Is 750 a good credit score?

A 750 credit score is approaching the upper ranges of scores from scorers FICO® and VantageScore. And it’s above the national average (715) FICO reported in 2025. But ultimately, what’s good depends on the loan and the lender. With a 750 credit score, you may be more likely to be approved for a loan and get better terms and interest rates.

What you’ll learn:

• According to FICO, a 750 credit score is considered very good. VantageScore calls it prime.

• FICO says good credit scores range from 740 to 799. VantageScore’s prime range is 661-780.

• The higher your credit score, the better your chances to be approved for loans at favorable interest rates. 

• You could improve your credit scores by making on-time payments, staying below your credit limit and applying only for the credit you need.

According to FICO, 750 is a very good credit score. And a good credit score is anything from 670 to 739. 

FICO credit scores start at 300 and go up to 850. Here’s how they’re categorized:

• Exceptional: 800+

• Very good: 740-799

• Good: 670-739

• Fair: 580-669

• Poor: Less than 580

According to VantageScore, 750 is a prime credit score. It falls within its second-highest range of 661 to 780. 

VantageScore credit scores range from 300 to 850. This is how they break down:

• Superprime: 781-850

• Prime: 661-780

• Near prime: 601-660

• Subprime: 300-600

Compared to scores in lower ranges, having a 750 credit score might offer these advantages:

• Higher approval odds: Improved chances of qualifying for financial products like loans or credit cards 

• Stronger rental home applications: A more favorably viewed rental application by potential landlords or property management companies

• Lower interest rates: A lower interest rate on loans, which could help you save on interest charges over the course of the loan

• More favorable credit terms: A greater choice of types of credit cards and higher credit limits

• Better terms for utilities and phone services: Waived security deposits for things like utilities and cellphone services

Typical credit scores from VantageScore and FICO go as high as 850. Using credit responsibly over time could help you improve your scores:

Payment history is the most important credit-scoring factor, according to FICO and VantageScore. And the Consumer Financial Protection Bureau (CFPB) says you should pay on time, every time. Setting reminders for yourself or using automatic payments may help you avoid late payments.

Your credit utilization ratio is a measure of how much of your available credit you’re using. The CFPB recommends using no more than 30% of your credit limit across all credit accounts.

According to the CFPB, “Consistently paying off your credit card on time every month is one step toward improving your credit scores.” It could also help you avoid interest charges. But the agency also offers a reminder that scores are calculated at different times and could reflect your balance before you pay it off.

When you apply for a new credit account, it may involve a hard inquiry. FICO says most people can expect a credit inquiry to take less than five points off their FICO credit scores. But multiple hard inquiries may have a bigger impact.

By itself, monitoring your credit scores won’t improve them. But it could give you a better idea of where you stand. It can also help you understand what’s on your credit report to determine the steps you can take to improve your credit scores. 

You can access free copies of your credit reports each year from AnnualCreditReport.com. You can also use CreditWise from Capital One. It’s free, and it won’t impact your credit scores.

FICO says that 750 is a very good score, and VantageScore says 750 is a prime score. Good credit scores can open up more opportunities when it comes to qualifying for financial products and the terms you might be offered.

Looking for a credit card? You can compare Capital One credit cards to find one that’s right for you. You can also see if you’ll be approved for card offers before you apply. It’s quick and won’t hurt your credit scores.