12 Credit Cards That Offer Credit Scores for Free

In the recent podcast on How to Track All 3 of Your Credit Scores, I mentioned that I would have a follow up article that tracked all the cards that offer free credit scores – whether it’s an official FICO score or not – and the credit bureau the data are drawn from.

Here is the promised article, and I’m including the list of credit cards offering credit scores and additional information about each offer.

Discover

Discover provides free FICO scores from your TransUnion credit report. It’s available on your monthly statement and online. You get the score and the two main factors that affect it.

Here’s what my score report from Discover looks like:

Discover Card FICO Score

Discover offers some of the best cash back and 0% cards available today. One of the most popular options is the Discover it®- Cashback Match™ . As the name suggests, new cardholders receive 2x cash back the first year.

Recently, Discover made its credit scorecard available to non-customers, as well. As when you pull your own credit report, this one doesn’t impact your credit score at all. I’ts not as comprehensive as the FICO score for customers, as it doesn’t provide historical scores. But it does provide information on factors that are helping or harming your credit score, so it’s great if you’re trying to raise your score. Unlike its score for customers, this FICO score is provided through Experian.

So if you’re a Discover customer, you can actually get scores from two of three major credit reporting bureaus from Discover. They may even be different, based on the information in your credit reports.

Citi

Citi rolled out free FICO scores in 2015. The scores are based on credit data provided by Equifax, which is the same score that Citi uses to make credit determinations. Citi also provides a useful explanation as to why the FICO score you see through Citi might be different than other scores you see:

The FICO® Score Citi provides is based on information from your Equifax credit report based on the “as of” date included with your score.  This may differ from scores you obtain elsewhere that may have been calculated at a different time using information from a different credit bureau or even a different score model.  If you have additional questions regarding the FICO® Score model and how it’s calculated, please refer to the FICO® Score FAQ and Understanding FICO® Scores links under the “Useful Links” section to the right.

Citi also provides a useful chart to interpret your credit score data:

Citi® Benefit Builder

Two of my favorite Citi Cards are the Citi Simplicity® Card – No Late Fees Ever (0% APR on balance transfers and purchases for 21 months) and the Citi® Double Cash Card (1% cash back when you buy + 1% cash back when you pay–it’s my everyday card).

Chase

Chase is newer to the “free credit scores” bandwagon, and it only offers the service for some cards, including Chase Slate card. As with other offers, this one includes access to information about why your score is what it is, and advice on how to raise your score and manage your overall creditworthiness.

Chase provides customers access to the FICO Score 8 based on their Experian credit reports.

Bank of America

All Bank of America credit card customers have access to their free FICO scores. As with many other reporting services, this one gives you access to your recent scores and lets you compare them to the national averages. You can also see key factors that are influencing your score.

The score from Bank of America is provided through TransUnion. You can also get text or email notifications when you set them up. Get a monthly notification when your credit score is updated, so you’re always on top of your score.

Barclaycard

Barclaycard provides FICO scores to its cardholder customers on its website. The score is based on your TransUnion file.

It also provides email alerts, letting you know when your score changes. The alerts list the two main factors that have caused the score change. The service also provides a historical chart that tracks the movements in your score, once you have a three month history in the program. There is no charge for this service, and no attempts at up-selling you into other programs.

The email alerts, historical tracking, and the fact that Barclaycard provides you with your actual FICO score are major advantages with this program. Many other free credit score sources, whether they are provided by credit card issuers or other sources, give you a parallel score rather than the actual FICO that is used by most banks for lending and mortgage purposes.

Commerce Bank

Commerce Bank customers can now access their FICO scores on their monthly credit card statements. The score is automatically reported on each statement, and includes a list of score factors and options for improving your score. Plus, you can see how your current score might impact interest rates and other credit terms.

American Express

American Express gives you free access to your FICO score based on the FICO 8 formula. Here’s an example of the information provided:

American Express FICO Score

American Express’s free FICO score started as a pilot program, and is not available to all customers.

Capital One

Capital One provides a non-FICO score, called CreditWise. The score is calculated based on the TransUnion VantageScore 3.0 model. Customers can, of course, access their scores through this system. But now, so can non-Capital One customers.

CreditWise is available online and through a mobile phone app. You can sign up for the app even if you aren’t a customer, and the score will remain free.

The service offers the following features:

  • Credit Simulator – This tool estimates how future credit behavior could impact your Credit Tracker score. For example, you can determine how a 30-day late payment on a mortgage might affect your score – or going 12 months without one. It can also help you find the best way to improve your credit score by estimating the impact of positive behaviors like making payments on time or paying off credit card debt. Unlike some other credit simulators, this tool will actually let you account for multiple behaviors at once, including taking out a mortgage, paying down debt, letting an account go delinquent, or even paying child support.
  • Credit Alerts – You can receive alerts for factors that affect your score, including a new inquiry, recently opened account, delinquent account, improved account, or bankrupt account. The alerts go out when your Trans Union credit report changes.
  • Grade Overview – This feature enables you to see the major factors that are affecting your credit score.

First Bankcard

First Bankcard through First National Bank offers FICO scores to its cardholders and you can view it online.  They use the FICO 8 Bankcard Score, which is the score the bank purchases monthly to keep track of customers’ creditworthiness. Like other credit card credit score providers on this list, First Bankcard also provides you with the main factors that determine you score.

USAA Bank

As of late 2015, USAA started offering members, not just credit card holders, access to their free credit score. The CreditCheck & ID Monitor solution from USAA comes in several different levels.

The basic level, CreditCheck 1, offers daily credit monitoring through Experian, updates and alerts about changes in your credit score, and access to your credit score and historical scores. The credit score provided at this level is the Experian VantageScore 3.

At the paid levels (either $7.95 per month or $12.95 per month, depending on the level), customers can access additional benefits like twice monthly credit score checks, reports from the other credit reporting bureaus, and identity protection alerts.

US Bank

US Bank provides its cardholders with their credit score as provided by Experian directly from the Experian website. Its service is called CreditManager Plus. The scores are available for free to US Bank cardholders, and you simply need to log into your US Bank account and click on a link on the right side of your statement that says, “Know your credit score? Check it free.”

Walmart Credit Card

Walmart Credit Card offers a monthly FICO score for cardholders who enroll in electronic statements. Walmart Credit Cards also provide the top two reason codes affecting the score. The service is also available at no cost, and will not impact your credit score (pulling your own credit is considered to be a “soft inquiry” in the industry, and will have no affect on your scores).

Credit Cards That Offer Free Credit Scores

Credit CardScore TypeDetails
BarclaycardFICO1. Email Alerts.
2. Two main credit score factors
3. Historical Tracking Charts
Capital OneCredit Tracker (based on Transunion New Account Model)1. Online and Mobile App
2. Credit Simulator Tool (measure future behavior)
3. Credit Alerts, including specific reasons for the alert.
4. Grade Overview, telling you the top reasons for your score.
CitiFICOAvailable online and based on data provided by Equifax.
DiscoverTransUnion FICO Available on monthly statement and online. Score, plus top two factors.
First BankcardFICO 8 Bankcard ScoreAvailable online. Reports top two factors in determining your scores.
US BankExperian, presumably FICOService is provided direct by Experian, which is one of the three major credit repositories.
Walmart Credit CardFICOAvailable with online enrollment. Provides top two reason codes for your scores.

Bonus: Ally Bank

Ally Bank offers free FICO scores to its auto loan customers.

These are the 12 major credit card issuers (plus an auto lender!) currently offering free credit scores to their customers. I wouldn’t be surprised if more credit card companies jump on board, as this is now becoming a “standard issue” benefit in the credit card world.

At any rate, many of these companies offer great credit cards that are worth having, anyway. So if you need to keep better track of your FICO score, consider doing it for free using a card from one of these companies.

Know of another credit card company or lender offering access to free credit cards? Let us know in the comments.

Topics: Credit Cards

16 Responses to “12 Credit Cards That Offer Credit Scores for Free”

  1. This is really great information. I read somewhere that over 90% of creditors use FICO. So good credit is good credit, and those other scores like Credit Karma, etc. will give you a great ideal of where you stand. But if it is not FICO then it is really of limited value. It also said that the only way to get your FICO was to pay for it at their myfico website. This article clearly shows that advice was not true.

  2. Just an FYI – I noticed that my USAA credit card now gives me my credit score. So if you have served in the military you could get your score that way. Thanks for the great work you do.

  3. Keith L.

    My wife & I’s AmEx Blue Cash card offers a FICO score. Here are the specifics…

    American Express offers FICO® Score access at its own discretion. FICO® Score access is not a permanent feature of your account and may be removed at any time.

    The FICO® Score provided is the FICO® Score 8 based on data from Experian and may be different from other credit scores. Your FICO® Score falls into a range from 300 to 850, and is offered solely for your own non-commercial, personal review, and benefit. Your FICO® Score is not an endorsement or a determination of your qualification for a loan or credit.

    FICO® and Experian are third-party providers and are not affiliated with American Express. American Express does not guarantee the accuracy of any credit information that is provided to you by these third parties. etc. etc.

  4. Just checked my credit card’s site for the free credit score per the above and found accurate information. Thank you, sir. Will subscribe to your newsletter. Hope knowledge acquired will be as useful and this article was.

  5. Louis Louis

    I have access to Free FICO score in my AMEX card and my CC I currently carry with 2 credit unions. Pentagon Federal Credit Union and Digital Federal Credit Union.
    Invariably, my credit unions offer lowest auto loans financing and those are my first choices when purchasing vehicles.

  6. Is bank do no offer experian and it’s not fico.i have 4 accounts with them they never did offer free fico had a card with them since 2010.they have transunion credit tracker that offers vintage3 score but it never works also Wells Fargo offers free credit score with personal cards.

  7. Your post gets it wrong in the third paragraph – “Discover provides free FICO scores from your TransUnion credit report.” Discover gets its FICO scores from Experian – I have one of those free Discover accounts, and just above my FICO score it states “Your FICO® Score based on Experian data”.

    Gotta call you out for errors here. Everything else you posted could be wrong too, no credibility if you can’t get Line Number 1 correct…

  8. Checked out the free FICO score for non-customers at the Discover link listed in the article. It is actually a VantageScore, not FICO. I know this because I track all 3 VantageScores monthly and they are 70 – 80 points higher than the FICO scores I pay for.

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