3 Little-Known Perks of Having a Credit Score of 750+
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Most people chase a 750 credit score for one reason: It feels like you finally crossed into the "excellent" tier.
But once you're in that range, your financial life starts to change in small ways you might not notice at first.
1. You get approved faster
Banks trust people with strong credit histories. When your score sits above 750, underwriting gets easier because lenders don't have to dig as deeply to understand your risk.
You'll often see instant approvals on credit cards, quicker decisions on auto loans, and fewer requests for extra documents when you apply for something new.
That speed matters when you're shopping for a loan or trying to lock in the newest and best credit card bonus.
The best credit card welcome bonuses can earn you free flights or be worth hundreds of dollars in cash back. Compare credit cards with the best welcome offers here.
2. You qualify for the lowest rates available
A 750 score usually places you in the top pricing tier for mortgages, car loans, personal loans, and refinances.
That means lower interest rates without negotiating, asking, or stressing about it. The numbers move automatically in your favor.
Even a small rate drop makes a big difference. On a 30-year mortgage, shaving off half a percentage point can save thousands over time. You get that benefit simply because your score sits above the threshold lenders care about.
3. Your credit limits tend to rise on their own
This is the advantage most people never think about.
Credit card issuers regularly run internal reviews. When they see a long history of on-time payments and a high score, they increase limits to match your profile.
Higher limits reduce your credit utilization and make it easier to keep your score strong. They also give you more room during high-spending months like summer travel or the winter holidays.
Some issuers raise limits even if you never ask. It's one more way a good score compounds over time.
A simple takeaway
A 750+ score doesn't just look good. It makes your financial life smoother. You get faster approvals, better rates, and higher limits with almost no effort.
If you want to put that score to work, the right credit card can make your rewards go a lot further. Compare some of the best options available today.
Our Research Expert
Jake FitzGerald is a full-time Editorial Strategist and Personal Finance Writer at Motley Fool Money, leading content production and distribution while also writing about credit cards, bank accounts, and other financial products. He has more than a decade of experience editing and shaping financial content to give readers clear, trustworthy money advice. His work focuses on delivering practical insights that empower people to make smarter financial decisions. Off the clock, he’s a fan of college football tailgates and still loyal to his favorite putter -- despite what his short game suggests.