Which Credit Score Do Mortgage Lenders Actually Use?
Understanding Mortgage Credit Scores: What You Need to Know
Earn 120,000 Membership Rewards® Points after you spend $15,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
1.5X Membership Rewards® points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
5X Membership Rewards® points on flights and prepaid hotels when you book at AmexTravel.com.
Earn a $100 statement credit after you spend $1,000 on purchases in the first 3 months of account opening
3X ThankYou® Points for every $1 spent at gas stations.
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
5% cash back on Lyft rides through March 31, 2025
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
5% Cashback Bonus at Target
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Take advantage of cardmember perks such as a room upgrade and daily breakfast at over 1,000 properties when you book with The Luxury Hotel & Resort Collection.
A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when
you need them. For assistance, call 1-800-847-2869. Refer to your Guide to benefits for more information.
Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-847-2869. Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.
With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen.
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.
If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.
Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ rewards points do not expire as long as the account is open.
You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card.
Full United Club membership
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and 20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $1,000,000.
If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need — anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.
If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
Your new purchases will be covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Covers your new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
Earn 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 total points now through March 31, 2025.
Earn 10x total points on Lyft rides. Plus, get a complimentary 2 year Lyft Pink All Access membership including member-exclusive pricing and bene?ts – activate by Dec 31, 2024. Membership auto renews annually.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Extends the time period of U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ rewards points do not expire as long as the account is open.
Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
Enjoy access to can't-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more. Explore entertainment.
Enjoy access to can't-miss events across music, sports and dining with exclusive pre-sales, tickets, suite experiences and more. Explore entertainment.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
Get up to $300 with the Return Protection benefit on eligible items purchased entirely with your Cash 365™ American Express® Card. If a cardmember attempts to return an eligible item within ninety (90) days from the date of purchase and the merchant will not accept it in accordance with its return policies, you may be eligible for a refund.
10% off select credit card purchases at shopDisney.com.
If you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also get medical and legal referrals, prescription assistance, travel planning and other services.
Save time and be more productive with early access to overheads bins.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
Receive World of Hyatt Discoverist status for as long as your account is open.
Double the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of three (3) years or less – up to a maximum of ten thousand dollars ($10,000) per claim. The eligible item must have been purchased with your eligible credit card. Certain terms, conditions, and exclusions may apply.
Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft.
Earn 10% cash back on purchases with Uber and Uber Eats. Plus, complimentary Uber One membership statement credits every month through November 14, 2024.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Make your next meal even more memorable with access to cardholder-only reservations at award-winning restaurants and tickets to curated culinary events. Explore dining benefits.
Receive complimentary membership with your Venture X Business card
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Enjoy unlimited free visits for Venture X Business cardholders.
Unlock premium benefits with every stay, like a $50 experience credit, room upgrades when available and more when booking through Capital One Travel.
Capital One Shopping is an online shopping tool that automatically applies available coupon codes to your order. Learn more about Capital One Shopping.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
Relax and recharge away from the airport crowds with luxurious amenities and fresh, local food and beverage options.
If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Enjoy comprehensive, personalized assistance in dining, entertainment and travel'24 hours a day, 365 days a year.
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
Enjoy access to can't-miss events while earning 8% cash back on Capital One Entertainment purchases with your SavorOne Card.
Enjoy a $100 experience credit, daily breakfast for 2 and other premium benefits, plus earn 10X miles on hotel stays booked through Capital One Travel.
Unlock premium benefits with every stay, like a $50 experience credit, room upgrades when available and more. Plus, earn 10X miles on hotel stays booked through Capital One Travel.
Access extraordinary travel experiences, destination guides and more with a complimentary PRIOR Subscription (a $149 value).
Unlock the world of art. Get access to over 60 of the world’s best museums with a 6-month complimentary Enthusiast membership to The Cultivist (a $220 value).
Cardholders enjoy access to exclusive reservations at award-winning restaurants and tickets to unforgettable culinary experiences.
Cardholders can experience events across, music, sports and dining with exclusive access to pre-sales, tickets and more.
Escape the airport crowd by visiting our all-inclusive Lounges—enjoy unlimited complimentary access for you and 2 guests per visit.
Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
With your Spark card, you’re covered for any damage or theft that may happen when you rent an eligible car.
Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to purchase pre-sale tickets for music, sports, culinary experiences and more — from virtually anywhere.
Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.
Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you’re away from home.
Travel benefits your business needs including $1,000,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.
Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.
Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
You'll automatically receive up to $125 in statement credits as reimbursement for United purchases charged to your United Quest Card each account anniversary year.
Get rewarded to and from the airport. Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year.
Get rewarded to and from the airport. Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Get complimentary Visa Signature Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Earn a Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways credit card. Valid for two years when you redeem Avios for a flight on British Airways for a companion traveling on the same flight, or use it for a 50% discount on the Avios price you pay when booking a solo reward flight.*Opens offer details overlay For more details, visit ba.com/TravelTogetherTicketOpens Overlay.
Understanding Mortgage Credit Scores: What You Need to Know
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Let's say your scores are:
They'll use 725 (the middle score, not the highest or lowest)
MyFICO
Experian
Extra Credit
Remember: Regular credit scores you see elsewhere often aren't the same as what mortgage lenders use. These older FICO models are specifically for mortgages.
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