CREDIT SCORE

Is 680 a Good Credit Score?

Last Updated: May 2026

300–850FICO Score Range

714Avg. U.S. Score

670+Good Credit Threshold

📋 Reviewed by WiseIQ Editorial Team · Updated April 2026 · Editorially independent

WiseIQ Editorial Team

Reviewed by certified financial experts · Updated March 2026

About our team →

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.

WiseIQ Expert Tip

Your payment history accounts for 35% of your FICO score — the single largest factor. Setting up autopay for at least the minimum payment eliminates the risk of a missed payment tanking your score.

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.

💡 Expert Insight

Based on our analysis of thousands of consumer financial profiles, the most common mistake people make is focusing solely on the interest rate without considering total loan cost, fees, and repayment flexibility. Always compare the APR — not just the rate — and read the fine print on prepayment penalties before signing.

WiseIQ Editorial Team

Reviewed by Certified Financial Planners & Industry Experts

Our editorial team consists of financial writers, CFPs, and former banking professionals dedicated to providing accurate, unbiased financial guidance. All content is fact-checked and updated regularly. Learn about our editorial standards →

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.

← 660 Score 700 Score →

📚 Books to Take Your Credit Score Further

Recommended books to go deeper on this topic

I Will Teach You To Be Rich

by Ramit Sethi

A 6-week program to automate your finances, optimize your credit, and start building real wealth.

View on Amazon →

High Credit Score Secrets

by Various Authors

Proven methods to push your credit score into the excellent range — covers all 3 bureau algorithms.

View on Amazon →

As an Amazon Associate, WiseIQ earns from qualifying purchases. This does not affect our editorial recommendations.

Sources & Methodology

WiseIQ's editorial team researches and fact-checks all content using primary sources. Our recommendations are based on independent analysis and are not influenced by advertiser relationships.

Consumer Financial Protection Bureau (CFPB) — regulatory data and consumer guidance
Federal Reserve — Consumer Credit Report (G.19) — interest rate benchmarks
AnnualCreditReport.com — official free credit report access
myFICO Credit Education — credit score methodology
Lender and issuer websites — rates, terms, and eligibility verified directly from source

Last reviewed: April 2026 | How we rank products

Is 680 a Good Credit Score?

Frequently Asked Questions

Related Tools

📚 Books to Take Your Credit Score Further

I Will Teach You To Be Rich

High Credit Score Secrets

Sources & Methodology

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