash back on all purchases, or 5% cash back on select purchases.

In the second case, a credit card may offer you enhanced cash back rewards or points on certain categories. These categories usually change on a quarterly basis, and can apply to gas, groceries, restaurant meals, or other spending categories.

As attractive as sign-up bonuses are, ongoing rewards are a better reason to choose a credit card. They’re what you’ll be left with after the bonus offer has been completed.

Additional card benefits

These are the other benefits typical to credit cards. They can include collision damage waiver on auto rentals, $0 fraud liability for unauthorized charges, free credit scores, and other perks.

What to do before applying for a credit card if your FICO score is 700 to 749

Even if you’ve been in the 700 to 749 credit score range for a long time, never assume that’s still the case. Credit scores are a moving target! The score you have today will be different a month from now, and again a year from now.

For that reason, there are a few steps you should take before you even make application for a credit card.

Check your credit

You should always be monitoring your credit, at least to know if there are errors or any fraudulent activity. But it’ll be a big advantage when you’re about to apply for credit. It will give you a chance to know what your credit is before the lender does.

You can do this by using free credit score providers, and you should sign up for one if you haven’t already.

Research available cards for your credit score

The first step is to identify those cards designed specifically for good/excellent credit. You’ve already taken that step by coming to this guide.

Don’t apply for multiple credit cards

This is standard advice any time you apply for credit of any type (except mortgages). If you put in multiple applications, you can actually hurt your chance of being approved and even catapult your score back to the bad credit range.

Each lender will have access to your credit report, which will show that you’ve applied elsewhere. Those applications will show up as credit inquiries. Too many inquiries can actually drop your credit score. Maybe it won’t be by a lot, but it could be enough to put you into a bad credit score range.

Pick the card you want most, and apply for it. If you’re turned down, or you don’t like the terms, only then should you apply for another card.

Credit card features to consider if you have good/excellent credit

There are a few factors that come into play with the good/excellent credit range.

The annual fee debate

You certainly can get credit cards with no annual fee. But as discussed earlier, that doesn’t automatically make them a better choice. If ongoing rewards are more generous with a card that charges an annual fee, it might be the better choice over the card with no annual fee.

Rewards should match your spending patterns

If you’re not a frequent traveler, it will make little sense to get a card that provides generous travel rewards. As you probably won’t take advantage of them, it’ll be just another credit card.

Also, look very carefully at any qualifications for the rewards. Many credit cards in the good credit score to excellent credit score range make their most generous rewards offers on select categories. If you use those categories normally, it will make sense to take the card. But if you don’t, you won’t earn the rewards.

Cash back vs. rewards points or miles

Rewards come in three flavors:cashback, points, and miles.

Points and miles are typically associated with travel rewards. Once again, if you’re a frequent traveler, this type of rewards package will be attractive. Understand that it’s typical with travel rewards that they’re primarily earned through travel purchases, and redeemed in the same category.

If you’re not a frequent traveler, cash back rewards are definitely the way to go. You can generally earn them through regular purchase activity, and redeem them for cash, or a statement credit (which can be applied in a number of ways).

Frequent credit card use is required to take full advantage of rewards

Depending on the rewards offered, earning them can be a bit complicated. It may be easy in the first year, due to a generous sign-on bonus. But the ongoing rewards aren’t always so easy.

Take travel rewards, for example. If a travel rewards card offers two points for every $1 you spend, you’ll have to spend $1,000 per month to earn 2,000 points. In one year’s time, you can earn 24,000 points spending at that level, equal to $240 in travel purchases.

But the critical connection is being able to spend at that level every month. If you don’t normally use a credit card, you may not accumulate a meaningful number of points.

How to properly use a credit card for good/excellent credit

One of the main goals of a credit card when you’re in the 700 to 749 credit score range is to reap the benefits without doing anything that might cause your credit score to drop.

We recommend these strategies:

Pay off your balance quickly and regularly

Credit card rewards can actually enable you to earn money through your credit card usage. But if you carry a balance on your card, and have to pay an interest rate of close to 2% per month, it’s likely the rewards will be more than offset by interest expense.

To get the maximum results from the rewards, pay off your balance each and every month. That will make the rewards a pure benefit.

Charge no more than you can easily repay when the bill comes in

This really gets to the mechanics of paying off your balance each month. If you have room in your budget to pay $500 per month toward your credit card bill, then that’s as much as you should charge on it. It makes it less likely you’ll need to carry a balance.

Remember, using a credit card responsibly does not mean maxing out your available credit every month!

High-spend credit cards

Credit card issuers make the most money on people who make frequent use of their cards and carry large balances. They’ll use a combination of high credit limits, generous rewards, and a 0% APR introductory offer.

This is an outcome you must resist. If the combination of the above three benefits cause you to run your credit card balance up to $10,000, and you have an interest rate of 20%, you’ll be paying $2,000 per year in interest, at least once the 0% introductory offer term ends.

Watch out for the balance transfer trap!

A 0% introductory APR is an outstanding benefit to have, but only if you use it the right way. And the right way is to pay off any balance transferred before the 0% APR introductory term ends.

To do otherwise is to put yourself in a potential trap.

Here’s why…

• Balance transfer fees. Credit cards routinely charge an upfront fee of between 3%-5% of the balance transferred. If you transfer $10,000, that will be $300 to $500, paid up front.
• The 0% introductory APR could convince you to keep the balance outstanding—after all, it won’t be costing you any money.
• The 0% introductory APR will end, and then you’ll be subject to the regular interest rate. It’s possible that rate will be higher than the one you’re paying on the card you transferred the balance from.

If you won’t be able to pay the balance in full within the introductory term you might want to avoid a balance transfer entirely. In that situation, it’ll just be moving debt from one credit line to another—with an interest rate reprieve in the middle.

Tips to maintain or improve your credit

As noted earlier, your good/excellent credit score isn’t a permanent feature. There are a number of events that could knock it down a few points (or more than a few points) and drop you back below 700.

We recommend these strategies to avoid that outcome (and maybe even build a higher credit score):

Monitor your credit score from now on

Credit card companies aren’t the only ones that can perform a credit check. In fact, you should do this at least on a monthly basis. That will give you an opportunity to identify any irregularities immediately.

Brand-new issues are easier to fix than those that have been sitting for a few months or years. The information will be fresh on your mind, and you’ll likely have documentation to prove your case.

Dispute any errors promptly

If there are any errors on your report, you need to dispute them immediately. Contact the creditor, open a dispute, and provide documentation supporting your claim. Have the creditor provide written confirmation of the error, then ask them to report the corrected information to all three credit bureaus.

Wait 30 days and pull your credit again. If the error still appears, write a letter to each of the three credit bureaus (Equifax, TransUnion, and Experian), and include a copy of the creditor’s letter acknowledging the error. Based on that letter, the credit bureaus can remove the error and fix your credit report.

Pay ALL your bills on-time

If your credit score is over 700, you’re probably doing this faithfully. At the same time, you should be aware that a single late payment could have a serious negative effect on your credit rating.

Set up automatic debits for any recurring payments you have. You should do this even with rent and utility payments. Though they won’t report to credit bureaus in the normal course, they will report unpaid balances. Automatic debits will eliminate that possibility.

FAQs on best credit cards if your FICO score is between 700-749

Compare more recommended credit cards

• See our recommended credit cards (all credit levels)
• See our recommended cash back credit cards
• See our recommended low APR credit cards

Is your credit score not between 700 and 749? Find more top credit cards for your credit score (FICO score) range:

• Best credit cards for a credit score above 750
• Best credit cards for a credit score between 650 – 699
• Best credit cards for a credit score between 600 – 649
• Best credit cards for a credit score under 599

Note:According to our research, these credit cards offer the best chance of approval for applicants with credit scores of 700, 701, 702, 703, 704, 705, 706, 707, 708, 709, 710, 711, 712, 713, 714, 715, 716, 717, 718, 719, 720, 721, 722, 723, 724, 725, 726, 727, 728, 729, 730, 731, 732, 733, 734, 735, 736, 737, 738, 739, 740, 741, 742, 743, 744, 745, 746, 747, 748 and 749. This does not mean guaranteed approval as credit decisions take into factors other than FICO score.