Card options for 670-739 (good credit)
In this range, evaluate better APRs and richer rewards, but keep an eye on total annual cost and redemption value.
What are card options for 670-739 (good credit)?
What are card options for 670-739 (good credit)? In this range, evaluate better APRs and richer rewards, but keep an eye on total annual cost and redemption value.
Recent denial mode: options with higher denial risk are deprioritized.
Recommended path
Decision checklist for this range
- Prioritize predictable fees and transparent terms over aggressive reward marketing.
- Apply only when utilization and payment behavior are stable for recent cycles.
- Use one clear next step: compare cards, read the matching guide, then run the tool.
Top picks for this score band
Snapshot from Best Credit Cards for Fair Credit. Rankings prioritize fit and transparent terms for your range.
Capital One Platinum
Best unsecured starter at 580+
- APR / premium
- ~29.99% variable · $0 annual fee
- Credit
- Fair (580+)
Warning: Hard credit check — weaker fit after a recent denial
Petal® 2 Visa®
Cash-flow underwriting for thin files
- APR / premium
- ~17.74%–31.74% variable · $0 fees
- Credit
- Fair to good (580+)
Warning: Hard credit check — weaker fit after a recent denial
Chase Freedom Rise℠
Existing Chase customers
- APR / premium
- ~28.49% variable · $0 annual fee
- Credit
- Building credit (~620+)
Warning: Hard credit check — weaker fit after a recent denial
Capital One QuicksilverOne
Real rewards on an unsecured line
- APR / premium
- ~29.99% variable · $39 annual fee
- Credit
- Fair (~630+)
Warning: Hard credit check — weaker fit after a recent denial
Mission Lane Visa®
Backup if Capital One declines you
- APR / premium
- ~29.99%–33.99% variable · $0–$59 annual fee
- Credit
- Fair (580+)
Warning: Hard credit check — weaker fit after a recent denial
| Product | Best for | APR / premium | Credit | Rating | Actions |
|---|---|---|---|---|---|
| Capital One Platinum | Best unsecured starter at 580+ | ~29.99% variable · $0 annual fee | Fair (580+) | 8.4 out of 10 Approval: High Warning: Hard credit check — weaker fit after a recent denial | Apply now |
| Petal® 2 Visa® | Cash-flow underwriting for thin files | ~17.74%–31.74% variable · $0 fees | Fair to good (580+) | 8.6 out of 10 Approval: High Warning: Hard credit check — weaker fit after a recent denial | Apply now |
| Chase Freedom Rise℠ | Existing Chase customers | ~28.49% variable · $0 annual fee | Building credit (~620+) | 8.2 out of 10 Approval: High Warning: Hard credit check — weaker fit after a recent denial | Apply now |
| Capital One QuicksilverOne | Real rewards on an unsecured line | ~29.99% variable · $39 annual fee | Fair (~630+) | 8.0 out of 10 Approval: High Warning: Hard credit check — weaker fit after a recent denial | Apply now |
| Mission Lane Visa® | Backup if Capital One declines you | ~29.99%–33.99% variable · $0–$59 annual fee | Fair (580+) | 7.8 out of 10 Approval: High Warning: Hard credit check — weaker fit after a recent denial | Apply now |