Who Has a 764 Credit Score?

While age isn't a direct factor in credit score calculations, older consumers generally have higher scores because they've had more time to establish a positive payment history. According to Experian data from 2023, average FICO scores show a clear upward trend across generations:

• Silent Generation (ages 78+): 760
• Baby Boomers (ages 59-77): 745
• Generation X (ages 43-58): 709
• Millennials (ages 27-42): 690
• Generation Z (ages 18-26): 680

Credit Cards With a 764 Credit Score

A credit score of 764 places you firmly in the 'very good' range, which is great news for your credit card prospects. Lenders view this score favorably, meaning you'll likely qualify for a wide array of credit cards, including premium rewards and travel cards. Consequently, you can anticipate attractive terms such as lower interest rates, higher credit limits, and generous sign-up bonuses.

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Kudos offers personalized tools to help you find your credit card match based on your unique financial profile and preferences. Its AI-powered features can analyze your spending to recommend cards that fit your habits and provide insights into how a new card might impact your credit score.

Auto Loans and a 764 Credit Score

A 764 credit score places you in the prime borrower category, which is a strong position for securing an auto loan. While you may not get the absolute lowest rates reserved for super-prime borrowers, you can expect to receive very competitive interest rates from lenders.

According to average auto loan rates from Q2 2025, here is how the different credit score brackets compare for new and used vehicles:

• Super-prime (781-850): 5.25% for new cars and 7.13% for used cars
• Prime (661-780): 6.87% for new cars and 9.36% for used cars
• Non-prime (601-660): 9.83% for new cars and 13.92% for used cars
• Subprime (501-600): 13.18% for new cars and 18.86% for used cars
• Deep subprime (300-500): 15.77% for new cars and 21.55% for used cars

Mortgages at a 764 Credit Score

With a 764 credit score, you are in an excellent position to secure a home loan. This score is considered top-tier and qualifies you for nearly all major mortgage products, including Conventional, Jumbo, FHA, VA, and USDA loans. According to credit score requirements, lenders view applicants with scores over 760 as low-risk, which significantly broadens your options and increases your chances of a smooth approval process.

Your excellent credit directly translates to significant financial benefits. You will qualify for the lowest available interest rates, which can save you tens of thousands of dollars over the life of the loan. For instance, borrowers in the 760+ tier recently enjoyed rates around 6.2%, compared to 7.8% for those with lower scores. You may also benefit from lower Private Mortgage Insurance (PMI) premiums on conventional loans.

What's in a Credit Score?

Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but it's primarily based on a handful of key financial habits. The most common factors include:

• Your payment history tracks whether you have paid past credit accounts on time.
• Credit utilization is the percentage of your available credit that you are currently using.
• The length of your credit history considers the age of your oldest account and the average age of all your accounts.
• Having a healthy mix of credit types, such as credit cards and installment loans, can positively impact your score.
• Recent credit inquiries and newly opened accounts can temporarily lower your score.

How to Improve Your 764 Credit Score

Even with a strong 764 credit score, there is always room for improvement that can unlock better financial opportunities. A few strategic moves can help push your score into the excellent tier, securing the best possible loan terms and credit card offers.

• Reduce your credit utilization ratio. Keeping your credit utilization low is a key factor, and while you're likely below the 30% threshold, pushing it under 10% can provide an additional boost. This shows lenders you use credit responsibly without relying on it.
• Diversify your credit mix. Lenders favor a mix of credit types, such as revolving credit (credit cards) and installment loans (auto or personal loans). If your history is concentrated in one area, adding a different type of account can demonstrate your ability to manage various forms of debt.
• Limit hard inquiries. Each application for new credit can temporarily dip your score, so it's wise to be selective to protect your high rating. Spacing out applications and using prequalification tools lets you shop for rates without impacting your score.
• Become an authorized user. Piggybacking on an account with a long, perfect payment history can increase the average age of your credit accounts and lower your overall utilization. This strategy can add another layer of strength to your already solid credit profile.

Using a tool like Kudos can help you put these tips into practice, optimizing your card usage to further build your credit.