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Is 740 a good credit score? The short answer is: yes! If you have a credit score of 740, you should pat yourself on the back. Many banks consider this score the start of “excellent credit.” This means you can start qualifying for some of the best credit cards for 740 credit score.
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
Best Credit Cards for 740 Credit Score 2021
- Chase Sapphire Preferred® Card
- Capital One Venture Rewards Credit Card
Best Credit Cards for 740 Credit Score
You have worked hard to improve your score to get a better rewards credit card. These cards offer better purchase rewards and card benefits than “starter credit cards to build credit score.”
In most cases, you might qualify for these cards with a 720 credit score. But, your approval odds are better with a 740 credit score or higher. It’s possible to receive an instant approval decision. Or, you may qualify for a higher credit limit. Either way, you likely have a number of options available.
Let’s take a look at what a 740 credit score can get you.
Chase Sapphire Preferred Card
There is an ocean of travel rewards cards to choose from. One credit card that you should definitely consider is the Chase Sapphire Preferred® Card. You will especially like this card for its travel bonus when booking travel through Chase Ultimate Rewards and if you want flexibility in redeeming and earning travel rewards. Here are five reasons why you should have the Chase Sapphire Preferred as your next credit card.
1. Sign-Up Bonus
The sign-up bonus for the Chase Sapphire Preferred® Card is awesome as well.
The Chase Sapphire Preferred® Card currently has an offer of 60,000 Ultimate Rewards points after spending $4,000 in the first 3 months from account opening, worth $750 when you redeem through Chase Ultimate Rewards®.
Or, you can also transfer the points to one of the 1:1 travel partners where 60,000 Chase points becomes 60,000 Southwest points or 60,000 Marriott points, for example.
As an added bonus, you will never pay a foreign transaction fee. Check out this post if you’re interested in knowing what credit score you will need for the Sapphire Preferred.
2. Flexible Redemption Options
The Chase Sapphire Preferred® Card earns rewards points called Ultimate Rewards. If you are unfamiliar with this program, it’s arguably the best transferrable travel rewards points program. Not only do you earn points for every dollar spent on travel and dining, but you can also redeem them for just about anything.
Also, enjoy new Chase Sapphire benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 2x points on all other travel purchases, plus more.
Additional Chase Sapphire Preferred benefits include unlimited deliveries with no delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with a DoorDash DashPass subscription. Activate your card by December 31, 2021.
Cardholders also earn 5x points on Lyft rides, through March 2022.
Additionally, cardholders can earn up to $60 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021.
Points are worth 25% more now through March 31, 2022, when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature.
Chase Ultimate Rewards points are most valuable when you redeem them for award travel. If you use the Chase Ultimate Rewards travel portal, they are worth 1.25 cents each (10,000 points are worth $125). Most travel rewards programs are doing good to make your points worth 1 cent each (10,000 points are worth $100). And, if you don’t have enough points to pay for an entire reward travel purchase, you can pay with points and cash.
Capital One Venture Rewards Credit Card
Another leading flat-rate travel rewards credit card is the Capital One Venture Rewards Credit Card. You earn 2x miles on all purchases. While you don’t get a 5% travel statement credit redemption bonus, you can redeem Venture miles for past travel purchase or booking future trips. A new redemption option is airline point transfers.
Another card benefit you might enjoy is a fee credit for Global Entry or TSA PreCheck. This is a good option for those people who have a 740 credit score.
New Capital One Venture Rewards Credit Card cardholders can earn 60,000 miles after spending $3,000 on purchases in the first 3 months.
Learn more: Travel Rewards Credit Cards
The Platinum Card from American Express
Frequent flyer mile chasers should consider The Platinum Card® from American Express.
If you’re not loyal to a certain airline or need free checked bags, this is for. You can also transfer them to airline partners like British Airways, Delta, JetBlue, Emirates, and Etihad.
Cardholders earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when paying with their Platinum Card®.
Also, get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
If you ride Uber or use Uber Eats, this credit will make you happy. Cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Members only.
Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
Other Platinum Card from American Express Benefits
There’s also a new digital entertainment credit. Cardholders can get up to $20 in statement credits each month when you pay for eligible purchases with The Platinum Card® from American Express at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Cardholders can use their Card and get up to $179 back per year on their CLEAR® membership. Terms apply.
Another exciting new benefit is the ability for cardholders to enjoy up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. This amounts to up to $300 annually. Enrollment required.
There is also a $155 Walmart+ credit to enjoy. This covers the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
Get the full details and learn more in our in-depth The Platinum Card from American Express review.
The annual fee is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400.
New The Platinum Card® from American Express cardmembers can earn 100,000 Membership Rewards® Points after spending $6,000 on purchases on the Card in the first 6 months of Card Membership. New cardholders also earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership. Terms apply.
Learn more: Johnny Jet Recommended Credit Cards
American Express Gold Card
Maybe you want a “lifestyle rewards” credit card that earns bonus points on travel and food purchases. The revamped American Express® Gold Card earns up to 4x Membership Rewards® points on these purchases:
- 4x points at US supermarkets (on up to $25,000 per year in purchases, then 1X)
- 4x points at restaurants, including takeout and delivery
- 3x points on airfare booked directly from airlines or AmexTravel.com
- 1x point on all other purchases
- Terms apply
The most valuable point redemptions are for award travel, gift cards, and 1:1 airline partner transfers. Another American Express Gold Card benefit you might enjoy includes $120 in dining credits ($10 per month at select restaurants and delivery services). Enrollment is required.
American Express® Gold Card cardholders can also get up to $120 in Uber Cash annually. Plus, you’ll earn 4x Membership Rewards® points for each Uber Eats purchase on your card. To use this perk, simply add your card to your Uber account and you’ll automatically get $10 in Uber Cash each month in your Uber account for U.S. Uber Eats orders or U.S. Uber rides. Any unused Uber Cash expires at the end of each month (it does not roll over to the next month).
Cardholders also get up to 12 complimentary months of Eats Pass when you subscribe with your American Express Gold Card. That’s a value of up to $119 annually (based on the $9.99 monthly price over 12 months). With the Uber Eats Pass, you can get unlimited $0 Delivery Fees and 5% off orders over $15 at eligible restaurants. Note that taxes and service fees may apply and do not count toward the order minimum.
This benefit applies only in the U.S. on U.S. orders at eligible restaurants and on eligible restaurant purchases.
Enrollment is required by 12/31/2021. After that, the Uber Eats Pass will begin auto-billing 12 months after your enrollment in this offer, at the then-current monthly price. Learn more about the Uber Eats partnership for more information.
The annual fee is $250 and there are no foreign transaction fees (See Rates & Fees).
New American Express® Gold Card cardholders can earn 60,000 Membership Rewards points after spending $4,000 on eligible purchases within the first 6 months. Also, Rose Gold is back! Cardholders can choose between Gold or Rose Gold.
Learn more: Johnny Jet Recommended Credit Cards
Southwest Rapid Rewards Priority Card
With a 740 credit score, you can also set your eyes on the flagship Southwest Rapid Rewards® Priority Credit Card. Cardholders earn unlimited:
- 3x points on Southwest® purchases
- 2x points on local transit and commuting, including rideshares
- 2x points on internet, cable, phone services, and select streaming purchases
New cardholders can earn the best Southwest points offer ever! New cardholders can earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
You also get these benefits:
- $75 Southwest annual travel credit
- Four Upgraded Bookings each year (when available)
- 25% back on inflight purchases
- 7,500 points anniversary bonus
A 740 credit score opens a lot of doors when applying for new credit. Even more open when it grows to 800. While earning better rewards, don’t forget to use free credit score monitoring to track your progress.
For rates and fees of The American Express® Gold Card, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
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