Who Has a 798 Credit Score?

While a 798 credit score is well above average for any age group, credit scores generally improve over time. Data from 2023 shows a steady increase in the average credit score with each successive generation:

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

Credit Cards With a 798 Credit Score

A 798 credit score places you in the top tier of applicants, making you a highly attractive candidate to credit card issuers. With such a strong credit history, you can expect to be approved for a wide array of premium credit cards, including those with the most rewarding perks and benefits. Lenders will likely offer you their most favorable terms, such as low interest rates and high credit limits, reflecting your reliability as a borrower.

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Kudos simplifies the search for the perfect card with its AI-powered tools that deliver personalized recommendations based on your unique financial profile. By analyzing your actual spending habits, the platform provides insights on credit impact and helps determine if a card’s annual fees are justified for your situation.

Auto Loans and a 798 Credit Score

With a 798 credit score, you fall into the super-prime category, which is the highest tier for lenders. This excellent score positions you to receive the most competitive interest rates and favorable terms available for an auto loan.

Based on Experian's Q2 2025 data, here are the average auto loan rates across different credit score brackets:

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

Mortgages at a 798 Credit Score

With a 798 credit score, you are in an excellent position to buy a home. This score is well above the 760+ threshold for top-tier credit, qualifying you for virtually any type of mortgage. You'll have access to conventional, jumbo, FHA, VA, and USDA loans, as your score easily surpasses the minimum requirements for each.

This high score significantly impacts your loan terms. Lenders view you as a low-risk borrower, which translates to easier approval and access to the lowest available interest rates. You may also benefit from lower Private Mortgage Insurance (PMI) premiums and have more leverage to negotiate favorable terms, such as credits toward closing costs.

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 generally boils down to a handful of key elements. The most common factors include:

• Your history of making payments on time is the most significant factor.
• How much of your available credit you're currently using, known as your credit utilization ratio, plays a major role.
• The age of your credit accounts, including the average age and the age of your oldest account, is also considered.
• Lenders like to see that you can responsibly manage different types of credit, such as credit cards and loans.
• Opening several new credit accounts in a short period can be seen as a risk and may temporarily lower your score.

How to Improve Your 798 Credit Score

No matter how high your credit score is, there's almost always room for improvement. Even with an excellent 798 score, a few strategic moves can help you maintain your standing and inch closer to a perfect 850.

• Monitor your credit reports. Regularly reviewing your reports helps you spot and dispute any inaccuracies or fraudulent activity that could unexpectedly damage your excellent score. This vigilance is key to protecting the high score you've worked hard to achieve.
• Keep credit utilization low. While your utilization is likely already healthy, pushing it even lower—ideally under 10%—can provide a small but meaningful boost. Paying your balance before the statement closing date is an effective strategy to keep your reported utilization at a minimum.
• Limit hard inquiries. Each application for new credit can cause a temporary dip in your score, so it's wise to be selective. Limiting new applications to only when necessary prevents these small dings and helps maintain the stability of your top-tier score.
• Diversify your credit mix. Lenders like to see that you can responsibly manage different types of debt, such as both revolving credit and installment loans. If your credit history is concentrated in one area, carefully adding a different type of account can demonstrate your creditworthiness and potentially lift your score.

To help manage your cards and maximize rewards while protecting your high score, consider using a financial companion like the Kudos platform.