Maintaining a credit score of 670 is an impressive feat, putting you in the “good” credit range. With this score, you’ve proven your creditworthiness and opened the door to some of the best credit card offers on the market. If you’re looking to maximize rewards, build credit history, or simply enjoy premium perks, there’s a perfect plastic companion waiting for you. Let’s dive into the world of credit cards tailored for those with a 670 score.
Unlocking Premium Rewards: Credit Cards for 670 Scores
A 670 credit score is the key that unlocks a world of rewards and benefits. Credit card issuers recognize the creditworthiness of individuals in this range and offer enticing sign-up bonuses, elevated earning rates, and exclusive perks. With a good credit score like yours, you have access to premium rewards credit cards that can supercharge your spending game.
Premium rewards cards cater to those who love to travel, dine out, or simply enjoy the finer things in life. These cards often come with generous sign-up bonuses, which can amount to hundreds of dollars in travel credits or cash back after meeting the minimum spend requirement. For example, the Chase Sapphire Preferred currently offers a sign-up bonus worth up to $750 in travel credits when you spend $4,000 in the first 3 months.
Additionally, you’ll earn elevated rewards rates on popular spending categories, allowing you to rack up points or miles at an accelerated pace. The American Express Gold Card, for instance, offers 4X points on dining worldwide and at U.S. supermarkets (up to $25,000 per year, then 1X), making it an excellent choice for foodies and families alike.
Top-Tier Travel Cards for the 670 Club
If you’re a frequent traveler or have a serious case of wanderlust, consider applying for a top-tier travel credit card. These cards are designed to make your journeys more comfortable, rewarding, and memorable. With a 670 credit score, you’ll have access to some of the best travel cards on the market.
One card that stands out is the Chase Sapphire Preferred, which we mentioned earlier. In addition to its generous sign-up bonus, this card offers 2X points on travel and dining purchases, making it an excellent choice for those who love to explore new destinations and savor local cuisines. You’ll also receive valuable travel protections, such as trip cancellation/interruption insurance, auto rental collision damage waiver, and baggage delay insurance.
Another popular option is the Citi Premier Card, which offers a substantial sign-up bonus and 3X points on gas, airfare, hotels, and restaurants. This card also comes with an annual hotel credit and access to the Citi Entertainment program, which provides exclusive access to concerts, sporting events, and more. Additionally, the Citi Premier offers valuable travel protections, including trip cancellation/interruption insurance and auto rental collision damage waiver.
Cash Back Kings: Maximizing 670 Score Spending
While travel rewards are enticing, some prefer the simplicity and flexibility of cash back. Fortunately, with a 670 credit score, you’ll have access to some of the best cash back credit cards on the market. These cards can help you earn generous rewards on your everyday purchases, effectively putting money back in your pocket.
One standout option is the Citi Double Cash Card, which offers an impressive 2% cash back on all purchases – 1% when you buy and 1% when you pay your bill. This card has no annual fee and is an excellent choice for those who want to earn consistent rewards without dealing with rotating categories or complicated earning structures.
If you’re looking for a card with bonus categories, consider the Bank of America Cash Rewards Credit Card, which offers 3% back in a category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings) and 2% back at grocery stores and wholesale clubs. This card also comes with a generous sign-up bonus and a 0% introductory APR on purchases for the first 15 billing cycles.
Another fantastic option is the Discover It Cash Back, which offers 5% cash back in rotating quarterly categories (upon activation, on up to $1,500 in purchases per quarter) and 1% back on all other purchases. Plus, Discover will match the cash back you’ve earned after the first year, effectively doubling your rewards.
While you’ve already achieved a good credit score of 670, it’s essential to continue building your credit history. A longer credit history can further solidify your creditworthiness and potentially open up even more opportunities in the future. Choosing the right credit card can be instrumental in this process.
If you’re a recent graduate or new to credit, consider applying for a starter card like the Discover It Student Cash Back Card. This card offers generous cash back rewards, including 5% back in rotating quarterly categories (upon activation, on up to $1,500 in purchases per quarter) and 1% back on all other purchases. Additionally, Discover will match the cash back you’ve earned after the first year, effectively doubling your rewards.
Another excellent option for those looking to build credit is the Capital One SavorOne Cash Rewards Credit Card. This card offers 3% cash back on dining and entertainment, 2% back at grocery stores, and 1% back on all other purchases. It also comes with a generous sign-up bonus and no annual fee, making it an attractive choice for those just starting their credit journey.
When building credit, it’s crucial to practice responsible credit utilization. This includes keeping your credit card balances low (ideally below 30% of your total credit limit), making payments on time, and monitoring your credit report regularly for any errors or suspicious activity. By doing so, you can maintain and potentially improve your 670 credit score, opening up even more opportunities for premium credit products in the future.
It’s also worth noting that some credit card issuers, such as Chase, have strict approval criteria known as the 5/24 rule. This means that if you’ve opened five or more new credit card accounts within the past 24 months (across all issuers), your application may be automatically denied. It’s essential to be mindful of this rule and strategically plan your credit card applications to ensure success.
In the ever-evolving world of credit cards, staying informed and being strategic is key. With a 670 credit score, you’ve already established a solid foundation, but there’s always room for improvement. By choosing the right credit cards, practicing responsible credit habits, and monitoring your credit report regularly, you can continue to build a strong credit profile and unlock even more opportunities in the future.
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