Who Has a 746 Credit Score?

According to 2023 Experian data, here are the average FICO scores by generation:

• Generation Z (ages 18-26): 680
• Millennials (ages 27-42): 690
• Generation X (ages 43-58): 709
• Baby Boomers (ages 59-77): 745
• The Silent Generation (ages 78+): 760

Credit Cards With a 746 Credit Score

A credit score of 746 places you firmly in the "good" credit range, which is a strong position to be in when applying for new credit. Lenders view this score favorably, meaning you'll likely have high approval odds for a wide array of credit cards, including many premium rewards and travel cards. Not only will you have access to better cards, but you're also more likely to qualify for lower interest rates and more attractive benefits than someone with a lower score.

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Kudos can help you sift through the options with its personalized recommendation engine, which matches your financial preferences to the best cards for your needs. The platform considers your credit profile and allows you to compare top options side-by-side, ensuring you find a card that aligns with both your score and your spending habits.

Auto Loans and a 746 Credit Score

With a 746 credit score, you fall into the "prime" borrower category, which positions you favorably in the eyes of auto lenders. This means you can generally expect to qualify for competitive interest rates and favorable loan terms on both new and used vehicles.

According to a 2025 market analysis, here are the average auto loan interest rates broken down by credit score:

• Super-prime (781-850): 5.25% for new cars and 7.13% for used cars.
• Prime (661-780): 6.87% for new cars and 9.36% for used cars.
• Non-prime (601-660): 9.83% for new cars and 13.92% for used cars.
• Subprime (501-600): 13.18% for new cars and 18.86% for used cars.
• Deep subprime (300-500): 15.77% for new cars and 21.55% for used cars.

Mortgages at a 746 Credit Score

With a 746 credit score, you are in a strong position to qualify for nearly any type of home loan. This score is well above the typical minimums for conventional, FHA, VA, USDA, and even jumbo loans. Lenders will view you as a reliable borrower, opening up a wide array of mortgage products to choose from.

This excellent score directly translates to significant benefits. You can expect to secure a much lower interest rate than borrowers with scores in the 600s, potentially saving you thousands over the life of the loan. You'll also likely face an easier approval process, enjoy lower private mortgage insurance (PMI) premiums, and may even have some negotiating power with lenders.

What's in a Credit Score?

Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but it generally boils down to a handful of key financial habits. Here are the most common factors that determine your score:

• Your history of making payments on time is the most significant factor.
• The amount of your available credit that you're currently using, known as your credit utilization ratio, plays a major role.
• How long you've had your credit accounts open contributes to the length of your credit history.
• Lenders like to see that you can responsibly manage a variety of credit types, such as credit cards and loans.
• Opening several new credit accounts in a short period can be seen as a risk and may temporarily lower your score.

How to Improve Your 746 Credit Score

No matter your starting point, it's always possible to improve your credit score. Even with a very good score of 746, employing a few proven methods can help you reach the excellent tier.

• Reduce your credit utilization ratio. This is one of the fastest ways to see a score increase, and for a 746 score, getting your utilization well below 30%—and ideally under 10%—can be the key to reaching the excellent tier.
• Monitor your credit reports regularly. This helps you spot and dispute inaccuracies or fraudulent activity that could be holding your score back, as protecting a high score from errors is just as important as building it.
• Limit new hard inquiries. While it's tempting to apply for new premium cards, too many hard inquiries in a short period can temporarily lower your score, so being strategic about applications protects the score you've already built.
• Diversify your credit mix. Lenders like to see that you can responsibly manage different types of credit, not just credit cards, so if your profile lacks variety, adding an installment loan could provide a meaningful boost.

For help managing your credit and maximizing rewards, the Kudos browser extension can be a valuable financial companion.