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Jane Parker, WalletHub Credit Card Advisor
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One of the best credit cards for a 720 credit score is the Wells Fargo Active Cash® Card. Wells Fargo Active Cash rewards cardholders with 2% cash rewards on purchases, plus $200 cash rewards after spending $500 in the first 3 months, and it has a $0 annual fee.
With a good credit score of 720 and a steady income, you should be able to get approved for some of the best credit cardson the market.
Best Credit Cards for a 720 Credit Score
Chase Sapphire Preferred® CardInitial Bonus: 75,000 bonus points for spending $4,000 in the first 3 months
Ongoing Rewards: 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases
Annual Fee: $95
Minimum Credit Required: Good
- Capital One Venture Rewards Credit Card
Initial Bonus: 75,000 miles for spending $4,000 in the first 3 months
Ongoing Rewards: 5 miles per $1 spent on hotels and rental cars booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, and 2 miles per $1 on all other purchases
Annual Fee: $95
Minimum Credit Required: Good
- Wells Fargo Active Cash® Card
Initial Bonus: $200 cash rewards after spending $500 in the first 3 months
Ongoing Rewards: 2% cash rewards on purchases
Annual Fee: $0
Minimum Credit Required: Good
- Citi Double Cash® Card
Initial Bonus: $200 for spending $1,500 in the first 6 months
Ongoing Rewards: 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24
Annual Fee: $0
Minimum Credit Required: Fair
- Capital One SavorOne Cash Rewards Credit Card
Initial Bonus: $200 for spending $500 in the first 3 months
Ongoing Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats through 11/14/2024)
Annual Fee: $0
Minimum Credit Required: Good
How a 720 Credit Score Affects Your Credit Card Selection
A 720 credit score will put you in the running for some ofthe best credit cards on the market, provided you meet the card’s minimum income requirements. You’ll have the luxury of having access to some of the besttravel,cash back, orfinancingcredit cards and tailoring your pick according to your needs.
Some of the very best cards, however,require excellent credit. That’s a credit score of 750 or better. To move up to that next level, maintain a history of timely payments and try reducing yourcredit utilizationbelow 30%. The lower the ratio, the bigger the jump inyour credit score. Also, avoid closing any credit cards or applying for new credit in a short period of time.
This answer was first published on 10/14/18 and it was last updated on 05/20/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
Capital One Venture Rewards Credit CardInitial Bonus: 75,000 miles for spending $4,000 in the first 3 months
Ongoing Rewards: 5 miles per $1 spent on hotels and rental cars booked through Capital One Travel, 5 miles per $1 spent on Capital One Entertainment purchases through 12/31/25, and 2 miles per $1 on all other purchases
Annual Fee: $95
Minimum Credit Required: Good
Wells Fargo Active Cash® CardInitial Bonus: $200 cash rewards after spending $500 in the first 3 months
Ongoing Rewards: 2% cash rewards on purchases
Annual Fee: $0
Minimum Credit Required: Good
Citi Double Cash® CardInitial Bonus: $200 for spending $1,500 in the first 6 months
Ongoing Rewards: 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases), plus 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24
Annual Fee: $0
Minimum Credit Required: Fair
Capital One SavorOne Cash Rewards Credit CardInitial Bonus: $200 for spending $500 in the first 3 months
Ongoing Rewards: 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats through 11/14/2024)
Annual Fee: $0
Minimum Credit Required: Good
How a 720 Credit Score Affects Your Credit Card Selection
A 720 credit score will put you in the running for some ofthe best credit cards on the market, provided you meet the card’s minimum income requirements. You’ll have the luxury of having access to some of the besttravel,cash back, orfinancingcredit cards and tailoring your pick according to your needs.
Some of the very best cards, however,require excellent credit. That’s a credit score of 750 or better. To move up to that next level, maintain a history of timely payments and try reducing yourcredit utilizationbelow 30%. The lower the ratio, the bigger the jump inyour credit score. Also, avoid closing any credit cards or applying for new credit in a short period of time.
Chase Freedom Unlimited®
Chase Freedom Unlimited®
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