768 Credit Score: Is It Good or Bad?

A credit score of 768 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 768?

Lenders consider any credit score between 740-799 as very good, and about 21% of Americans have achieved this benchmark. This score range is highly attractive to most lenders because it labels you as a low-risk borrower. It indicates that you will likely pay your bills on time, keep your debt levels low, and make sound financial decisions.

A 768 credit score demonstrates to lenders that you are trustworthy and capable of repaying the money you borrow. As a result, lenders do not feel the need to hedge their bets with additional fees or require security deposits, as they might with consumers who have poor credit. Instead, with a very good credit score, you are likely to qualify for premium rewards credit cards and loans with low-interest rates and flexible repayment terms.

A very good credit score opens the door to some of the best financial products available. This includes access to top-tier personal loans and credit cards that offer significant rewards and benefits, such as cashback, travel perks, and higher credit limits. While there is no such thing as guaranteed approval, a score in this range certainly improves your chances significantly.

Getting a credit card with a 768 credit score

With a 768 credit score, you're in an enviable position when it comes to credit card applications. You'll likely qualify for cards offering the best rewards, lowest interest rates, and premium benefits. Credit card issuers view applicants with scores in this range as highly desirable, which means you can be selective about choosing cards that best align with your financial goals and spending habits.

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A whole range of rewards cards are available to you. A few favorites include:

Cash Back Cards: Cash back cards offer a straightforward way to earn rewards, typically providing a percentage of your purchases back in cash. They are ideal if you prefer simple rewards that can be used for anything. Some cash back cards offer higher returns on specific categories such as groceries, gas, or dining, making them a great choice if you have regular expenses in these areas. This flexibility and simplicity make cash back cards a popular choice for many consumers looking to maximize their everyday spending rewards.

Points Cards: Points cards reward you with points for every dollar spent, which can be redeemed for various options like travel, merchandise, or gift cards. These cards often offer bonus points for spending in certain categories or for making purchases through their online portals. Their flexibility and multiple redemption options make points cards highly valuable, especially if you enjoy having diverse ways to use your rewards. Whether you're saving for a vacation, shopping for new gadgets, or simply looking for versatile rewards, points cards can be an excellent choice.

Miles Cards: Perfect for frequent travelers, miles cards allow you to earn airline miles with every purchase. These miles can be redeemed for flights, seat upgrades, and other travel-related expenses, making them highly valuable for those who travel often. Some of these cards are affiliated with specific airlines, offering additional perks with that airline, while others provide more general travel rewards that can be used across multiple airlines. This flexibility makes miles cards an excellent choice for maximizing travel benefits and enjoying a more rewarding travel experience.

Co-branded Cards: These cards are issued by banks in partnership with specific retailers or service providers, offering enhanced rewards and benefits when used with the co-branded partner. For example, a co-branded hotel card might offer bonus points for stays at the hotel chain, free nights, and complimentary upgrades, making it an excellent choice for loyal customers of that brand. These cards provide tailored perks that can significantly enhance the value for consumers who frequently use the services of the co-branded partner, ensuring a more rewarding and personalized experience.

Travel Cards: Travel rewards cards are tailored for those who frequently spend on travel, offering perks like travel credits, free hotel nights, airport lounge access, and complimentary upgrades. These lucrative rewards can greatly enhance your travel experience. However, these cards often come with higher annual fees and APRs. It's essential to weigh the benefits against the costs to determine if they align with your travel habits and financial goals. Evaluating your spending patterns and travel frequency can help you decide if a travel rewards card is worth the investment.

Business Rewards Cards: These cards are designed for small business owners or entrepreneurs, providing rewards for business-related expenses like office supplies, advertising, and travel. Business rewards cards help manage expenses more efficiently by offering cash back or points on purchases essential to running a business. The rewards earned can be reinvested into the business, providing valuable savings and financial benefits. By optimizing spending with these cards, business owners can enhance their cash flow and take advantage of the perks tailored to their operational needs.

Balance Transfer Cards: If you have a lot of debt, a balance transfer card with a 0% introductory APR can be very beneficial. These cards allow you to transfer existing balances from high-interest credit cards and pay off the debt over a set period without accruing additional interest. This can save you significant money on interest payments and help you pay down debt faster. By consolidating your debt onto a single card with no interest during the introductory period, you can make more substantial progress in reducing your overall debt.

When choosing a credit card, consider your spending habits and financial goals. If you travel frequently, a travel rewards card or a miles card might be the best fit. For everyday purchases, a cashback or points card could offer the most value. Consider the annual fees, APRs, and potential rewards to ensure the card aligns with your financial strategy. With your very good credit score, you can choose from the best options available, maximizing the benefits while minimizing costs.

Getting a personal loan with a 768 credit score

Securing a personal loan with a 768 credit score should be a relatively smooth process. Most lenders do not require a score higher than 740, so you’re very unlikely to be rejected due to your credit score. Lenders view you as a prime candidate for loans due to your high score, offering you favorable terms and lower interest rates. Whether you're financing a large purchase, consolidating debt, or covering unexpected expenses, your excellent credit score will serve as a significant advantage.

With a very good credit score, you will have your choice of loans and lenders. Whether you need a loan to purchase a house, finance a car, or consolidate debt, your score puts you in a very good position to get the best rates and terms available. Take a look at your local credit union or a bank you already have a relationship with to see what they offer you. You can also explore online lenders and loan marketplaces that typically offer fast funding and a streamlined application process.

A few popular loan choices include:

Personal Loans: Personal loans are versatile and can be used for various purposes, including debt consolidation, home improvement, or major purchases. With a 768 credit score, you can expect to qualify for the best interest rates and terms available. These loans typically have fixed interest rates and fixed monthly payments, making them easy to budget for over the life of the loan. This predictability and flexibility make personal loans an attractive option for managing significant expenses while taking advantage of favorable financial conditions.

Debt Consolidation Loan: A debt consolidation loan combines multiple debts into a single loan with one monthly payment, often at a lower interest rate. This type of loan can simplify your finances and help you pay off debt faster. By consolidating high-interest credit card balances or other loans, you reduce the total interest paid and improve your ability to manage repayments. For those with a high credit score, debt consolidation loans can offer favorable terms and lower rates, making them an effective tool for achieving financial stability and reducing overall debt.

Business Loans: If you are an entrepreneur or a small business owner, a business loan can provide the capital needed for expansion, equipment purchase, or operational expenses. Your high credit score will make it easier to secure a business loan with favorable terms. Business loans come in various forms, including term loans, lines of credit, and SBA loans, each catering to different business needs. These options offer flexibility in managing your business finances and can help you achieve your growth and operational goals efficiently.

Secured Loans: Secured loans require collateral, such as a car, home, or other valuable asset, to guarantee the loan. This type of loan often comes with lower interest rates and higher borrowing limits compared to unsecured loans, as the lender has a tangible asset to claim if the borrower defaults. Common types of secured loans include mortgages, auto loans, and home equity loans. For borrowers with a high credit score, like 768, securing a loan with collateral can further enhance the chances of obtaining favorable terms, making it an attractive option for significant financial needs.

Auto Loans: Financing a vehicle with a 768 credit score will generally result in access to the lowest interest rates and the best loan terms. Whether you're buying a new or used car, your excellent credit score will give you leverage to negotiate favorable terms. Auto loans can have varying lengths, typically ranging from 36 to 72 months, and your high credit score can help you secure lower monthly payments. This can make your vehicle purchase more affordable and allow you to manage your finances more effectively.

Mortgages: When it comes to purchasing a home, a high credit score is crucial. With a 768 score, you can qualify for the lowest mortgage rates, potentially saving you thousands of dollars over the life of the loan. Various types of mortgages are available, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, and VA loans. Your excellent credit will give you the flexibility to choose the best mortgage product for your situation, allowing you to secure favorable terms and make homeownership more affordable.

Cash Advances: Cash advance apps offer a quick and convenient way to access small amounts of money before your next paycheck. These apps typically provide advances without the high fees and interest rates associated with traditional payday loans. Instead, they may charge a small flat fee, request a voluntary tip, or require a subscription to use. In addition, most will charge a fast funding fee if you need the money in minutes. While these apps can be helpful in managing short-term financial needs, it's important to use them responsibly to avoid dependency and ensure they complement a healthy financial plan.

Prequalifying and Comparing Offers: Before committing to any loan, it’s wise to prequalify and compare offers from at least three different lenders. Prequalification involves a soft credit check, which does not impact your credit score and provides an estimate of the loan terms you might qualify for. This step helps you understand your options and compare interest rates, loan amounts, and repayment terms across various lenders. Using online comparison tools and consulting with financial advisors can ensure you’re getting the best deal possible. This careful approach helps you make an informed decision and secure the most favorable loan terms.

Your 768 credit score positions you favorably across various types of loans. Whether you need a personal loan, business loan, auto loan, mortgage, or even a cash advance, your high score will help you secure the best terms and interest rates on the market. Always take the time to prequalify and compare offers to maximize your financial benefits and choose the loan that best fits your needs.

Take your 768 credit score with a grain of salt

While a 768 credit score is certainly a cause for celebration, it's important not to become complacent. Credit scores are fluid, and maintaining—or even improving—your score requires continuous attention to your financial habits. Regularly monitoring your credit report for errors or fraudulent activity is essential, as these can negatively impact your score if left unchecked.

It's also important to remember that while your credit score is very good, it’s only one component lenders consider. Other crucial factors include your income, employment status, and debt levels. For example, you might have a very good credit score but still be rejected for a loan if your debt-to-income ratio is too high. This ratio reflects the amount of your income that goes toward debt repayment and can indicate to lenders whether you can manage additional debt.

Additionally, opening too many new credit accounts within a short period can raise red flags for lenders, even if your credit score is high. This behavior can be interpreted as a sign of financial instability or overextension, potentially leading to loan denials.

While a 768 credit score is a strong asset, it's essential to maintain responsible financial practices and be aware of other factors that influence lending decisions. Celebrate your high score, but stay vigilant and proactive to ensure your financial health remains robust.

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 768 credit score

Generally speaking, with a 768 credit score, you’re qualified for the best financial products on the market. You can be satisfied with what you’ve achieved and focus on maintaining your positive financial habits. However, if you aspire to bring your score as high as it can go, reaching the elite 800s can bring a sense of accomplishment and the prestigious label of being exceptional.

To get there, continue practicing your good credit habits. Always pay your bills on time, as this is the most significant factor in maintaining and boosting your score. Work on paying down any existing debt to reduce your credit utilization rate; aim to keep it below 10% for maximum benefit. Try to pay your balances in full each month to avoid interest charges and demonstrate responsible credit use.

Additionally, be mindful of how often you apply for new credit. Each application results in a hard inquiry, which can temporarily lower your score. Space out credit applications to minimize their impact.

Patience is essential. Achieving an exceptional score takes time, as the length of your credit history is a significant factor. Keep your accounts open and active, avoid unnecessary closures, and allow your credit history to mature. With diligence and time, you can achieve the satisfaction of an exceptional credit score.

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.

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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

762 763 764 765 766 767 769 770 771 772 773 774

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768 Credit Score: Is It Good or Bad?

What kind of credit score is 768?

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