By CreditNinja
Modified on May 22, 2024

A 792 credit score is a very good credit score! If you are in this category, you should have a smooth time with your finances, including borrowing from a loan or credit card.

25% of consumers have a credit score in the good credit score range.¹

A 792 credit score is only a few points away from an excellent credit score, and with the right steps, you may be able to get to this highest credit score range. Additionally, when your credit score is higher, maintaining it will require some work and knowledge—which we will share with you below!

Key Takeaways for a 792 Credit Score

Overview of Your
Credit Rating

A 792 credit score is considered a very good credit score! Getting here takes a fair amount of positive, consistent work.

Borrowing Options With a
792 Credit Score

With a 792 credit score, you shouldn’t have any issues meeting the minimum credit score requirements with most, if not all, lenders.

Maintaining a 792
Credit/FICO Score

Maintaining a 792 credit score will mean being strategic with your credit mix, and credit utilization, and continuing positive actions like on-time payments.

Is a 792 Credit Score Good?

A 792 is better than good; it’s considered an excellent credit score! Having this credit score will mean lots of advantages when borrowing money. Improving this score by just a few points will get you to a higher credit score category.

What Can You Get Approved for With a 792 Credit Score?

There are going to be lots of different kinds of credit options that you could get approved for with a 792 credit score. Here is more information on some popular choices:

Personal Loans

Personal loan options are unsecured loans used for all kinds of unexpected expenses as well as planned costs. The flexibility of use and several different personal loan options make them a popular financial solution for many consumers.

Bank Loans

Bank loans can be personal loans, credit cards, mortgages, auto loans, and more. If a bank offers it, then it can fall into this category. Banks usually have decent rates, but you’ll need to have a very good credit score to qualify, which, with a 792 score, should not be an issue.

Credit Cards

With a 792 credit score, you should be able to choose from several credit cards, and you will likely get the best interest rates and the best credit card rewards. Just ensure that you track your credit utilization and general spending. Here are some credit cards for a 792 score:


Credit Card


Introductory Offers

Annual Fee

Other Benefits

Chase Freedom Unlimited®

Unlimited 1.5% cash back on most purchases; higher rates on travel, dining, and drugstores

0% APR on purchases and balance transfers for the first 15 months


Purchase protection, extended warranty

Wells Fargo Active Cash® Card

Flat 2% cash rewards on purchases

0% APR for 15 months on purchases and qualifying balance transfers


Cell phone protection

Wells Fargo Reflect® Card


0% APR for up to 21 months on purchases and balance transfers


Longer introductory APR period, great for large purchases or debt management

Capital One Venture Rewards Credit Card

2X miles per dollar on every purchase

75,000 bonus miles after spending $4,000 in the first 3 months


Transfer miles to travel loyalty programs, no foreign transaction fees

Blue Cash Preferred® Card from American Express

6% at U.S. supermarkets and on streaming, 3% on transit and gas, 1% other purchases

0% APR on purchases for the first 12 months

$95 (waived first year in some offers)

High cash back rates for groceries and streaming, ideal for families


Car Loans

Car loans or auto loans are secured loans for financing the purchase of a new or used vehicle. With a 792 credit score, you can expect repayment terms that work best for you, along with lower interest rates. 

Products To Help Maintain a 792 Credit Score

Maintaining a credit score can mean taking specific actions and/or refraining from certain ones. Here are some products that can help you maintain a 792 credit score:

Credit Monitoring Services

Credit monitoring services can be extremely helpful when trying to maintain your credit score. Your credit reports have all of your credit history, and any changes will be reflected on those reports. Sometimes, mistakes can happen, and if you don’t correct them, they can hurt your credit scores. Credit monitoring services will alert you of any new changes so you can stay on top of things. 

Automatic Payments 

Autopay can be extremely helpful in paying your credit accounts on time. Instead of having to remember due dates, the payments will be deducted automatically from your bank account. On-time payments are essential to keeping your credit score in a very good range. 

Credit Score Simulators

When you have a really high average credit score, actions that you take (even if you think they are going to be beneficial for your finances) can sometimes hurt your credit score. A credit score simulator can help you determine the general direction your credit score may land (negative or positive) depending on a potential action.

Benefits of a 792 Credit Score

There are many benefits that you’ll get with a 792 credit score. Here are some to look forward to with credit in one of the higher credit score categories:

Easier Time With Loan Approval

Having a 792 credit score will make it easier to get approval for loans and credit cards. This can be a huge advantage when you are trying to borrow money for an emergency. 

Lower Borrowing Costs 

You’ll have lower borrowing costs when you have a good credit score; with a 792 score, you should be able to have lower interest rates and APRs, which can mean huge savings! 

More Housing Opportunities 

Whether you are thinking about renting or buying a home, having a great credit score will put you in good shape for both endeavors. This can put you ahead of others who want to rent or purchase the same place!

How To Maintain Your 792 Credit Score

Here are some things you can do to maintain your 792 credit score:

Pay Your Bills On Time 

If you have great credit, then you probably already have a positive payment history. To maintain your very good credit score, you’ll have to continue doing so. 

Keep Your Credit Utilization Ratio Under 30%

Your credit utilization measures your available credit against your existing debt. Keeping this ratio under 30% will really help your credit scores, while going above 30% can hurt them. 

Diversify Your Credit Mix 

When your average credit score is in the higher range, credit mix becomes more impactful to your credit scores. So, it’s important to really think about the different kinds of credit accounts that are a part of your credit history. Having diversity shows lenders that you have experience with different kinds of accounts. 

FAQs About 792 Credit Scores

Having a higher credit score can significantly improve your loan terms when applying for an auto loan. With a credit score of 792, you’re likely to secure lower interest rates and potentially a larger down payment compared to someone with just an average credit score. This can result in substantial savings over the life of the loan.

FICO scores are a specific type of credit score used by many lenders to determine credit risk. A FICO score of 792 is considered excellent and reflects a proven track record of financial responsibility on your credit report, which can enhance your eligibility for better credit limits and loan terms.

Yes, excellent credit scores can provide more flexibility in managing credit usage. With a higher credit score, lenders might offer you higher credit limits, which can help keep your credit utilization ratio low—even if your overall credit usage is high—thereby maintaining or even improving your credit score.

Paying interest on installment loans doesn’t directly affect your credit scores, whether average or FICO. However, consistently meeting payment obligations, including interest, helps maintain a healthy credit score by demonstrating financial reliability.

Managing annual fees effectively and reactivating inactive accounts can help enhance your credit’s diversity, which is beneficial for those with an already high FICO score. This shows lenders that you can handle various types of credit responsibly, which might further boost your excellent credit standing.

What Interest Rate Can I Get With a 792 Credit Score?

Your interest rate will likely be lower for all the loan options and credit cards you are considering. This can be a huge advantage when you need to borrow money for any expense or emergency. If you manage to improve your credit and move into the highest credit score tier, then you may see even lower rates!

Can I Buy a House With a 792 Credit Score? 

Several factors influence whether you will qualify for a mortgage. When it comes to credit requirements, most lenders require at least a fair credit score. So, a 792 credit score should be okay with most mortgage options!

Top 5 Resources for a 792 Credit Score

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  1. 792 Credit Score: Is it Good or Bad? | Experian
  2. 792 Credit Score | WalletHub