Money Management

[[{“value”:”Image source: Getty Images
When it comes to building financial security, a solid emergency fund is non-negotiable. But here’s something most people don’t realize: Where you keep that money can make a big difference in how fast it grows.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. People often have thousands of dollars sitting in traditional savings accounts earning next to nothing in interest — the average savings account earns only 0.41%. Meanwhile, there are online banks offering over 4.00% APY right now.This isn’t about chasing returns or timing the market. It’s about being smart with money you already have.The math behind the moveLet’s say you currently have $10,000 in a traditional savings account earning just 0.01% APY. After a year, that money will earn you about a dollar. Now consider that same $10,000 in a high-yield savings account earning 4.00% APY. Over 12 months, you could earn around $408 in interest.Now let’s add contributions. If you contribute $500 a month to the same high-yield account, your interest earnings after a year would total approximately $828. That’s a significant return for a low-risk, set-it-and-forget-it savings strategy.Why high-yield savings accounts outperform traditional banksMost brick-and-mortar banks offer terrible savings rates, often below 0.10% APY. That’s largely because they spend more on physical locations and customer acquisition. Online banks, with lower overhead costs, can pass more value back to customers in the form of higher yields.Many of these accounts also come with:No monthly maintenance feesNo minimum balance requirements24/7 digital account accessFDIC insurance up to $250,000 per depositor, per institutionYou can start earning more than 10 times the national average on your savings today. Click here to start exploring our list of today’s best high-yield savings accounts.How to make the switchIf you’re ready to make your savings work harder, here are a few steps to get started:Review your current savings account rate. Odds are it’s well below current market averages.Compare top high-yield savings accounts. Use reputable comparison tools or check directly with online banks.Open an account. Look for one with no fees, a competitive APY, and strong customer reviews.Transfer existing emergency funds. Don’t forget to update your direct deposit or automatic transfers.Pro tip: Set up recurring monthly transfers from your checking account to build the habit of saving — and maximize the interest you earn over time.Put your money to work todayGrowing your emergency fund doesn’t have to mean cutting expenses or chasing higher-paying gigs. A simple banking decision can quietly add hundreds — or even more than a thousand — dollars to your safety net over the next year.If you haven’t checked your savings account rate lately, it might be time to make your money work a little harder. In the current rate environment, that one small move can pay off in a big way.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

When it comes to building financial security, a solid emergency fund is non-negotiable. But here’s something most people don’t realize: Where you keep that money can make a big difference in how fast it grows.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

People often have thousands of dollars sitting in traditional savings accounts earning next to nothing in interest — the average savings account earns only 0.41%. Meanwhile, there are online banks offering over 4.00% APY right now.

This isn’t about chasing returns or timing the market. It’s about being smart with money you already have.

The math behind the move

Let’s say you currently have $10,000 in a traditional savings account earning just 0.01% APY. After a year, that money will earn you about a dollar. Now consider that same $10,000 in a high-yield savings account earning 4.00% APY. Over 12 months, you could earn around $408 in interest.

Now let’s add contributions. If you contribute $500 a month to the same high-yield account, your interest earnings after a year would total approximately $828. That’s a significant return for a low-risk, set-it-and-forget-it savings strategy.

Why high-yield savings accounts outperform traditional banks

Most brick-and-mortar banks offer terrible savings rates, often below 0.10% APY. That’s largely because they spend more on physical locations and customer acquisition. Online banks, with lower overhead costs, can pass more value back to customers in the form of higher yields.

Many of these accounts also come with:

• No monthly maintenance fees
• No minimum balance requirements
• 24/7 digital account access
• FDIC insurance up to $250,000 per depositor, per institution

How to make the switch

If you’re ready to make your savings work harder, here are a few steps to get started:

1. Review your current savings account rate. Odds are it’s well below current market averages.
2. Compare top high-yield savings accounts. Use reputable comparison tools or check directly with online banks.
3. Open an account. Look for one with no fees, a competitive APY, and strong customer reviews.
4. Transfer existing emergency funds. Don’t forget to update your direct deposit or automatic transfers.

Pro tip: Set up recurring monthly transfers from your checking account to build the habit of saving — and maximize the interest you earn over time.

Put your money to work today

Growing your emergency fund doesn’t have to mean cutting expenses or chasing higher-paying gigs. A simple banking decision can quietly add hundreds — or even more than a thousand — dollars to your safety net over the next year.

If you haven’t checked your savings account rate lately, it might be time to make your money work a little harder. In the current rate environment, that one small move can pay off in a big way.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Unsplash/The Motley Fool
CD rates are hot right now, especially on six to 12-month terms, with top rates hovering between 4.50% and 4.65%.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. With Fed cuts possible soon, now’s the time to act. If you want the best deals, don’t delay. Lock in a CD today, before potential rate drops.Check out the top CD rates we found for April 19.BankAPYTermMinimum DepositOMB4.65%7 Months$1,000United Fidelity Bank4.60%10 Months$1,000T Bank4.60%6 Months$500Brilliant Bank4.55%9 Months$1,000T Bank4.50%12 Months$500Data source: Issuing banks. Rates are accurate as of April 18, 2025.Why we chose these CDsExtremely competitive rates. Some CDs have slightly higher rates, but most come with a catch.Low minimum deposits. Some CDs require a minimum deposit of $5,000 or more, while the CDs above let you deposit as little as $500.Available nationwide. Some high-yield CDs are offered by regional credit unions that not everyone can easily join. The CDs above come from banks that anyone in the U.S. can join without jumping through hoops.Online convenience. All the CDs on our list can be opened and managed quickly and conveniently on the bank issuer’s website, from the comfort of home.While the CDs above offer some of the most competitive rates available today, they’re not the only strong options worth considering. Discover offers a solid alternative, with CDs that are budget friendly, easy to open, and are available in a huge variety of terms. If you value a smooth online experience and the recognition of a trusted digital bank, they’re worth a look. Explore Discover® Bank rates here.Should you open a CD now?With the Federal Reserve’s most recent decision in March to hold rates steady, competitive CD rates look to be around for at least a while longer. Though experts still expect one or two cuts before the end of the year.If any of the following are true for you, it could be a great time to open a CD:You are seeking a secure, guaranteed return on your cash.You’re concerned about possible interest rate reductions later this year and want to lock in a competitive rate now to protect your savings.You won’t need to touch your cash for a while and are confident committing it for the full CD term.The best CDs are covered by FDIC insurance. This safeguards deposits up to $250,000 per individual, per bank, in case a bank fails. Although CD investments carry minimal risk, alternative investments — such as the stock market — could offer higher returns, especially over the long term.How to open a CDWhen you’re ready, you can open a CD in just a few simple steps:Shop around and compares rates to find the best APY for the term you want.Read the fine print and make sure you can meet any minimum deposit requirements.Apply for your new CD on the bank’s website or mobile app, or over the phone. You’ll likely be approved and ready to invest in minutes.Link an existing bank account to transfer funds to a new CD.Remember, each CD allows only one deposit. Plan your amount wisely. When you’re ready, click here to explore the best CD rates and open a high-yield CD today.Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:Pay out your initial deposit plus your earnings as cashReinvest your funds in a new CD with the same term (but potentially a different APY)Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.Earn up to 4.40% APY without locking up your cashIf you want to earn a high APY with more flexibility and less commitment, a high-yield savings account will allow you to deposit and withdraw money whenever you want and transfer money to other accounts quickly and easily. You can leave your money in the account as long as you want, with no time requirement.Unlike CDs, savings accounts have variable rates, meaning they can change any time at the issuer’s discretion. But right now, high-yield savings account rates are nearly on par with the best CD rates, making either one a great choice, depending on your savings goals.If you want to earn a competitive APY without losing access to your cash for a minimum of several months, check out our list of the best high-yield savings accounts.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool recommends Barclays Plc and Discover Financial Services. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

CD rates are hot right now, especially on six to 12-month terms, with top rates hovering between 4.50% and 4.65%.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

With Fed cuts possible soon, now’s the time to act. If you want the best deals, don’t delay. Lock in a CD today, before potential rate drops.

Check out the top CD rates we found for April 19.

Why we chose these CDs

• Extremely competitive rates. Some CDs have slightly higher rates, but most come with a catch.
• Low minimum deposits. Some CDs require a minimum deposit of $5,000 or more, while the CDs above let you deposit as little as $500.
• Available nationwide. Some high-yield CDs are offered by regional credit unions that not everyone can easily join. The CDs above come from banks that anyone in the U.S. can join without jumping through hoops.
• Online convenience. All the CDs on our list can be opened and managed quickly and conveniently on the bank issuer’s website, from the comfort of home.

Should you open a CD now?

With the Federal Reserve’s most recent decision in March to hold rates steady, competitive CD rates look to be around for at least a while longer. Though experts still expect one or two cuts before the end of the year.

If any of the following are true for you, it could be a great time to open a CD:

• You are seeking a secure, guaranteed return on your cash.
• You’re concerned about possible interest rate reductions later this year and want to lock in a competitive rate now to protect your savings.
• You won’t need to touch your cash for a while and are confident committing it for the full CD term.

The best CDs are covered by FDIC insurance. This safeguards deposits up to $250,000 per individual, per bank, in case a bank fails. Although CD investments carry minimal risk, alternative investments — such as the stock market — could offer higher returns, especially over the long term.

How to open a CD

When you’re ready, you can open a CD in just a few simple steps:

1. Shop around and compares rates to find the best APY for the term you want.
2. Read the fine print and make sure you can meet any minimum deposit requirements.
3. Apply for your new CD on the bank’s website or mobile app, or over the phone. You’ll likely be approved and ready to invest in minutes.
4. Link an existing bank account to transfer funds to a new CD.

Remember, each CD allows only one deposit. Plan your amount wisely. When you’re ready, click here to explore the best CD rates and open a high-yield CD today.

Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:

1. Pay out your initial deposit plus your earnings as cash
2. Reinvest your funds in a new CD with the same term (but potentially a different APY)

Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.

Earn up to 4.40% APY without locking up your cash

If you want to earn a high APY with more flexibility and less commitment, a high-yield savings account will allow you to deposit and withdraw money whenever you want and transfer money to other accounts quickly and easily. You can leave your money in the account as long as you want, with no time requirement.

Unlike CDs, savings accounts have variable rates, meaning they can change any time at the issuer’s discretion. But right now, high-yield savings account rates are nearly on par with the best CD rates, making either one a great choice, depending on your savings goals.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool recommends Barclays Plc and Discover Financial Services. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: The Motley Fool/Unsplash
Your money isn’t doing you any good just sitting around. Right now, high-yield savings account rates can reach up to 5.00% APY, more than 10 times the national average. These accounts are an easy way to grow your funds, with very little work required.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We sort through the options daily, finding the top rates for you. Whether saving for later or just in case, a high-yield account can boost your earnings.Check out today’s top rates for high-yield savings accounts.Bank AccountAPYMinimum Account BalanceVaro Savingsup to 5.00%Max APY on up to $5,000, 2.50% APY afterAxos ONE®up to 4.66%$1,500Pibank Savings4.60%$0Peak Bank Envision High Yield Savingsup to 4.54%$100 to open, 2.02% APY on balances of $10,000,000 and abovePresidential Bank Advantage Savingsup to 4.50%$5,000 to open. Must maintain an Advantage Checking Account to be eligible for top APY.Data source: Issuing banks. Rates are accurate as of April 18, 2025.Why we chose these savings accountsThe accounts above stood out to us for several key reasons:High APYs. These are among the most competitive interest rates available, helping your money grow faster.Low barriers to entry. Some accounts have low or no minimum deposit requirements to open or earn interest.Available nationwide. These banks let you open an account from anywhere in the U.S. without needing to join a local credit union.Online convenience. Every account listed can be opened and managed entirely online from your phone or computer.If you’re not earning more than 4.00% APY on your savings, it might be time to switch. Rates have been mostly flat since the end of 2024, but several online banks are leading the pack without requiring huge balances. We like LendingClub LevelUp Savings account because it pays a competitive APY in exchange for a fairly low amount in monthly deposits. Pro tip: Be careful with teaser rates that drop after a few months. Always check the fine print. Read our full LendingClub LevelUp Savings review to learn more.Want to grow your money without locking it up?High-yield savings accounts combine flexibility with competitive interest. If you value easy access to your funds and no long-term commitment, an HYSA may be the perfect fit.Explore more options:Best High-Yield Savings Accounts — See our top picks todayBanks With Savings Buckets — Track your savings goals separatelyShould you open a high-yield savings account?Have extra cash in a low-interest account? It’s time to make your money work harder. Right now, high-yield savings accounts are offering great rates as a result of the Federal Reserve holding rates steady.Think about opening one if you:Want to earn more without locking up your moneyLike having FDIC insurance for peace of mindNeed flexibility instead of a fixed termWant low fees and easy online accessThese accounts let your money grow while staying accessible. They’re perfect for emergency funds, planned expenses, or short-term goals you aim to achieve soon. Don’t miss the chance to boost your savings. Click here to compare the best high-yield savings accounts and open one today.How to open a high-yield savings accountGetting started with a high-yield savings account is easy and usually takes just a few minutes:Compare your options. Look for the best APY, but also consider fees, ease of access, and minimum balance rules.Apply online. Most accounts can be opened from your phone or computer — no paperwork required.Fund your account. Link an existing checking or savings account and transfer the amount you want to deposit.Set up recurring deposits (optional). Some accounts offer higher APYs when you make regular monthly contributions.Track your balance and earnings. Interest usually compounds daily and is paid monthly, helping your savings grow faster over time.Fed up with monthly deposit requirements?Some high-yield savings accounts offer competitive rates with no strings attached — no recurring deposit requirements, no minimum balance to earn the top APY, and no monthly fees. If you’re looking for a hassle-free option, learn more about the Discover® Online Savings account, which offers a competitive APY with no minimum deposit.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Charles Schwab is an advertising partner of Motley Fool Money. Discover Financial Services is an advertising partner of Motley Fool Money. SLM is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Ally is an advertising partner of Motley Fool Money. HSBC Holdings is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. Synchrony Financial is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Axos Financial, Bank of America, Goldman Sachs Group, JPMorgan Chase, PNC Financial Services, and U.S. Bancorp. The Motley Fool recommends Barclays Plc, Charles Schwab, Discover Financial Services, and HSBC Holdings and recommends the following options: short June 2025 $85 calls on Charles Schwab. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Your money isn’t doing you any good just sitting around. Right now, high-yield savings account rates can reach up to 5.00% APY, more than 10 times the national average. These accounts are an easy way to grow your funds, with very little work required.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We sort through the options daily, finding the top rates for you. Whether saving for later or just in case, a high-yield account can boost your earnings.

Check out today’s top rates for high-yield savings accounts.

Why we chose these savings accounts

The accounts above stood out to us for several key reasons:

• High APYs. These are among the most competitive interest rates available, helping your money grow faster.
• Low barriers to entry. Some accounts have low or no minimum deposit requirements to open or earn interest.
• Available nationwide. These banks let you open an account from anywhere in the U.S. without needing to join a local credit union.
• Online convenience. Every account listed can be opened and managed entirely online from your phone or computer.

Want to grow your money without locking it up?

High-yield savings accounts combine flexibility with competitive interest. If you value easy access to your funds and no long-term commitment, an HYSA may be the perfect fit.

Explore more options:

• Best High-Yield Savings Accounts — See our top picks today
• Banks With Savings Buckets — Track your savings goals separately

Should you open a high-yield savings account?

Have extra cash in a low-interest account? It’s time to make your money work harder. Right now, high-yield savings accounts are offering great rates as a result of the Federal Reserve holding rates steady.

Think about opening one if you:

• Want to earn more without locking up your money
• Like having FDIC insurance for peace of mind
• Need flexibility instead of a fixed term
• Want low fees and easy online access

These accounts let your money grow while staying accessible. They’re perfect for emergency funds, planned expenses, or short-term goals you aim to achieve soon. Don’t miss the chance to boost your savings. Click here to compare the best high-yield savings accounts and open one today.

How to open a high-yield savings account

Getting started with a high-yield savings account is easy and usually takes just a few minutes:

1. Compare your options. Look for the best APY, but also consider fees, ease of access, and minimum balance rules.
2. Apply online. Most accounts can be opened from your phone or computer — no paperwork required.
3. Fund your account. Link an existing checking or savings account and transfer the amount you want to deposit.
4. Set up recurring deposits (optional). Some accounts offer higher APYs when you make regular monthly contributions.
5. Track your balance and earnings. Interest usually compounds daily and is paid monthly, helping your savings grow faster over time.

Fed up with monthly deposit requirements?

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Charles Schwab is an advertising partner of Motley Fool Money. Discover Financial Services is an advertising partner of Motley Fool Money. SLM is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Ally is an advertising partner of Motley Fool Money. HSBC Holdings is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. Synchrony Financial is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Axos Financial, Bank of America, Goldman Sachs Group, JPMorgan Chase, PNC Financial Services, and U.S. Bancorp. The Motley Fool recommends Barclays Plc, Charles Schwab, Discover Financial Services, and HSBC Holdings and recommends the following options: short June 2025 $85 calls on Charles Schwab. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
A credit score over 750 gives you more than just bragging rights — it unlocks serious benefits that many people don’t realize. You’ll save money on car insurance, get better loan rates and quicker approvals, and it can even influence where you live or work.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Here’s how FICO® Scores are typically categorized:300-579: Poor580-669: Fair670-739: Good740-799: Very Good800-850: ExcellentFor those of you working to improve your credit score past 750, here are some sweet perks to look forward to once you reach the “very good” to “excellent” zone.1. Access to the best credit cards and perksI love credit card rewards!A high credit score not only helps you get approved for credit cards — it helps you qualify for the best ones.I’m talking about top-tier travel cards with rockstar perks like airport lounge access, free checked bags, annual travel credits, or cards with 2% or higher cash back on everyday spending.The best credit cards can earn you free flights and come with big welcome offers — sometimes worth more than $1,000 in travel. Check out our list of the best credit cards now to start earning rewards and traveling in style.2. You could save $90+ per month on car insuranceHere’s a dirty little secret about the insurance industry: Insurance companies often use a “credit-based insurance score” to help determine your risk level for car insurance. This ultimately helps decide how much they charge you. (Except if you live in California, Hawaii, or Massachusetts)According to research from Motley Fool Money, drivers with excellent credit pay about $1,947 per year for car insurance. Meanwhile, the national average is $3,017 per year for all credit ranges.This means folks with excellent credit scores save on average $1,070 a year, or more than $90 per month, compared to the average American driver.Start saving today: If your credit score is in great shape, check out the best car insurers for good credit.3. Credit scores can impact where you live and workA great credit score can open doors — literally.Many landlords now run credit checks as part of their tenant screening process. If you’re applying for a competitive apartment in a hot rental market, a credit score over 750 might put your application ahead of the pack.And for all you job hunters — many employers check credit reports during the hiring process (not your score, but your actual report and history). This is especially important for roles involving handling money or sensitive data. A strong credit history can silently vouch for your trustworthiness and reliability.How to get your credit score above 750Raising your score isn’t about hacking the system — and scores don’t change overnight.Building credit is about forming smart habits, like:Pay every bill on time, every timeKeep your credit utilization low (aim for under 30%)Avoid opening too many new accounts at onceIf you have old credit cards, keep them open to lengthen your credit historyOver time, these simple moves can add up to a score that opens doors — and saves you money.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

A credit score over 750 gives you more than just bragging rights — it unlocks serious benefits that many people don’t realize. You’ll save money on car insurance, get better loan rates and quicker approvals, and it can even influence where you live or work.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Here’s how FICO® Scores are typically categorized:

• 300-579: Poor
• 580-669: Fair
• 670-739: Good
• 740-799: Very Good
• 800-850: Excellent

For those of you working to improve your credit score past 750, here are some sweet perks to look forward to once you reach the “very good” to “excellent” zone.

1. Access to the best credit cards and perks

I love credit card rewards!

A high credit score not only helps you get approved for credit cards — it helps you qualify for the best ones.

I’m talking about top-tier travel cards with rockstar perks like airport lounge access, free checked bags, annual travel credits, or cards with 2% or higher cash back on everyday spending.

The best credit cards can earn you free flights and come with big welcome offers — sometimes worth more than $1,000 in travel. Check out our list of the best credit cards now to start earning rewards and traveling in style.

2. You could save $90+ per month on car insurance

Here’s a dirty little secret about the insurance industry: Insurance companies often use a “credit-based insurance score” to help determine your risk level for car insurance. This ultimately helps decide how much they charge you. (Except if you live in California, Hawaii, or Massachusetts)

According to research from Motley Fool Money, drivers with excellent credit pay about $1,947 per year for car insurance. Meanwhile, the national average is $3,017 per year for all credit ranges.

This means folks with excellent credit scores save on average $1,070 a year, or more than $90 per month, compared to the average American driver.

Start saving today: If your credit score is in great shape, check out the best car insurers for good credit.

3. Credit scores can impact where you live and work

A great credit score can open doors — literally.

Many landlords now run credit checks as part of their tenant screening process. If you’re applying for a competitive apartment in a hot rental market, a credit score over 750 might put your application ahead of the pack.

And for all you job hunters — many employers check credit reports during the hiring process (not your score, but your actual report and history). This is especially important for roles involving handling money or sensitive data. A strong credit history can silently vouch for your trustworthiness and reliability.

How to get your credit score above 750

Raising your score isn’t about hacking the system — and scores don’t change overnight.

Building credit is about forming smart habits, like:

• Pay every bill on time, every time
• Keep your credit utilization low (aim for under 30%)
• Avoid opening too many new accounts at once
• If you have old credit cards, keep them open to lengthen your credit history

Over time, these simple moves can add up to a score that opens doors — and saves you money.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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