728 Credit score: What You Need to Know in 2025

Who Has a 728 Credit Score?

While age isn't a direct factor in calculating your credit score, there is a strong correlation between the two. According to 2023 data from Experian, average scores tend to climb with each successive generation, largely due to factors like a longer credit history and a more established track record of payments.

• Generation Z (ages 18-26): 680
• Millennials (ages 27-42): 690
• Generation X (ages 43-58): 709
• Baby Boomers (ages 59-77): 745
• Silent Generation (ages 78+): 760

Credit Cards With a 728 Credit Score

With a 728 credit score, you're in a great position to get approved for a wide variety of credit cards. Lenders view this score as a sign of a reliable borrower, opening the door to cards with competitive interest rates, attractive rewards programs, and higher credit limits. While you'll likely qualify for most cards, pushing your score even higher into the "excellent" range could unlock the most premium offers available.

‍

Kudos offers personalized tools like Dream Wallet, which analyzes your spending habits to find the best card match for your financial situation. The platform also provides insights into how applying for a new card may impact your credit score, helping you make an informed decision.

Auto Loans and a 728 Credit Score

With a 728 credit score, you fall squarely into the 'prime' borrower category, which significantly boosts your chances of getting approved for an auto loan. Lenders view you as a reliable borrower, and according to Experian's Q2 2025 report, your score qualifies you for competitive rates compared to other tiers.

• Super-prime (781-850): 5.25% for new cars and 7.13% for used cars
• Prime (661-780): 6.87% for new cars and 9.36% for used cars
• Non-prime (601-660): 9.83% for new cars and 13.92% for used cars
• Subprime (501-600): 13.18% for new cars and 18.86% for used cars
• Deep subprime (300-500): 15.77% for new cars and 21.55% for used cars

Mortgages at a 728 Credit Score

A 728 credit score makes you a strong candidate for almost any home loan. You'll comfortably qualify for conventional loans, which typically require a score of 620 or higher. You also meet the stricter requirements for jumbo loans and easily surpass the minimums for government-backed options like FHA, VA, and USDA loans. Lenders view a 728 score as low-risk, giving you access to a wide range of mortgage products.

‍

This strong credit profile directly translates to more favorable loan terms. You can expect to receive lower interest rates than borrowers with scores in the 600s. Additionally, a 728 score can reduce your Private Mortgage Insurance (PMI) costs on conventional loans and may provide leverage for negotiating closing costs, ultimately making your mortgage more affordable.

What's in a Credit Score?

Figuring out what goes into your credit score can feel like trying to solve a complex puzzle, but it generally boils down to a handful of key financial habits. Here are the most common factors that determine your score:

• Your history of making payments on time is the most significant factor.
• The amount of your available credit that you're currently using, known as your credit utilization ratio, plays a major role.
• How long you've had your credit accounts open contributes to the length of your credit history.
• Lenders like to see that you can responsibly manage a variety of credit types, such as credit cards and loans.
• Opening several new credit accounts in a short period can be seen as a risk and may temporarily lower your score.

How to Improve Your 728 Credit Score

Your credit score plays a crucial role in your financial life, and with consistent effort, it is always possible to improve it. Whether you have a good score like 728 or are building from scratch, these proven methods can help boost your creditworthiness.

• Reduce your credit utilization ratio. Since credit utilization makes up 30% of your score, keeping your balances low is key to pushing a 728 score into the "very good" range. Aim to use less than 30% of your available credit, and consider paying your balance multiple times a month to keep the reported utilization down.
• Establish automatic bill payments. Payment history is the single most important factor in your credit score, so even one late payment can damage a good score. Setting up automatic payments guarantees you never miss a due date, protecting and strengthening the most significant part of your credit profile.
• Diversify your credit mix. Lenders like to see that you can responsibly manage different types of debt, which accounts for 10% of your score. If your 728 score is primarily built on revolving credit like credit cards, adding an installment loan can demonstrate your versatility as a borrower and provide a healthy boost.
• Limit hard inquiries. While not the biggest factor, multiple hard inquiries in a short time can suggest risk and slightly lower your score. To protect your 728 score, use prequalification tools when shopping for new credit and try to group any necessary applications within a short window to minimize the impact.

For help managing your cards and maximizing rewards as you build your credit, a financial companion like the Kudos browser extension can be an invaluable tool.