3 Little-Known Perks of Having a Credit Score of 750 or Higher

A credit score over 750 gives you more than just bragging rights -- it unlocks serious benefits that many people don't realize. You'll save money on car insurance, get better loan rates and quicker approvals, and it can even influence where you live or work.

Here's how FICO® Scores are typically categorized:

• 300-579: Poor
• 580-669: Fair
• 670-739: Good
• 740-799: Very Good
• 800-850: Excellent

For those of you working to improve your credit score past 750, here are some sweet perks to look forward to once you reach the "very good" to "excellent" zone.

1. Access to the best credit cards and perks

I love credit card rewards!

A high credit score not only helps you get approved for credit cards -- it helps you qualify for the best ones.

I'm talking about top-tier travel cards with rockstar perks like airport lounge access, free checked bags, annual travel credits, or cards with 2% or higher cash back on everyday spending.

The best credit cards can earn you free flights and come with big welcome offers -- sometimes worth more than $1,000 in travel. Check out our list of the best credit cards now to start earning rewards and traveling in style.

2. You could save $90+ per month on car insurance

Here's a dirty little secret about the insurance industry: Insurance companies often use a "credit-based insurance score" to help determine your risk level for car insurance. This ultimately helps decide how much they charge you. (Except if you live in California, Hawaii, or Massachusetts)

According to research from Motley Fool Money, drivers with excellent credit pay about $1,947 per year for car insurance. Meanwhile, the national average is $3,017 per year for all credit ranges.

This means folks with excellent credit scores save on average $1,070 a year, or more than $90 per month, compared to the average American driver.

Start saving today: If your credit score is in great shape, check out the best car insurers for good credit.

3. Credit scores can impact where you live and work

A great credit score can open doors -- literally.

Many landlords now run credit checks as part of their tenant screening process. If you're applying for a competitive apartment in a hot rental market, a credit score over 750 might put your application ahead of the pack.

And for all you job hunters -- many employers check credit reports during the hiring process (not your score, but your actual report and history). This is especially important for roles involving handling money or sensitive data. A strong credit history can silently vouch for your trustworthiness and reliability.

How to get your credit score above 750

Raising your score isn't about hacking the system -- and scores don't change overnight.

Building credit is about forming smart habits, like:

• Pay every bill on time, every time
• Keep your credit utilization low (aim for under 30%)
• Avoid opening too many new accounts at once
• If you have old credit cards, keep them open to lengthen your credit history

Over time, these simple moves can add up to a score that opens doors -- and saves you money.