What Can You Get Approved For With a 744 Credit Score?

With a 744 credit score, you can likely get approved for rewards credit cards, 0% intro APR cards, personal loans, prime-rate auto loans, and most mortgages, as long as your income and debts support what you're borrowing.

A 744 is very good credit, but it sits near the bottom of that range. At 760, 16 points up, Fannie Mae's mortgage fee drops.

Is 744 a good credit score?

Yes. FICO's very good range runs from 740 to 799, and 744 sits near the bottom of it, 4 points above where very good starts.

What stands between 744 and higher pricing tiers is usually one of these factors:

• Card balances. Using a large share of your available credit holds your score down, even if you pay in full each month. Your issuer reports the balance on your statement.
• History length. A score backed by a few years of accounts has less to go on than one backed by a decade. Length of credit history only grows with time.
• Recent applications. Each hard inquiry can take a few points off for about a year. At 744, that can be enough to slip below 740.

Read more >> What Is a Good Credit Score in 2026?

What can you get approved for with a 744 credit score?

At 744, most lenders will approve you if your income, your job history, and your debt-to-income ratio (DTI) check out. What's left is the price you get.

Credit cards

Rewards cards with cash back, points, welcome offers, or long 0% intro APR periods are realistic at 744. Some premium travel cards may look for higher scores.

If you qualify for several, compare them on what you'll actually use: travel perks, cash back on everyday spending, bonus categories, or how long the intro period lasts. Get prequalified where you can. Prequalification uses a soft credit check that doesn't harm your credit. A full application triggers a hard inquiry.

A very good score doesn't make card interest cheap. The average rate on card accounts charging interest is 22.15%, according to the Federal Reserve. An intro 0% period helps only if you pay the balance off before it ends.

Personal loans

Most personal lenders will approve a 744 if your income and DTI support the loan. Expect offers below the middle of a lender's advertised range, though not always its lowest rate.

The Federal Reserve's average for a 24-month bank personal loan is 11.86%, and a 744 borrower can often get offers below it. Federal credit unions can't charge more than 18% on most loans, so include them when you compare options.

Auto loans

At 744, you're in Experian's prime tier (661 to 780), 37 points below super prime at 781. Your credit score plays a major role in the interest rate you're offered on a car loan. On a $20,000, 60-month new car loan at average rates, a prime borrower would pay about $1,000 more in interest than a super prime borrower. Experian sorts these tiers by VantageScore 4.0, so your FICO score may place you a little differently.

Manufacturer promotions like 0% financing may be in reach, so ask the dealer what score a specific promotion requires. Before you visit a dealer, get preapproved by a bank or credit union. That gives you a rate to compare against the dealer's offer and any promotion.

Use an auto loan calculator to check payment amounts before you sign.

Mortgages

At 744, most mortgage types are open to you, and you're 16 points from Fannie Mae's next fee band:

• Conventional loans. Fannie Mae charges lenders an upfront fee on the loans it buys, based on your score and down payment. With 20% down, the fee is 0.875% of the loan amount at 740 to 759, 0.625% at 760 to 779, and 0.375% at 780+. On a $200,000 loan, that's $1,750 at your score, $1,250 at 760, and $750 at 780. You'd see the difference in your rate or your closing costs. Lenders set their own minimum scores.
• FHA loans. These loans are an option, but they carry their own mortgage insurance premium. Borrowers with scores of 580 or higher can qualify with 3.5% down. Lenders can set higher minimums. At 744, compare an FHA quote with a conventional one, especially if your down payment is small.
• Jumbo loans. Each lender sets its own score, income, and reserve requirements for loans above conventional limits, usually stricter than for conventional loans. Whether 744 qualifies depends on the lender, so ask each one.

Small rate differences add up on a mortgage. For example, on a $300,000, 30-year loan, 6.0% instead of 6.5% saves about $98 a month, or about $35,000 over the life of the loan.

Run the numbers >> Use Kikoff's mortgage calculator to estimate your monthly payment and plan your homebuying budget.

What interest rates can you expect with a 744 credit score?

Expect solid offers, but not always a lender's best. Exact rates depend on the lender, the loan, and market conditions. The Federal Reserve's averages across all borrowers were 22.15% for card accounts charging interest and 11.86% for 24-month bank personal loans. At 744, your offers will likely land below both.

Fannie Mae's mortgage fee drops at 760, 16 points up. After that come 780 for the top fee band and 781 for Experian's super prime auto tier. Exceptional credit starts at 800, but reaching it changes what you're called more than your price.

5 ways to protect or raise a 744 credit score

1. Check your reports before a big application. You can get all three for free every week at AnnualCreditReport.com. If anything is wrong, like an account that isn't yours, dispute it with the bureau reporting it.
2. Keep reported balances low. Your issuer usually reports your statement balance. Paying it down before the statement closes keeps your utilization low, even if you already pay in full.
3. Never miss a payment. Payment history makes up 35% of a FICO Score, and a late payment stays on your report for seven years.
4. Limit new applications. Each hard inquiry can take a few points off for about a year. When you're shopping for an auto loan, mortgage, or student loan, keep it within a tight window. FICO counts those inquiries as one if they fall within 14 to 45 days, depending on the FICO version. Credit card and personal loan applications each count separately.
5. Think twice before closing a card. Closing one removes its credit limit, which can raise your utilization if you carry balances on other cards.

If your report is thin on accounts, adding one helps. A Kikoff Credit Account reports your payments to all three bureaus.

Read more >> What Can You Get Approved For With a 770 Credit Score?

Bottom line

A 744 score gets you approved for most cards, loans, and mortgages. From here, your score decides how much you pay. Reaching 760, 16 points away, lowers your mortgage fee, and the best mortgage and auto pricing starts at 780 and 781. Because you're just above 740, low reported balances and fewer hard inquiries matter more than chasing 800.

Kikoff brings credit building, bill and rent reporting, AI-powered disputes, credit monitoring, and debt negotiation into one place. Sign up with no credit check. Plans start at $5 a month.