Written by: Joey Robinson | Edited by: Tracy Stewart | Reviewed by: Brady Porche

October 12, 2021


Having an excellent credit score means having your pick of the very best financial products and services. The range of credit cards available to those with excellent credit tend to have the lowest interest rates, lucrative introductory offers, high rewards, and top-of-the-line luxury perks. So what constitutes excellent credit? By FICO standards, it takes a score of 740 to 850, while VantageScore considers 781 to 850 to be excellent.

Once you’ve chosen a card that best aligns with your spending habits, it’s important to maintain your excellent credit. Aside from paying your bills on time and carrying a minimal balance, that also includes strategic measures such as consolidating smaller debts and making sure your overall debt doesn’t exceed 20% of your annual income. Below you’ll find additional steps you can take to ensure your credit score remains excellent.