Score # needed for best rates on CC?

[Anonymous]

In general... what kind of scores should I be shooting for if i want to get the lowest rate offered on a particular card? Is 750+ good enough?

[AverageJoesCredit]

I would think with a 750 you would qualify for all the best rates but as usual, every credit profile is different. I only wish i had a 750

[thom02099]

At the top of the screen on this page, the advert says 720-850 is excellent. Generally speaking, that's true.  The best rates can also be found north of 740.  For some lenders it's 750, and for others it's 760.  Again, generally, if you're over 740, you're likely to get the best rates offered.  There is no hard and fast rule, just generalities.  

[Anonymous]

Was wondering about this too! Thanks for the replies everyone!

[Anonymous]

Thank you. I'm in the 735ish range right now (average of the 3, Fico8). I'll wait until all 3 are solid over 750 until I apply for any more cards. Shouldn't be too much longer. A few more payments on some cards will get me under that golden 9% utilization.

[newhis]

My DW has over 760 and Citi page offer her the best APR, but Cap1 only the middle APR not the best. So they have other measure points not just the score.

[kdm31091]

As with everything it's not just about score. APR is assigned based on your percieved risk level. For example, you can have a high score, but many new accounts. In this situation you can be percieved as a risk and get a higher APR.

Generally speaking of course higher score will get a lower APR, but it's not that simple, and there's no cutoff number to say x score gets y APR.

[Anonymous]

OK. Thank you.

[Peteyglad]

 Like others have said, it is more than just score, but the higher the better. For instance, I applied for a Barclay Sallie Mae with an almost 800 score, but got a rate of 21.99%. The issue was that it was that I had quite a few inquiries on my report already that were recent. My guess is that spooked the computer a bit. 

[Anonymous]

---

@Anonymous wrote:

In general... what kind of scores should I be shooting for if i want to get the lowest rate offered on a particular card? Is 750+ good enough?

---

My credit union loan officer said their "A+" rates were for people who have a score of 720 or higher.