755 Credit Score: Is It Good or Bad?

A 755 credit score is considered very good and grants you access to some of the best financial products on the market. With this impressive score, you have an excellent chance of being approved for top-tier personal loans and credit cards that offer lucrative rewards. While guaranteed approval is a myth, a very good credit score undeniably tilts the odds in your favor, making you a desirable candidate for lenders.

Your score is significantly higher than the national average, indicating that you are managing your credit responsibly but haven't yet reached the highest echelons. To maintain and potentially improve your score, it's crucial to understand what this number entails and how you can push your credit score even higher.

What kind of credit score is 755?

Credit scores falling between 740 and 799 are part of the very good category. 21% of people in the United States have scores in this range. Achieving a very good credit score signals to lenders that you're a low-risk borrower and is indicative of timely bill payments, low debt levels, and judicious financial management.

Individuals with a credit score of 755 are perceived by lenders as reliable and financially responsible, allowing them to avoid high interest rates, extra fees, or security deposits that are typically imposed on those with poorer credit to protect the lender’s interests. This level of trust translates into eligibility for loans with favorable interest rates and lenient terms and access to credit cards with lucrative rewards.

Moreover, having a very good credit score can have other financial advantages, including lower premiums on insurance policies, better terms on rental agreements, and even enhanced employment prospects. By practicing responsible credit habits you can sustain and potentially improve your score, unlocking even more financial benefits and opportunities.

Getting a credit card with a 755 credit score

With a credit score of 755, you're well-positioned to apply for basically any credit card you want. A very good credit score gets you access to cards that offer the finest rewards, most competitive interest rates, and exclusive perks on the market. This score range makes you a sought-after applicant for credit card issuers, empowering you to select cards that fit your lifestyle perfectly and offer the rewards you want.

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Here are some types of rewards credit cards you might consider:

Cash Back Cards: Cash back cards are popular for their straightforward rewards structure. These cards offer a percentage of your purchases back as cash, typically ranging from 1% to 5%. Some cards provide higher cash back rates for specific categories such as groceries, gas, or dining, allowing you to maximize rewards based on your spending habits. This type of card is ideal for those seeking flexible, easy-to-understand rewards that can be redeemed as statement credits, checks, or direct deposits, making them a convenient option for everyday use.

Points Cards: Points cards reward you with points for every dollar spent, which can then be redeemed for various items, including merchandise, gift cards, or travel. Each card issuer has its own rewards program, offering different redemption values and options. These cards are versatile and can be especially beneficial if you frequently shop with specific retailers or brands that offer additional points for purchases. This flexibility allows you to tailor your rewards to fit your preferences, making points cards a valuable option for maximizing your spending benefits.

Miles Cards: Miles cards are tailored for frequent travelers, offering miles for every dollar spent, which can be redeemed for flights, hotel stays, and other travel-related expenses. These cards often come with travel-specific perks such as priority boarding, free checked bags, and travel insurance. They are ideal for reducing travel costs and enjoying added conveniences, making them a great choice for those who travel often and want to maximize the value of their spending on travel-related purchases.

Co-Branded Cards: Co-branded cards are offered in partnership between a credit card issuer and another company, such as a retailer, hotel chain, or airline. These cards provide rewards specific to the partner brand, like discounts, special offers, or loyalty points. If you frequently use services from a particular brand, a co-branded card can offer significant value through enhanced rewards and exclusive benefits, making it easier to save money and enjoy perks when shopping, staying, or flying with the partner brand.

Travel Cards: Travel cards generally offer a range of travel-related rewards and perks. They might provide points or miles that can be redeemed through the card issuer's travel portal. Benefits often include travel credits, free accommodation, access to airport lounges, and complimentary service upgrades. Although these cards usually come with higher annual fees, the travel benefits can outweigh the costs for frequent travelers, providing significant value through enhanced travel experiences and savings on travel-related expenses.

Business Rewards Cards: Business rewards cards are designed for small business owners and entrepreneurs, offering rewards on business-related expenses such as office supplies, advertising, and travel. Additionally, they often come with tools for managing expenses and may provide employee cards at no extra cost. These cards help you maximize rewards on your business spending, providing valuable benefits and savings while also keeping your personal and business expenses separate, enhancing your financial management and efficiency.

Balance Transfer Cards: For those grappling with considerable debt, balance transfer cards that provide a 0% introductory APR can be a strategic choice. These cards allow you to transfer high-interest debt from other credit cards and pay it off during the introductory period without accruing additional interest. This can help you save significantly on interest, manage debt more effectively, and potentially pay off your balances faster. Utilizing a balance transfer card can be a practical step toward achieving better financial stability and reducing overall debt.

While deluxe rewards cards offer attractive perks, they often come with substantial annual fees and higher APRs post-introductory period. It's crucial to assess the overall value of the benefits in relation to the costs to determine if a card is worth it. Careful consideration of your spending habits and financial goals will help you choose the card that offers the best rewards for your lifestyle.

Getting a personal loan with a 755 credit score

With a 755 credit score, securing a personal loan should be easy. Few lenders require a credit score above 740, so your score almost guarantees your application's acceptance. As a borrower with prime status, you're poised to receive loans under the most favorable conditions and with minimal interest rates from lenders. Your very good credit score is a key asset, allowing you to get any loan you need, whether it's to consolidate debt, purchase a big-ticket item, or cover unexpected expenses.

Here are different types of loans you might consider:

Personal Loans: Personal loans are versatile financial tools that can be used for various purposes such as home improvements, medical expenses, or vacations. They typically come with fixed interest rates and repayment terms, making budgeting easier and more predictable. With your high credit score, you can expect to receive competitive interest rates and favorable terms from reputable lenders, allowing you to borrow money with confidence and manage your expenses effectively. Personal loans provide the flexibility to address a wide range of financial needs efficiently.

Debt Consolidation Loans: Debt consolidation loans are designed to combine multiple debts into a single loan with a lower interest rate, simplifying repayment and saving you money on interest. With your excellent credit score, you can secure a debt consolidation loan at a favorable rate, making it easier to manage your finances. By consolidating your debts, you can reduce your debt burden more quickly, streamline your payments, and focus on achieving financial stability and freedom. This approach helps in efficiently tackling high-interest debts and improving overall financial health.

Business Loans: Business loans provide essential funds for starting, expanding, or maintaining a business, covering expenses such as equipment, inventory, or payroll. Your strong credit score increases your chances of securing a business loan with favorable terms, including lower interest rates and flexible repayment options. This financial support can significantly contribute to your business's growth and success, allowing you to invest in necessary resources, manage cash flow effectively, and capitalize on new opportunities to ensure your business thrives in a competitive market.

Secured Loans: Secured loans require collateral, such as a car, home, or savings account, to back the loan, making them less risky for lenders. As a result, secured loans often feature lower interest rates and higher borrowing limits compared to unsecured loans. Your strong credit score, combined with valuable collateral, enhances your ability to obtain a secured loan with attractive terms. This type of loan can provide you with the funds needed for significant expenses while benefiting from more favorable financial conditions, making repayment more manageable. The catch with secured loans is that if you default on the loan the lender can seize your asset to recoup their losses.

Auto Loans: Auto loans are used to finance the purchase of a vehicle, whether new or used. With a high credit score, you can qualify for low-interest rates and favorable loan terms, significantly reducing the overall cost of your vehicle purchase. These favorable terms make auto loans a practical and cost-effective option for acquiring a car, allowing you to spread the cost over time while enjoying the benefits of lower monthly payments and less interest paid over the life of the loan.

Mortgages: Mortgages are long-term loans used to purchase property. With a very good credit score like yours, you can secure a mortgage with a low interest rate, saving you thousands of dollars over the life of the loan. Additionally, your excellent credit may qualify you for superior loan products, such as those with flexible repayment terms or lower down payment requirements. This financial advantage can make homeownership more affordable and accessible, allowing you to benefit from better terms and significant savings throughout your mortgage.

Cash Advance Loans: Cash advance loans from fintech apps provide short-term loans that are typically repaid on your next payday. These apps let you access quick cash with no interest, no credit check, and minimal fees. You link your bank account, set up direct deposit, and the app will determine how much to lend to you. The fee structure varies depending on the app. Some charge a flat rate, while others use a subscription model, or ask for an optional tip. Almost all offer a fast funding fee if you need the cash instantly. While the fees are minimal, they can add up if you tip too much or constantly pay a fast funding fee. Overall, cash advances are a useful low cost option for emergencies but should not be relied on.

Prequalifying and Comparing the Best Offers: Before committing to any loan, it's wise to prequalify with at least three different lenders. Prequalification involves a soft credit check, which won't affect your score. The lender looks at your basic financial information to see if you may qualify and provides an estimate of the loan terms you might receive. Prequalifying for a loan does not guarantee approval but lets you know if you have a chance at receiving the loan. This preliminary step also allows you to compare offers based on interest rates, repayment terms, fees, loan amounts, and other features to ensure you apply for the best offer available.

Utilizing online comparison tools or online loan marketplaces can streamline this process and help you efficiently find the best loan for your needs. These tools and platforms enable you to compare multiple offers by submitting a single application. You can then make an informed decision and apply directly with the lender who offers you the most favorable terms. Taking the time to prequalify and compare will lead to better financial health and smarter borrowing decisions.

Your 755 credit score opens doors to a wide range of loans with favorable terms. Whether you need a personal loan, a mortgage, or a business loan, your creditworthiness positions you to secure the best offers available. Always prequalify and compare multiple options to ensure you get the most beneficial terms for your financial situation.

Take your 755 credit score with a grain of salt

Celebrating a 755 credit score is appropriate, yet it's essential to remain proactive in managing your credit. Since credit scores fluctuate, perpetually monitoring and adjusting your financial habits is key to keeping your score on the higher end or improving it. Periodically review your credit report, as any discrepancies or fraudulent activities can harm your score. Keep on top of your bills and usage so that your score stays high.

While having a very good credit score is advantageous, lenders consider various other aspects in their decisions, such as your income, job security, and debt burden. A 755 score does not guarantee loan approval, particularly if your debt-to-income ratio is high or you've made several new credit inquiries within a year. These factors can impact lenders' perceptions of your creditworthiness, sometimes outweighing the benefits of a high score.

Therefore, while it is important to take pride in your very good score, understanding its limitations is equally important. You need to maintain an overall healthy financial state to access the very best financial products. To do this, pay down your debt, have stable employment, and pay all your bills on time.

Staying informed and vigilant about your overall financial health will help ensure you continue to enjoy the benefits of a high credit score and make informed decisions about your credit and loans.

How can I get my score even higher?

A very good credit score already separates you from those with bad credit, granting you access to superior credit products. Yet, you’re not at the top. Maintaining responsible credit habits and allowing time to work its magic are essential for climbing to the top credit score tiers.

How Scores Are Calculated

Understanding how credit scores are calculated can help you focus on the most impactful areas. There are multiple credit scoring models. Lenders are more apt to use FICO by the Fair Isaac Corporation, but VantageScore by the three national credit bureaus - Experian, Equifax, and TransUnion - is growing in popularity. No matter which scoring model you use, your score is likely to be extremely similar and fall in the same range.

Credit scores are typically calculated based on the following factors:

Payment History (35%): Your history of making on-time payments is the most significant factor. Even one missed payment can lower your score.
Credit Utilization (30%): This is the ratio of your current credit card balances to your credit limits. Lower utilization rates are better.
Length of Credit History (15%): A longer credit history increases your score. This includes the age of your oldest account, the age of your newest account, and the average age of all your accounts.
Credit Mix (10%): Having a mix of credit types (e.g., credit cards, mortgage, auto loans) can positively impact your score.
New Credit (10%): Frequent applications for new credit can lower your score due to hard inquiries.

Tips for Achieving an Exceptional Score

To achieve an exceptional score, bear in mind:

Regularly Review Your Report: Regularly checking your credit report is crucial for maintaining a high credit score. Reviewing your report allows you to spot and dispute any errors or signs of fraudulent activity that could harm your score. It also helps you stay informed about your credit status and understand the factors influencing your score. Aim to check your report at least once a year through annualcreditreport.com.

Opt for Autopay: A slip in memory can happen to anyone, even those with a strong payment history reflected by a 755 score. Setting up autopay can cover your full balance or the minimum due, ensuring you never miss a payment. This reliable method helps maintain your excellent credit score and avoids late fees or negative marks on your credit report.

Tighten Credit Utilization: While maintaining credit utilization at 30% is commendable, aiming for less than 10% can further strengthen your credit profile. However, don’t reduce your utilization to 0%, as you need to use credit to build and maintain your score. Regular, low-level use of credit demonstrates responsible financial behavior and can significantly boost your creditworthiness.

Make Additional Payments: Paying off your balances throughout the month, in addition to the due date, can help keep your credit utilization low throughout the billing cycle. This practice ensures that your credit card balances remain low when reported to the credit bureaus, which can positively impact your credit score. Regular mid-month payments demonstrate consistent financial responsibility and can contribute to an exceptional credit profile.

Don’t Shut Down Old Accounts: It may feel intuitive to close unused accounts, but doing so can inadvertently hurt your credit score by increasing your credit utilization ratio and shortening your credit history. Unless there are significant fees associated with the accounts, it's better to keep them active. Maintaining these accounts helps demonstrate a longer credit history and lower utilization, both of which positively impact your credit score.

Limit Credit Applications: Excessive credit inquiries can signal financial instability to lenders, potentially lowering your credit score. To protect your high score, apply for credit only when necessary. Each hard inquiry can have a minor impact on your score, so being selective about when you seek new credit helps maintain your strong credit profile and assures lenders of your financial stability.

Age Your Credit: Lenders value long credit histories because they provide detailed insights into your financial behaviors. Most consumers with scores of 800 or more have a long-standing credit history, typically around 10.5 years. This extended history demonstrates consistent, responsible credit management, which reassures lenders of your reliability and ability to manage credit over time, contributing to higher credit scores.

Maintaining and Enhancing Your Score

Adhering to these guidelines maintains and can significantly enhance your credit score. Consistent, responsible management of your credit accounts is key to reaching and sustaining an exceptional credit score. By optimizing your payment habits, managing credit utilization, maintaining long-standing accounts, and being reasonable with new credit applications, you can work towards achieving an outstanding credit score and enjoying the financial benefits that come with it.

Next Steps for your 755 credit score

Overall, you're eligible for the finest financial products out there, a testament to your hard work and disciplined financial management. Your 755 credit score opens doors to the best loans, credit cards with top rewards, and other financial opportunities. This level of achievement provides a stable platform from which to maintain your positive financial habits. However, while commendable, this score places you just shy of the elite 800s bracket.

If you're driven to elevate your score to its utmost potential, continuing with your strong credit practices is essential. Focus on consistent and timely payments, which are critical to demonstrating reliability to creditors. Reducing your debt is another key strategy. Lower debt levels improve your credit utilization ratio, a major factor in credit score calculations, and show that you manage your finances well.

Paying off your balances completely every month can also make a significant difference. This practice not only avoids accruing interest but also ensures your credit utilization remains low, further enhancing your credit profile.

Bear in mind the importance of patience. Ascending to exceptional credit status is a gradual process that requires consistent effort over time. Regularly monitoring your credit report for errors and staying informed about your credit status can help you stay on track. With diligence and a strategic approach, reaching the 800s bracket is a realistic and achievable goal, offering even greater financial benefits and security.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

2. Paycheck Advance is an earned wage access service and is not a loan or credit product.

3. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees. Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

6. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

7. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

8. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

9. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.

10. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank.

11. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

12. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

13. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.

14. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

15. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.

16. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

17. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

18. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

19. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

20. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

22. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

23. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

24. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

25. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

26. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

27. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

28. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

29. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

30. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

31. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

32. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

33. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

34. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

35. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

36. Tipping or not tipping has no impact on your eligibility for SpotMe®.

37. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

38. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

39. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

40. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

41. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

42. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

Related scores

749 750 751 752 753 754 756 757 758 759 760 761

This content is general in nature and is provided for informational purposes only. MoneyFor is not a financial advisor and does not offer financial planning services. This content may contain references to products and services offered through MoneyFor marketplace.

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