By CreditNinja
Modified on June 13, 2024

Most financial institutions consider 810 to be an exceptional credit score.

810 is categorized as an “excellent” credit score by the FICO credit scoring model.

A Tier 1 credit category is the highest rating possible. According to WalletHub, only 21% of the U.S. population has a FICO Score between 800 and 850.¹ Borrowers with this type of score usually qualify for the best loan and credit card terms on the market.

Key Takeaways for an 810 Credit Score

Overview of Your
Credit Rating

An 810 FICO Score demonstrates that you have a long credit history of exceptional credit management. Most people do not have this type of credit rating, so feel proud!

Borrowing Options With an
810 Credit Score

Borrowers can expect to qualify for the best deals on financial products. You can expect to have almost every financing option available to you.

Improving a 650
Credit/FICO Score

You can maintain your fantastic score by limiting your credit inquiries and credit card debt. Keep in mind that you can keep raising your score up to 850 points!

Is an 810 Credit Score Good?

A good credit score ranges from 670 to 739 points and belongs to the Tier 3 credit category. If you have an 810 score, you have a Tier 1 credit score, which is basically perfect. A good credit score is the bare minimum requirement with most lenders, which means you may get approved with almost any lender.

What Can I Get Approved For?


4.9 Trustpilot Rating

  • Personal loans
  • Car loan refinance
  • Low fixed rates
  • No hidden fees

Upstart is an online lending platform that partners with banks to provide personal loans from $1,000-$50,000. Upstart goes beyond traditional lending metrics to help borrowers find financing that considers their education, work experience, and more.

Min Credit Score Depends on Specific Lender


4.6 Google Rating

  • Highest payouts
  • Instant cashouts
  • Daily bonuses
  • No credit score required

With Freecash, you get paid for testing apps, games, and surveys. Start by choosing an offer on the ‘earn’ page. Most offers only take 5-10 minutes to complete. Once you complete the offer, you’ll be rewarded with coins that you can exchange for cash.

No Minimum Credit Score Required


4.8 Google Rating

  • Network of lenders
  • Home purchase
  • Home equity line of credit
  • Home refinance

eMortgage is here to help you find the right home loan, refinance, HELOC, or reverse mortgage you need. Fill out some simple information about the type of property and loan you need, and they’ll connect you with up to 5 lenders who can help.

Min Credit Score Will Depend on the Lender You Choose

You are likely to get approved for the following financial products with an 810 score:

Personal Loans

You are likely to get approved for a personal loan if you have an excellent credit history. Personal loans can be a great financing option for all types of emergencies.   

Bank Loans

If you have an 810 score, you may be eligible for all types of bank loans. Banks generally offer mortgages, installment loans, auto loans, and lines of credit. 

Credit Cards

Credit card issuers generally only offer high credit limits and low interest rates to borrowers with excellent credit. If you are thinking of opening new credit card accounts, know that you could be eligible for rewards cards that offer travel miles, cash back, or redeemable points. A4A estimates rewards earned from airline credit cards paid for 15 million domestic visitor trips in 2022.²

These are some of the best credit cards for high FICO Scores:

  • The Platinum Card® from American Express
  • Chase Sapphire Preferred® Card
  • Capital One Venture X Rewards Credit Card
  • American Express® Gold Card
  • Bank of America® Travel Rewards Credit Card

Car Loans

A car loan is a variable-rate loan that can help you get a new or used car. An 810 score can help you qualify for a low annual percentage rate (APR) that reduces your overall interest cost. 

Products To Help Maintain an 810 Credit Score

These are a few products you may qualify for:

Credit Monitoring 

You can monitor your credit score fluctuations by looking at your monthly loan or credit card statements. Your bank or creditor may also offer free FICO Scores through your online account.  

Budgeting Apps

A budgeting app can help you keep track of your spending and achieve financial goals. Scheduling your monthly payments through a budgeting app can also prevent late payments.  

Automatic Payments

You can opt-in for autopay to ensure you pay down your credit card debt. You can automatically pay your statement balance, current balance, or a specific amount to reduce your loan principal.

Benefits of an 810 Credit Score

These are some benefits you can receive:

Safety Net

Having such a high score reduces the negative effects of small credit decreases. When you can afford to lose a few points, you can confidently undergo a credit check.   

Low Rates

A good or excellent credit score can make you eligible for the lowest rates a lender can offer. A low-interest rate on a loan can greatly reduce the amount you pay to borrow funding.

Easy Approval 

Exceptional credit scores can make consumers eligible for almost any loan or credit card. If you are approved quickly, you can avoid having to make multiple inquiries. 

How To Maintain Your 810 Credit Score

You can maintain your exceptional score by following these finance tips:

Limit Credit Inquiries 

Making too many credit inquiries can greatly decrease your credit scores. Hard credit checks will remain on credit reports for up to two years. If you have multiple inquiries within a short period, lenders may suspect you have trouble managing your finances. 

Watch Credit Card Balances

Carrying too much credit card debt can negatively affect your credit score. Avoid using more than 30% of your total credit limits to maintain excellent credit scores. 

Avoid Closing Old Credit Accounts  

Closing your old credit accounts may hurt your credit because you change the average length of your credit history. To prevent inactive closures from the creditor, make sure you use your credit cards every couple of months.   

FAQs About 810 Credit Scores

Absolutely! An 810 credit score puts you in a prime position with virtually any credit card issuer. This score signals that you’re an exceptional borrower, which can lead to offers for cards with premium benefits. It’s always a good idea to shop around and compare offers from different issuers to find the best deal for your financial situation.

While an 810 credit score is excellent, it’s normal for credit scores to fluctuate slightly over time due to various factors. To minimize fluctuations, continue managing your credit wisely by making all your payments on time, keeping your credit card balances low, and only applying for new credit when necessary.

Consider adding a mix of revolving credit, like credit cards, and installment loans, such as an auto loan or mortgage, to further strengthen your credit profile. Diversifying your credit shows lenders you can handle different types of credit responsibly. Just ensure you’re comfortable with managing the additional payments before taking on new financial obligations.

Yes, it’s crucial to regularly check your credit report. Errors on a credit report can negatively impact your credit score, but regular monitoring helps you catch and dispute any inaccuracies quickly. You’re entitled to a free credit report from each of the three major credit bureaus every year through

What Interest Rate Can I Get With an 810 Credit Score?

You can expect to get low rates if you have high credit. Credit scores that are higher than 800 points usually get the best APRs on various financial products. 

Take a look at the average rate you can expect for common loan options below:

Loan Type

Credit Score Range

Average Interest Rate*

Auto Loan

781 to 850

5.64% (New Car), 7.66% (Used Car)

Personal Loan

720 to 850

9% to 13%


760 to 850

6.678% (30-year fixed)

*Disclaimer: These rates can vary based on various factors, including the lender, loan amount, and specific terms of the loan.

Can I Buy a House With an 810 Credit Score?

Excellent credit scores are not necessary to qualify for a mortgage, but they can help you get higher loan amounts and better rates. Conventional loans have more strict qualification requirements than non-conventional loans because they are not backed by the government. However, a perfect credit score can increase your lending options and may give you leverage when trying to purchase a home. 

Top 5 Resources for an 810 Credit Score

Related Credit Scores

800  802  804  806  808  812  815  818  820  822


    1. What percentage of the population has an 800 credit score?│WalletHub
    2. New Polling Shows Consumers Highly Value Airline Credit Card Points│A4A