Good Credit

Is 680 a Good Credit Score?

A 680 credit score is Good. You're above the national average threshold and qualify for most credit products with competitive rates. You're in the top half of American borrowers.

Last Updated: March 2026 WiseIQ Editorial Team

680

Good Credit

FICO Score Range: 300–850

300850

Browse Credit Scores

580 600 620 640 660 680 700 720 740 760 780 800 850

Score Tier

Good Credit

Grade

Better Than

54% of Americans

What You Qualify For with a 680 Credit Score

Credit Cards

Most rewards cards available including cash back and travel cards. Some premium cards still require 700+.

Personal Loans

All major lenders with competitive rates. 8%–15% APR typical at 680.

Auto Loans

Excellent rates. 5%–9% APR typical. You're in the prime borrower tier.

Mortgage

Competitive mortgage rates. Significantly better than sub-670 borrowers.

HELOC

Good access with competitive rates. Most lenders offer standard terms at 680.

Savings Account

Any bank — credit scores don't affect savings account eligibility.

Best Financial Products for 680 Credit Score

Credit Cards for 680 →Personal Loans for 680 →Savings Accounts for 680 →HELOC for 680 →

What's Holding Your Score Back

One or two late payments from 2–3 years ago
Moderate utilization (20%–35%)
A collection account that's 4–6 years old and still on your report
Credit age under 5 years
Limited credit mix (no installment loans)

How to Improve a 680 Credit Score

Target 720 — the Very Good threshold

720 is where the best rates become available across all products. It's your next major milestone.

Add a credit mix

If you only have credit cards, a small personal loan or credit-builder loan adds an installment account to your mix (10% of your score).

Keep utilization below 10%

At 680, you're likely around 20%–30% utilization. Getting to under 10% can add 15–25 points.

Let time work for you

Negative items lose impact as they age. A 3-year-old late payment hurts much less than a 1-year-old one.

Don't open new accounts unnecessarily

Each new account temporarily lowers your average age of credit.

Timeline: From 680, reaching 720 typically takes 6–12 months. Reaching 750+ takes 12–24 months.

Frequently Asked Questions

Is 680 a good credit score?

Yes. 680 is in the Good credit range (670–739) and above the threshold where most lenders offer competitive rates. You qualify for most credit products including rewards credit cards, prime auto loans, and conventional mortgages at reasonable rates. Your next goal should be 720 (Very Good credit).

What credit cards can I get with a 680 credit score?

With a 680 score, you qualify for most cash back and travel rewards cards including Chase Freedom Unlimited, Citi Double Cash, Capital One Quicksilver, and Discover it. Premium cards like Chase Sapphire Preferred and Amex Gold typically prefer 700+, though approval isn't guaranteed by score alone.

Is 680 good enough for a mortgage?

Yes. 680 qualifies for conventional mortgages with competitive rates. You'll get better rates than sub-670 borrowers but not as good as 720+ borrowers. On a $400,000 mortgage, improving from 680 to 720 could save $10,000–$20,000 over 30 years.

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