Best Credit Cards for a 800 Credit Score 2024 (2024)

FAQs

What's the best credit card for an 800 credit score? ›

Despite those high balances, it's equally important to note that those with high credit scores also have high credit card limits. For those with 800-plus scores, their average credit card limits are $69,346. That's up from the $58,514 average we found in May 2021.

According to a report by FICO, only 23% of the scorable population has a credit score of 800 or above.

With such a high credit score, you'll be an ideal candidate for all of today's best credit cards, including credit cards for people with excellent credit. People with a credit score over 800 are also likely to be accepted for other lines of credit, including personal loans, mortgages and car loans.

Those with exceptional credit, FICO^® Scores of 800 and above, will likely receive the same terms as someone with a perfect score of 850—all else remaining equal.

The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back.

While achieving a CIBIL Score of 900 is technically possible, it is extremely rare. Scores above 760 are considered very good or exceptional, providing significant benefits such as lower interest rates and higher chances of loan approval.

Millionaires use credit cards like the Centurion® Card from American Express and the J.P. Morgan Reserve Credit Card. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting.

The average credit score in the US is 717, according to a report from FICO. High interest rates and lingering inflation contribute to more missed payments and debt levels. Minnesota has the highest average credit score at 742, while Mississippi has the lowest average at 680.

Why is it so hard to get a 800 credit score? ›

Since the length of your credit history accounts for 15% of your credit score, negative, minimal or no credit history can stop you from reaching an 800 credit score. To solve this problem, focus on building your credit. You can do this by taking out a credit-builder loan or applying for your first credit card.

71.3% of Americans have a FICO Score of 670 (good) or better. 21.2% have an exceptional FICO credit score of 800 or above. FICO credit scores generally increase with age, with older generations having higher averages.

To land in the top range — and be considered "exceptional” by the credit bureaus — there are some essential financial practices you should meet on a consistent basis, such as: Having a strong payment history. Maintaining a low credit utilization ratio. Having no derogatory remarks such as late payments.

An 800 credit score or higher can help you get approved for larger loans with more favorable terms and lower interest rates. But only 21% of people with a FICO credit score have an 800 or above, according to a FICO report. Though it's possible to get a perfect credit score, perfect isn't permanent in this case.

A 750 credit score is Very Good, but it can be even better. If you can elevate your score into the Exceptional range (800-850), you could become eligible for the very best lending terms, including the lowest interest rates and fees, and the most enticing credit-card rewards programs.