750 Credit Score: Is It Good or Bad?

A 750 score is considered excellent. You will get among the very best rates on loans and credit cards.
Amrita Jayakumar
By Amrita Jayakumar 
Edited by Kathy Hinson
750 Credit Score: Is It Good or Bad?-story

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

A 750 credit score is considered excellent and above the average score in America. Your credit score helps lenders decide if you qualify for products like credit cards and loans, and your interest rate.

You are one of the 48% of Americans who had a score of 750 or above as of April 2023, according to credit scoring company FICO.

FICO Blog. Average U.S. FICO Score at 718. Accessed Dec 19, 2023.

Here’s how your 750 credit score can affect your financial life.

Get score change notifications
See your free score anytime, get notified when it changes, and build it with personalized insights.

You can get the best rates on loans and credit cards

When your score is 750, you can rest easy that you will qualify for most financial products and get among the very best rates on them. A 750 credit score is considered excellent on commonly used FICO and VantageScore scales, which range from 300 to 850.

The exception is if you are new to credit because a high score isn't always enough. The length of your credit history and how much debt you carry relative to your income also matter.

Read more about the factors that influence your score to understand how to snag the best rates and terms.

How to safeguard your 750 credit score

You already practice good credit habits, but there are ways to safeguard your score and possibly take it higher:

  • Consider setting up automatic payments. A single late payment can knock as much as 100 points off your credit score. If you haven’t set up automatic payments, consider doing so to avoid the risk of missing a payment.

  • Keep an eye on your credit utilization. The lower your credit card balances are compared with your credit limits, the better it is for your score.

  • Look for errors on your credit reports. There may be mistakes on your report that prevent your score from going higher. Check your reports at all three major credit bureaus and dispute any errors you find.

Track your credit score with the NerdWallet app
Track your budget, finances and credit - all in one place and all for free.