Best Credit Cards for Very Good Credit (740-799) [2026]
Updated March 2026 • 10 cards compared
What to Expect with Very Good Credit (740-799)
Very good credit qualifies you for premium cards like the Chase Sapphire Preferred, Amex Gold, and Capital One Venture. You will typically receive higher credit limits and better APR offers.
Approval odds are estimates based on reported card requirements. Individual results vary. Check with the issuer for official eligibility requirements.
Best Credit Cards for Very Good Credit (740-799)
| # | Card | Issuer | Annual Fee | Reward Rate | Est. Min Score | Apply |
|---|---|---|---|---|---|---|
| 1 | JetBlue | Barclays | No fee | 1.0x | 670+ | Apply |
| 2 | Disney | Chase | No fee | 1.0x | 670+ | Apply |
| 3 | Platinum Rewards | PenFed | No fee | 1.0x | 670+ | Apply |
| 4 | VentureOne | Capital One | No fee | 1.0x | 670+ | Apply |
| 5 | AAdvantage MileUp | Citi | No fee | 1.0x | 670+ | Apply |
| 6 | AT&T Points Plus | Citi | No fee | 1.0x | 670+ | Apply |
| 7 | Spark 1.5% Miles Select | Capital One | No fee | 1.0x | 670+ | Apply |
| 8 | LATAM Airlines | First | No fee | 1.0x | 670+ | Apply |
| 9 | Strata | Citi | No fee | 1.0x | 670+ | Apply |
| 10 | Platinum Plus | Bank of America | No fee | 1.0x | 670+ | Apply |
Approval odds are estimates. Results vary. Verify eligibility requirements with the issuer.
How to Improve Your Credit Score
- Avoid closing old accounts — credit age is 15% of your score.
- Maintain a diverse mix of credit types (credit cards, auto loan, mortgage).
- Consider applying for a premium travel card to maximize rewards on large purchases.
Frequently Asked Questions
What credit cards are available for 740+ credit score?
With 740+ credit, you qualify for premium cards including Chase Sapphire Reserve, Amex Gold, Capital One Venture X, and most airline and hotel co-branded cards.
What is the best credit card for a 750 credit score?
Chase Sapphire Preferred and Capital One Venture Rewards are excellent for 750 scores. If you travel frequently, the Amex Platinum or Chase Sapphire Reserve may be worth the higher fee.
What credit limit will I get with very good credit?
With 740-799 credit, expect credit limits of $5,000-$25,000 on new accounts. Premium cards typically start at $10,000+.
Will I be approved for the Amex Platinum with 750 credit?
750+ is generally sufficient for Amex Platinum approval. Amex also heavily weighs income and existing customer history.
How do I reach an 800 credit score?
From 740, reaching 800 typically requires 2-4 more years of perfect payment history, keeping utilization below 5%, and avoiding hard inquiries.