767 Credit Score: Is It Good or Bad?

A credit score of 767 is considered very good, placing you in an advantageous position to access some of the best financial products available. With this score, you are likely to qualify for the best personal loans and premium rewards credit cards on the market. While there's no such thing as guaranteed approval, having a score in the very good range certainly improves your chances significantly.

A very good credit score is well above the national average, indicating responsible credit management and financial reliability. However, it’s important to recognize that it’s not at the top yet. Understanding what your score means, learning how to maintain it, and taking steps to boost it even further can provide additional financial benefits.

What kind of credit score is 767?

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 767 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 767 credit score

Holding a credit score of 767 puts you in a prime spot for securing credit cards with the most attractive offerings, including exceptional rewards, the lowest interest rates, and exclusive benefits. Credit card companies consider individuals with such scores to be highly attractive candidates, giving you the freedom to be discerning in your card selection to ensure it aligns with your financial needs and lifestyle.

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Moneyfor rating Moneyfor's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

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There are a variety of rewards cards to suit just about anyone. Take a look at the types below:

Cash Back Cards: One popular category is cash back credit cards, which reward you with a percentage of your spending as cash. These cards are excellent for everyday purchases, often offering higher cash back rates for specific categories such as groceries, gas, or dining. Some cards provide a flat rate on all purchases, simplifying the rewards process by eliminating the need to track rotating categories. This makes it easy to accumulate rewards consistently, allowing cardholders to benefit from their regular spending habits without extra effort.

Points Cards: Points credit cards allow you to earn points for every dollar spent, which can then be redeemed for various rewards such as gift cards, merchandise, or travel. These cards are often more versatile than cash back cards, as points can be used for a wide range of rewards. Additionally, some points cards offer bonus points for spending in specific categories like dining or travel, enabling you to maximize your rewards. This flexibility and the potential for increased earnings make points credit cards an attractive option for many consumers.

Miles Cards: Miles credit cards are tailored for frequent travelers, awarding 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 free checked bags, priority boarding, and travel insurance, making them ideal for those who spend a lot of time in the air. Additionally, many miles credit cards offer bonus miles for purchases made with airlines or travel partners, further enhancing their value for avid travelers.

Co-Branded Cards: Co-branded credit cards are issued in partnership with specific brands or retailers, offering exclusive benefits and rewards for purchases made with the partner brand. Examples include airline and hotel credit cards, which provide perks like free checked bags, priority boarding, complimentary hotel stays, and elite status. These cards can be highly rewarding if you are loyal to a particular brand and frequently use their services. The tailored rewards and benefits can significantly enhance your experience and provide substantial savings on your preferred airline, hotel chain, or retailer.

Travel Cards: Travel credit cards are designed to offer benefits and rewards specifically for travel-related expenses. They often come with features such as no foreign transaction fees, travel insurance, and access to airport lounges. These cards can help you save money on international purchases and provide peace of mind with travel protection. Additionally, perks like airport lounge access can enhance your travel experience by offering a more comfortable and relaxing environment while you wait for your flight. These benefits make travel credit cards an excellent choice for frequent travelers.

Business Cards: Business rewards credit cards cater to the needs of business owners, providing rewards and benefits tailored to business expenses. These cards typically offer higher rewards rates for common business expenditures such as office supplies, advertising, and travel. Additionally, business credit cards often come with tools to help manage expenses and track spending, making them a valuable asset for any business. These features can streamline financial management, enhance budgeting accuracy, and maximize the value of your business expenditures, ultimately contributing to more efficient and effective business operations.

Balance Transfer Cards: If you're working to pay down debt, a balance transfer card featuring a 0% introductory APR might provide the financial relief you need. These cards allow you to transfer high-interest debt to a new card with no interest for a specified period, usually between 12 and 21 months. This can significantly reduce your interest payments and help you pay off your debt faster. By taking advantage of this interest-free period, you can focus on reducing the principal balance more effectively, ultimately saving money and becoming debt-free sooner.

With a credit score of 767, you have access to a wide array of rewards credit cards tailored to different spending habits and lifestyle preferences. By carefully considering your financial needs and goals, you can select the card that provides the most value and enhances your overall financial well-being.

Getting a personal loan with a 767 credit score

With a 767 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 767 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 767 credit score with a grain of salt

Achieving a credit score of 767 is indeed an accomplishment worth celebrating, but it's crucial to avoid resting on your laurels. Credit scores can change over time, and diligent management of your financial behavior is essential to either sustain or boost your score further. Regularly checking your credit report for any inaccuracies or signs of unauthorized activity is also important, as these can adversely affect your credit standing.

While a very good credit score is a significant factor in lending decisions, it's not the sole aspect lenders consider. Your income, job stability, and existing debt obligations also play critical roles. Lenders assess your overall financial health to determine your ability to repay a loan. It's possible to have an impressive score yet face loan denial if your debt-to-income ratio is unfavorable or if there's a history of opening several new credit lines in a short period. These factors can indicate financial instability or potential overextension, raising red flags for lenders.

Therefore, while your high score is commendable, remember that it's part of a broader financial picture. Maintaining a balanced approach to your finances, such as managing debt wisely, ensuring stable income, and avoiding unnecessary credit inquiries, will help you not only preserve your credit score but also enhance your overall financial well-being. By staying proactive and informed about your credit and financial health, you can continue to enjoy the benefits of a high credit score and secure your financial future.

How can I get my score even higher?

A very good credit score is a significant achievement and generally qualifies you for the best credit products. However, to reach the elite category of credit scores—in the 800s—you need to continue practicing good financial habits and have patience, as time is a crucial factor in achieving the highest scores.

How Credit Scores Are Calculated

There are multiple credit scoring models, with FICO and VantageScore being the most popular. FICO, by the Fair Isaac Corporation, is used by 90% of lenders, so we'll focus more on its factors here. Luckily, the factors considered by both FICO and VantageScore are very similar. Therefore, if you have a very good score with one, you likely have a very good score with the other.

FICO scores are calculated using five factors, each with it's own weight:

Payment History (35%): This is the most significant factor. Consistently paying your bills on time positively impacts your score, while late payments, collections, and bankruptcies can severely harm it.
Credit Utilization (30%): This ratio measures how much of your available credit you are using. A lower utilization rate is better, as it shows you’re not overly reliant on credit.
Length of Credit History (15%): The longer your credit accounts have been open, the more beneficial it is for your score. This factor 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 variety of credit types (credit cards, installment loans, mortgages) can positively affect your score.
New Credit (10%): Opening several new credit accounts in a short period can indicate risk and lower your score temporarily.

Practical Tips to Boost Your Score

Check Your Report: Regularly reviewing your credit report is essential for maintaining a high credit score. It helps you spot and correct any errors or signs of fraudulent activity that could negatively impact your score. Make it a habit to check your report from all three major credit bureaus at least once a year to ensure accuracy and safeguard your financial health.

Set Up Autopay: Even with a high credit score, human error can lead to missed payments. Setting up autopay ensures you never miss a due date, maintaining your excellent payment history and preventing late fees. This simple step helps safeguard your credit score and ensures your financial management remains consistent and reliable.

Lower Your Utilization: If you currently use about 30% of your available credit, aim to reduce it to 10% or less. Lower utilization is viewed favorably by lenders and can significantly boost your credit score. Keeping your credit utilization low demonstrates responsible credit management and can enhance your financial profile.

Pay Bills Mid-Month: Paying your credit card bills mid-month, in addition to your regular due date, can help lower your credit utilization rate. By reducing your balance before the statement closes, you present a lower utilization ratio to the credit bureaus. This practice can positively impact your credit score, demonstrating better credit management and financial responsibility.

Keep Old Accounts Open: Closing old, unused accounts can decrease your available credit and increase your utilization rate. It also shortens the average age of your credit accounts, which can negatively impact your score. To maintain a healthy credit profile, keep these accounts open unless they have high fees, ensuring your credit utilization stays low and your credit history remains robust.

Apply for Credit Only When Needed: Multiple credit applications within a short time frame can be a red flag for lenders, indicating potential financial instability. To avoid negatively impacting your score, apply for new credit sparingly and only when necessary. This cautious approach helps maintain your credit score and ensures you appear as a low-risk borrower to potential lenders.

Let Your Credit Age: Time is a critical factor in achieving an excellent credit score. Consumers with scores of 800 or higher typically have had credit accounts for over 10 years. Be patient and allow your accounts to age, providing a long history of responsible credit use. This patience and consistency help demonstrate financial stability and reliability to lenders.

By adhering to these practices, you can potentially boost your credit score further. Maintaining good financial habits over time will not only help you reach the elite credit score range but also ensure long-term financial health. Consistency in responsible credit use, timely payments, and prudent financial management will significantly enhance your credit profile and financial stability.

Next Steps for your 767 credit score

Overall, you're eligible for the finest financial products out there, a testament to your hard work and disciplined financial management. Your 767 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

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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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