{"id":209095,"date":"2026-02-26T16:10:03","date_gmt":"2026-02-26T16:10:03","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=209095\/"},"modified":"2026-04-08T14:35:10","modified_gmt":"2026-04-08T14:35:10","slug":"average-credit-score","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/average-credit-score\/","title":{"rendered":"VantageScore Updates America\u2019s Average Credit Score \u2014 Is Your Score Above Average?"},"content":{"rendered":"<p>VantageScore \u2014 the credit scoring model created by Equifax, Experian, and TransUnion \u2014 was developed to provide a consistent score across all three credit bureaus. It's used by many lenders and plays a major role in credit card approvals.<\/p>\n<p>The company recently released the latest average credit score in the U.S., and if you\u2019re planning to open a new credit card, it\u2019s worth knowing where you stand. Let\u2019s break down the numbers, what they mean, and how your score could affect your next application.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#VantageScore_Reveals_Americas_Average_Credit_Score\">VantageScore Reveals America\u2019s Average Credit Score<\/a><\/li><li><a href=\"#How_Credit_Scores_Work\">How Credit Scores Work<\/a><ul><li><a href=\"#VantageScore_credit_score_ranges\">VantageScore credit score ranges<\/a><\/li><li><a href=\"#FICO_credit_score_ranges\">FICO credit score ranges<\/a><\/li><\/ul><\/li><li><a href=\"#AwardWallet_Credit_Resources\">AwardWallet Credit Resources<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"VantageScore_Reveals_Americas_Average_Credit_Score\">VantageScore Reveals America\u2019s Average Credit Score<\/span><\/h2>\n<p>VantageScore has reported that the <strong>average American has a credit score of 700<\/strong> as of January 2026. That\u2019s a couple of points lower than 2025 \u2014 but other trends tell a worrying story beyond just a drop of a point or two.<\/p>\n<p>Banks are starting to pull back on new card openings. VantageScore\u2019s latest CreditGauge report shows that new personal loan, auto loan, and mortgage originations all increased in January 2026 &#8212; but card originations decreased slightly, suggesting card issuers are getting a bit more cautious.<\/p>\n<p>However, the real troubling signs are in the mortgage industry. Early-stage delinquencies (30\u201359 days past due) rose by almost 31% year-over-year. Other mortgage delinquencies are up, too, with late-stage delinquencies (90\u2013119 days past due) up nearly 15% year-over-year.<\/p>\n<p>So while the average score hasn\u2019t dropped much, these signs point to a tighter credit environment \u2014 where strong credit habits matter more than ever. Keeping balances low, paying on time, and avoiding too many new inquiries can help you stay above that 700 mark and improve your odds when applying for new cards.<\/p>\n<h2><span id=\"How_Credit_Scores_Work\">How Credit Scores Work<\/span><\/h2>\n<p>Credit scores range from 300 to 850, so one might expect the average to be closer to the midpoint of ~600 rather than over 700.\u00a0Of course, the better your credit score, the better your chances are of being approved for a credit card. According to <a href=\"https:\/\/www.chase.com\/personal\/credit-cards\/education\/credit-score\/what-credit-score-is-needed-for-rewards-card\" target=\"_blank\" rel=\"noopener\">this article<\/a> from Chase:<\/p>\n<blockquote><p><em>Generally, a &#8220;good'&#8221; credit score may increase the chances of being approved for most rewards credit cards.<\/em><\/p><\/blockquote>\n<p>So, what counts as a &#8220;good&#8221; credit score? The same article lays out the ranges for both the VantageScore and FICO credit scores:<\/p>\n\n<table id=\"tablepress-1063\" class=\"tablepress tablepress-id-1063 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Category<\/th><th class=\"column-2\">VantageScore<\/th><th class=\"column-3\">FICO Score<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Excellent \/ Exceptional<\/td><td class=\"column-2\">781 to 850<\/td><td class=\"column-3\">800+<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Very Good<\/td><td class=\"column-2\">n\/a<\/td><td class=\"column-3\">740 to 799<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Good<\/td><td class=\"column-2\">661 to 780<\/td><td class=\"column-3\">670 to 739<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Fair<\/td><td class=\"column-2\">601 to 660<\/td><td class=\"column-3\">580 to 669<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Poor<\/td><td class=\"column-2\">500 to 600<\/td><td class=\"column-3\">579 and below<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">Very Poor<\/td><td class=\"column-2\">300 to 499<\/td><td class=\"column-3\">n\/a<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h3><span id=\"VantageScore_credit_score_ranges\">VantageScore credit score ranges<\/span><\/h3>\n<ul>\n<li><strong>Excellent<\/strong>: 781 to 850<\/li>\n<li><strong>Good<\/strong>: 661 to 780<\/li>\n<li><strong>Fair<\/strong>: 601 to 660<\/li>\n<li><strong>Poor<\/strong>: 500 to 600<\/li>\n<li><strong>Very Poor<\/strong>: 300 to 499<\/li>\n<\/ul>\n<h3><span id=\"FICO_credit_score_ranges\">FICO credit score ranges<\/span><\/h3>\n<ul>\n<li><strong>Exceptional<\/strong>: 800+<\/li>\n<li><strong>Very Good<\/strong>: 740 to 799<\/li>\n<li><strong>Good<\/strong>: 670 to 739<\/li>\n<li><strong>Fair<\/strong>: 580 to 669<\/li>\n<li><strong>Poor<\/strong>: 579 and below<\/li>\n<\/ul>\n<p>These ranges show a score as low as ~670 may be considered &#8220;good.&#8221; However, we generally recommend that you have a score of at least 700 before applying for popular cards such as the <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0790691d453ffcb3db3161188808c51b3&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<div class=\"qs-card\" data-id=\"2061159\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/7e0262fd-5b61-413b-8b01-c8feec5b1d04.png\" alt=\"Chase Sapphire Preferred\u00ae Card\" width=\"150\"\/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Preferred\u00ae Card' data-ccid=\"2061159\" href=\"\/blog\/link\/ChaseSapphirePreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"2061159\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005147&type=3&subid=0790691d453ffcb3db3161188808c51b3&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">Our <a href=\"https:\/\/awardwallet.com\/credit-cards\/best-beginners-rewards-card\/\">#1 recommended beginners rewards card<\/a> featuring a 75,000-point signup bonus after you spend $5,000 on purchases in the first 3 months from account opening. This card comes with great benefits and earns valuable Ultimate Rewards points.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.<\/li><li>Enjoy benefits such as 5x on travel purchased through Chase Travel&#x2120;, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases<\/li><li>Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel&#x2120;<\/li><li>10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.<\/li><li>Count on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.<\/li><li>Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12\/31\/27. Plus, a $10 promo each month on non-restaurant orders.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>5X points on Lyft rides through September 2027<\/li>\r\n<li>5X points on travel purchased through Chase Travel\u2120<\/li>\r\n<li>3X points on dining at restaurants worldwide<\/li>\r\n<li>3X points on eligible streaming services<\/li>\r\n<li>3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)<\/li>\r\n<li>2X points on all other travel<\/li>\r\n<li>1X point per dollar spent on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/SapphirePreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-10c75861e8#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p>Although credit score is only part of the equation when banks consider credit card applications, it obviously carries the most weight. Generally speaking, an above-average credit score is needed for approval for the most popular &#8212; and lucrative &#8212; points-earning cards, so managing your score well is very important.<\/p>\n<figure id=\"attachment_178302\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-178302 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash.png\" alt=\"Woman holding a credit card in one hand and a mobile phone in the other hand.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Credit-Card-Featured-Vitaly-Gariev-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Vitaly Gariev\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"AwardWallet_Credit_Resources\">AwardWallet Credit Resources<\/span><\/h2>\n<p>AwardWallet has several resources for checking and managing your credit score &#8212; as well as tips to improve your credit if needed.<\/p>\n<ul>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">Beginner's guide to building healthy credit<\/a>:<\/strong> This guide walks beginners through the steps to get you on the right path to a solid credit history.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/tips-managing-credit-score\/\" rel=\"noopener\">Managing your credit score<\/a>:<\/strong> This post outlines the basis of credit scores and gives helpful tips on how to manage your score effectively.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/free-credit-score-check\/\" rel=\"noopener\">Check your credit score for free<\/a>:<\/strong> Obtain your free report from all three bureaus on a weekly basis, if desired. This can help you keep tabs on your score and make sure everything looks good.<\/li>\n<\/ul>\n<h2><span id=\"Final_Thoughts\"><strong>Final Thoughts<\/strong><\/span><\/h2>\n<p>If you\u2019re aiming to open new credit cards \u2014 especially <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/100k-point-offers\/\" rel=\"noopener\">those offering big welcome bonuses<\/a> \u2014 understanding your credit score is essential. With the average American credit score now sitting at 700, getting above that threshold can help you stand out to issuers and improve your chances of approval.<\/p>\n<p>Whether you're just getting started or looking to fine-tune your credit profile, having a strategy in place can be the key to unlocking valuable points and miles down the road.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>VantageScore just unveiled the average credit score for Americans. We highlight the score as well as several ways you can learn about, monitor, and manage your credit score to help earn valuable points and miles.<\/p>\n","protected":false},"author":94,"featured_media":132228,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12054],"tags":[15021],"coauthors":[36490,36387],"class_list":["post-209095","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips","tag-credit-score"],"acf":[],"yoast_head":"<title>VantageScore Unveils the Average Credit Score for Americans<\/title>\n<meta name=\"description\" content=\"VantageScore announced America&#039;s average credit score. 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