The 7 Best Credit Cards for a 720 Credit Score

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If you have a 720 credit score, congratulations! This is a great credit score and can open the door to a wide range of financial options.

A 720 credit score can qualify you for some of the better credit cards on the market. These cards come with excellent rewards, low-interest rates, and generous sign-up bonuses.

This blog post will look at the best credit cards for a 720 credit score.

Best for Travel: Chase Sapphire Preferred® Card (review)

Best No Annual Fee: Chase Freedom Unlimited® (review)

Best for Rent & Dining: Bilt Mastercard® (review)

1. Chase Sapphire Preferred® Card

Best for Travel Rewards

Best Starter Travel Card
Chase Sapphire Preferred® Card
  • bonus_miles_full
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 2x Points on All Other Travel Purchases
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card (review) is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases

Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription when activated by December 31, 2024, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

2. Chase Freedom Unlimited®

Best for No Annual Fee

No Annual Fee

card_name

  • bonus_miles_full
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants and Drug Stores
  • 1.5% Cash Back on All Other Purchases
  • 0% Intro APR for 15 Months (After that, a reg_apr,reg_apr_type APR.)
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Unlimited® (review) is a good no-annual fee credit card option that offers 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back at restaurants, takeout, eligible delivery services, and on drugstore purchases. Plus it offers 1.5% cash back on all other eligible purchases.

The card also offers nice benefits such as purchase protection, extended warranty, trip cancellation/interruption insurance, and secondary rental car insurance.

3. Bilt Mastercard®

Best for Rent and Dining

No Annual Fee
Bilt Mastercard®
  • Pay Rent Without Fees and Earn 1 Point Per Dollar on Rent (up to 100,000 Points Per Calendar Year)
  • No Annual Fee
  • 3x Points on Dining
  • 2x Points on Travel
  • Transfer Rewards to Airlines and Hotels
  • Cell Phone, Primary Rental Car, and Trip Delay Insurance
Learn More Our Review

Bilt Mastercard® is a no-annual-fee credit card that allows you to pay rent without a transaction fee and earn 1 point per dollar on rent (up to 50,000 points per calendar year).

You also earn 3x points on dining, 2x points on travel, and 1x points everywhere else.

The Bilt Rewards card also has great benefits for a no-annual fee card, including cell phone insurance, primary rental car insurance, 90-day purchase protection, trip delay insurance, trip cancellation insurance, and no foreign transaction fees. 

Plus, you can transfer your points to airline and hotel partners such as United Airlines, American Airlines, and World of Hyatt. Or redeem the points for travel or at Amazon.

4. Capital One Venture Rewards Credit Card

Best for Everyday Spending

2x Miles on Everyday Spending
Capital One Venture Rewards Credit Card
  • bonus_miles_full
  • 5x Miles on Hotels and Rental Cars via Capital One Travel
  • 2x Miles Everywhere Else
  • 2 Free Visits to Capital One Lounges Each Year
  • Global Entry or TSA Pre-Check Credit
  • Hertz 5-Star Elite Status
  • Rental Car Insurance and Extended Warranty
  • $95 Annual Fee
Learn More Our Review

The Capital One Venture Rewards Credit Card is a travel rewards credit card that earns an unlimited 2 miles per dollar on all purchases and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

The card also comes with a range of travel benefits, including secondary rental car, no foreign transaction fees, and extended warranty coverage.

Plus, you also get two complimentary passes to visit Capital One lounges each year and an application fee credit for Global Entry or TSA PreCheck (up to a $100 credit every four years).

5. Blue Cash Preferred® Card from American Express

Best for U.S. Supermarkets & Streaming

6% Cash Back at U.S. Supermarkets and on U.S. Streaming
Blue Cash Preferred® Card from American Express
  • bonus_miles_full
  • 6% Cash Back at U.S. Supermarkets (up to $6,000 per year; 1% thereafter) and on Select U.S. Streaming
  • 3% Cash Back on Transit, Ridesharing, Parking, and at U.S. Gas Stations
  • $0 Intro Annual Fee for the First Year, then $95 (rates & fees).
Learn More Our Review
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The Blue Cash Preferred® Card from American Express (review) offers an outstanding 6% cash back rewards for purchases at U.S. supermarkets (up to $6,000 per year; 1% thereafter) and on U.S. streaming services, making it perfect for anyone who wants to maximize earnings from everyday expenses. 

Plus, the card offers 3% cash back on transit, rideshare, parking, and at U.S. gas stations.

6. Citi® Double Cash Card

Best for Cashback

2% Cash Back & No Annual Fee
Citi® Double Cash Card
  • 2% Cash Back (1% on Purchases, 1% When You Pay)
  • 0% Intro APR on Balance Transfers for 18 months. After That, reg_apr,reg_apr_type.
  • No Annual Fee
Our Review Learn More
Non-Affiliate Link

The Citi® Double Cash Card – 18 month BT offer boasts a strong 2% rewards rate on purchases, where you get 1% back when you buy and 1% when you pay. 

This zero-annual-fee card offers a solid earning potential as long as you pay your balance on time, and it provides a simple way to rack up points with no bonus categories to track. 

You can also boost your rewards by also holding the Citi Premier® Card (review), which allows you to transfer points to airline and hotel programs. This combination effectively allows you to earn 2 airline miles per dollar on all spending with the Citi Double Cash.

7. United℠ Explorer Card

Best for United Airlines

2 United Club One-Time Passes Plus Free Checked Bags
United℠ Explorer Card
  • bonus_miles_full
  • 2X Miles on United Purchases, Dining, and Hotel Stays
  • 2 United Club One-Time Passes Per Year
  • Free First Checked Bags for Two People
  • Up to $100 Global Entry, TSA PreCheck, or Nexus Credit
  • 25% Savings on United In-Flight Food and Drinks
  • Priority Boarding
  • Primary Rental Car and Trip Delay Insurance
  • $0 Intro Annual Fee, Then $95 Per Year

Click Here to Learn How to Apply

The card_name (review) is one of my favorite cards to keep long-term because of the great benefits when flying United, including:

  • Free first checked bag when you pay using the Explorer card;
  • Two free United Club passes each account anniversary;
  • Priority boarding for you and companions on the same reservation; 
  • Extra award space when redeeming your United miles;
  • 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United; and
  • Premier upgrades on award tickets.

Even if you’re not a frequent United flyer, the money-saving perks and travel benefits of this card can still make it a worthwhile choice.

Besides the airline-specific benefits, the United Explorer card offers purchase protection, extended warranty, and trip cancellation/interruption insurance, providing peace of mind while traveling.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

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