Who Has a 750 Credit Score?

While a 750 credit score is considered very good, the average score varies significantly by age. As people get older, they typically have more time to build a positive credit history, leading to higher scores. Here’s a look at the average FICO score by generation, based on 2023 data from Experian:

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

Credit Cards With a 750 Credit Score

Having a 750 credit score places you squarely in the "excellent" credit tier, which significantly boosts your chances of approval for a wide range of credit cards. Lenders view this score as a sign of a reliable borrower, opening the door to some of the most sought-after cards on the market. Consequently, you can expect to qualify for premium travel rewards cards, generous cash-back offers, and cards with low introductory interest rates.

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Kudos offers tools like the Explore Tool and Dream Wallet, which use quizzes or analyze your spending habits to deliver personalized recommendations. By matching your financial profile against a database of nearly 3,000 cards, Kudos helps you find the ideal option to maximize rewards and suit your lifestyle.

Auto Loans and a 750 Credit Score

With a 750 credit score, you fall into the prime borrower category, which puts you in a strong position to get approved for an auto loan. Lenders typically offer competitive interest rates and favorable terms to applicants with scores in this range.

According to a 2025 auto loan analysis, average rates for new and used cars vary significantly 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 750 Credit Score

With a 750 credit score, you are in an excellent position to secure a home loan. Lenders view you as a low-risk borrower, making you eligible for nearly every type of mortgage available, including conventional, jumbo, FHA, VA, and USDA loans. According to a guide on credit scores, this strong standing makes your approval for most loan products highly likely.

Beyond just qualifying, your score unlocks significant financial benefits. You will have access to much lower interest rates, potentially saving you tens of thousands over the loan's term. You may also receive better rates on Private Mortgage Insurance (PMI) and have more leverage to negotiate favorable terms or closing cost credits from 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 elements. The most common factors include:

• Your payment history, which tracks whether you pay your bills on time, is the most significant factor.
• Credit utilization, or the amount of credit you're using compared to your total available credit, also plays a major role.
• The length of your credit history demonstrates your experience with managing credit over time.
• Having a healthy mix of different types of credit, such as credit cards and installment loans, can positively impact your score.
• Finally, recent credit inquiries, which occur when you apply for new credit, are also taken into account.

How to Improve Your 750 Credit Score

Even with a good credit score, there's always room for improvement, and reaching the excellent tier is achievable with consistency. Adopting positive financial habits is the key to boosting your score even higher.

• Monitor your credit reports. Regularly checking your reports from all three bureaus ensures that no errors or fraudulent activity are dragging down your score. For someone with a 750 score, this is a crucial defensive move to prevent unexpected drops.
• Reduce your credit utilization. Keeping your credit utilization ratio well below the recommended 30% can push a 750 score into the excellent 800+ range. Lower utilization is always favored by scoring models and shows lenders you aren't over-reliant on credit.
• Diversify your credit mix. If your credit profile is heavy on one type of debt, like credit cards, adding an installment loan can help. A more varied mix of credit types can add a few points to your score, which can make a difference at this level.
• Limit hard inquiries. While you're protecting your high score, it's important to avoid unnecessary applications for new credit. Spacing out applications and using prequalification tools prevents the temporary score drops that come with hard inquiries.

You can use a financial companion like Kudos to help manage your cards, monitor your score, and optimize your financial strategy.