Who Has a 804 Credit Score?

While an 804 credit score is well above average for any age demographic, data on average credit scores by generation reveals a clear trend of scores improving over time. According to Experian data from 2023, here is the breakdown:

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

Credit Cards With a 804 Credit Score

An 804 credit score places you firmly in the excellent credit range, which is the highest tier for lenders. This exceptional score signals to card issuers that you are a very low-risk borrower, significantly increasing your chances of approval for premium credit cards. Consequently, you can expect to qualify for cards with the best rewards programs, lowest interest rates, and most generous sign-up bonuses available.

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Kudos offers a personalized credit card discovery engine that uses a quiz to match your preferences against its database of nearly 3,000 cards. For even more tailored suggestions, its Dream Wallet feature analyzes your actual spending habits to provide hyper-personalized recommendations and insights into how a new card might impact your credit.

Auto Loans and a 804 Credit Score

An 804 credit score is considered super-prime, placing you in the most creditworthy category of borrowers. This excellent score significantly increases your approval odds and qualifies you for the lowest available interest rates on an auto loan.

Based on a 2025 market report, here are the average rates for each credit score bracket:

• 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 804 Credit Score

An 804 credit score places you in the top tier of borrowers, qualifying you for all major mortgage products. Whether you're seeking a conventional, jumbo, FHA, VA, or USDA loan, your application will be viewed favorably. Lenders consider a score of 760 or higher to be excellent, meaning you have access to a full spectrum of home financing options.

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This high score significantly impacts your loan terms. You'll be eligible for the lowest interest rates on the market, which can save you tens of thousands over the loan's lifetime. According to mortgage credit score requirements, top-tier borrowers also benefit from lower private mortgage insurance (PMI) premiums, more flexible underwriting, and greater negotiating power with lenders.

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 elements. The most common factors include:

• Your history of making payments on time is the most significant factor.
• How much of your available credit you're currently using, known as your credit utilization ratio, plays a major role.
• The age of your credit accounts, including the average age and the age of your oldest account, is also considered.
• Lenders like to see that you can responsibly manage different types of credit, 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 804 Credit Score

Even with an excellent 804 credit score, there is always room to improve your financial standing. Consistent, positive financial behaviors can help you maintain and even boost your score, ensuring you have access to the best loan terms and credit card approvals.

• Monitor your credit reports. Regularly reviewing your credit reports helps ensure that no errors or fraudulent activity can unexpectedly damage your excellent score. This allows you to detect and dispute inaccuracies early, protecting your hard-earned creditworthiness.
• Keep credit utilization low. Maintaining a low credit utilization ratio—the amount of credit you use compared to your total available credit—is critical for protecting a top-tier score. Keeping this figure well below 30% signals to lenders that you are a responsible borrower.
• Diversify your credit mix. Lenders like to see that you can responsibly handle various types of credit, such as revolving credit and installment loans. A healthy mix demonstrates financial maturity and can help sustain a high score over time.
• Limit hard inquiries. Each time you apply for new credit, a hard inquiry can cause a small, temporary dip in your score. Spacing out your applications prevents these minor drops from accumulating and affecting your 804 rating.

For personalized help managing your cards and monitoring your score, you can use a financial tool like Kudos to maximize your financial health.