820 Credit Score (2024)

An 820 credit score is a perfect credit score. Despite being just shy of the highest credit score possible (850), a credit score of 820 qualifies as perfect because improving your score further is unlikely to save you money on loans, lines of credit, car insurance, etc.

Membership in the 800+ credit score club is quite exclusive, with fewer than 1 in 6 people boasting a score that high, according to WalletHub data. Since so few people have such high scores, lenders don’t split the 800+ credit score crowd into smaller groups that get separate offers.

Key Things to Know About an 820 Credit Score

• Credit Rating: 820 is an excellent credit score, which is even better than a good score. You can even classify an 820 credit score as being perfect.
• Borrowing Options: All borrowing options are available, and the terms are likely to be very attractive. For example, you should be able to qualify for the best credit cards and the best personal loans.
• Best Way to Improve an 820 Credit Score: Reducing the credit utilization on your credit card accounts could quickly boost your score. You can also check out your WalletHub credit analysis for personalized tips.

Below, you can learn more about what an 820 credit score gets you, how you can get one if you’re not already in the 800+ credit score club, and whether 850 is a worthwhile goal.

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What Does an 820 Credit Score Get You?

With an 820 credit score, you are well-positioned to qualify for any financial product, from the best credit cards and personal loans to the best auto loans and mortgages.

An 820 credit score doesn’t guarantee you approval, however, because your income and existing debt obligations matter, too. But your odds of success are extremely high.

To give you an idea of the possibilities, we’ve put together a list of popular credit card offers available to people with an 820 credit score.

Popular Credit Cards for an 820 Credit Score

The best credit cards typically require good or excellent credit for approval, which means someone with an 820 credit score has a very good chance of qualifying. The trick is finding the right card for your needs.

You should compare credit cards with rewards if you plan to use your card for everyday purchases that you can pay off by the end of the month. If you’re planning big-ticket purchases or a balance transfer that will take months to pay down, compare credit cards with 0% introductory APR offers.

How to Get an 820 Credit Score

If you’re not yet a member of the 800+ credit score club, you can learn how to join by checking your free personalized credit analysis on WalletHub. We’ll tell you exactly what you need to change and exactly how to do it.

Get Your Personalized Credit Analysis – 100% Free

Paying your bills on time every month and keeping your credit utilization below 10% are the keys to success in most cases. But you can’t beat a customized credit improvement plan.

Who Has an 800+ Credit Scores?

Below, you can see what percentage of people have a credit score of 800+ as well as how the size of that segment compares to other tiers in the credit score range.

14.5% of people have a credit score of 800 or higher:

All columns may not add up to 100% due to rounding.

Do You Need an 850 Credit Score?

Nothing magical will happen if your credit score of 820 ticks up to 850. And most importantly, you probably won’t save more money. You don’t need to take our word for it, though. We consulted a panel of financial experts, all of whom said the same thing.

Ask the Experts: Top Tier Tips

1. Is there any point in trying to reach an 850 credit score? Would reaching the highest possible credit score save someone with excellent credit any money?

Top 10 Resources for an 820 Credit Score

1. What Is a Perfect Credit Score & How Do You Get One?
2. Free Credit Analysis
3. Free Credit Score Simulator
4. 24/7 Free Credit Monitoring
5. How To Improve Your Credit Utilization
6. Best Credit Cards
7. Best Debt Consolidation Loans
8. Best Car Insurance
9. What’s Included in Your Credit Report & When Does It Get Updated?
10. Why Did My Credit Score Drop? Top 10 Causes

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