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.

Related: Already know your credit score? Check out the best rewards cards for Excellent, Good, Fair, Poor, or No credit.

Credit Card IssuerBest For
American ExpressPeriodically checking your FICO score on the American Express website
Capital OneImproving or building your credit score using Credit Wise tools
Credit One Bank® Visa®Anyone looking to have access to their credit score on a regular basis, who might be either rebuilding their credit, or building it from the ground up. It's the perfect choice for anyone who has fair or even no credit, and wants an unsecured credit card.
BarclaycardAccessing your FICO score on Barclays website, monitoring your score via email alerts and tracking movement in your score
Commerce BankReceiving your FICO score on your monthly credit card statement plus a list of factors that affect it and tips for improving your score
First BankcardChecking your FICO score online and learning the main factors that affect it
USAA BankDaily credit monitoring through Experian plus updates and alerts for your VantageScore 3
US BankChecking your Experian score online
WalmartReceiving your FICO score via monthly electronic credit card statements

American Express gives you free access to your FICO score based on the FICO 8 formula. I’ve carried an Amex card for decades and recently pulled my FICO score from the Amex website. Here are some of the details:American Express

American Express FICO Score

Here is one of my favorite cards from American Express:

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The Blue Cash Preferred® Card from American Express is another top-rated credit card. The list of benefits is rather long, so here goes–

  • Get a $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • Earn 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • Earn 6% cash back on select US streaming services (like Netflix, Hulu and others).
  • Earn 3% cash back at U.S. gas stations, 1% back on other purchases.
  • Earn 3% cash back on ground transportation.
  • Get a 0% APR for 12 months on purchases and balance transfers.

There is a $95 annual fee.

You can check out other American Express cards here.

American Express is best for: Periodically checking your FICO score on the American Express website.

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.

Capital One Credit Wise Score

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.

Capital One offers several great card options. Here’s three of the best, in my opinion (I carry the first one).

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The Capital One® Venture® Rewards Credit Card pays out 2 miles for every dollar in purchases. Use these miles for travel, and the card is a 2% rewards card. I’ve found it very easy to redeem miles for travel purchases charged to the card. And there are no blackout dates or other restrictions.

In addition, you can earn a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening. This bonus is equal to $500 in travel. There are no foreign transaction fees, and the annual fee of $95 is waived the first year.

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The Capital One® Quicksilver® Cash Rewards Credit Card is an excellent cash back rewards option. You earn 1.5% cash back on every purchase, every day. You can also receive a $150 cash bonus after you spend $500 on purchases within 3 months from account opening. There’s also a 0% intro APR on purchases and balance transfers for 15 months.

The card has no annual fee and charges no foreign transaction fees.

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Finally, the Capital One® Platinum Credit Card is ideal for those trying to build their credit. While there are no rewards with this card, it’s easier to qualify if you have limited credit. And it gives you access to your credit score and tools to help you improve that score.

Capital One is best for: Improving or building your credit score using Credit Wise tools.

Credit One Bank® Visa® with Free Credit Score Tracking

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Credit One Bank® Visa® with Free Credit Score Tracking gives you the ability to view your Experian credit score and credit report summary online, and at no additional cost to you. What’s more, the card is available for those with poor credit. That’s mostly people who are either looking to rebuild their current credit, or building from the ground up.

Apart from access to your Experian credit score, the card also comes with the following list of benefits:

  • Earn 1% cash back rewards on eligible purchases
  • Automatically earn more cash back rewards using the card at participating merchants
  • Zero fraud liability for unauthorized charges
  • Regular account reviews for credit line increases
  • You can make purchases securely using Apple Pay

The annual fee ranges from $0 to $99, based on your credit worthiness. The first year fee will be immediately charged against your credit limit. For example, if you receive the minimum credit line of $300, the $99 annual fee will be charged immediately, lowering your remaining credit limit to $201.

In subsequent years, it will range from $0 to $99, once again depending on your credit worthiness. If you qualify, the annual fee for subsequent years will be prorated and billed on a monthly basis. That will leave your credit limit largely intact.

Since the card is designed for those with fair or no credit, you’ll start out with a low credit limit. But as you make your payments on time, you’ll be eligible for periodic reviews to increase that limit.

Lower rates and fees will apply if you are covered under the Military Lending Act.

Credit One Bank® Visa® with Free Credit Score Tracking is best for: Anyone looking to have access to their credit score on a regular basis, who might be either rebuilding their credit, or building it from the ground up. It’s the perfect choice for anyone who has fair or even no credit, and wants an unsecured credit card.

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.

Barclays is best for: Accessing your FICO score on Barclays website, monitoring your score via email alerts and tracking movement in your score.

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.

Commerce Bank is best for: Receiving your FICO score on your monthly credit card statement plus a list of factors that affect it and tips for improving your 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.

First Bankcard is best for: Checking your FICO score online and learning the main factors that affect it.

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.

USAA Bank is best for: Daily credit monitoring through Experian plus updates and alerts for your VantageScore 3.

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.”

US Bank is best for: Checking your Experian score online.

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).

Walmart Credit Card is best for: Receiving your FICO score via monthly electronic credit card statements.

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.
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.

Bottom Line

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

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

  1. Robert Wilson Jr.

    Some credit cards with free credit scores: free TU FICO Score 8 (classic) : Walmart CC, Barclays CC, Discover CC, Bank of America CC, Synchrony Bank CC, BP Credit Card, Amazon Store Card, Sam’s Club Card. Free EX FICO Score (classic): American Express CC, Chase Slate CC (Chase Bank), Fingerhut CC. Free EQ FICO Score 8 (bankcard): Citibank CC. Free EX FICO Score 98 (bankcard)(FICO 2): Wells Fargo CC. Free TU FICO Score 9 (type: ?): Commerce Bank CC. Free TU VantageScore 3.0 : Capital One CC, U.S. Bank CC, Chase Bank CC (except Chase Slate CC). Free EX VantageScore 3.0: USAA Bank CC. Free EX FICO Score 8 (bankcard): First National Bank of Omaha CC, Ally Bank CC. Free TU FICO Score 04 (bankcard): First Premier Bank CC. Ranges of Credit Scores: All FICO Classic and alll VantageScore 3.0 are between 300-850. All FICO bankcard scores are between 250-900.

    • Raymond Weiss

      The American Express credit cards, Chase Slate CC, and Fingerhut card offer EX FICO 8 classic score. Commerce Bank CC: TU FICO 9 bankcard score. Ally Bank CC: no credit score.

      • Bank of America offers monthly TransUnion Fico 8. Chase offers weekly VantageScore 3.0. NerdWallet also offers weekly VantageScore 3.0 (free). Marcus personal loan offers weekly Vantagescore 3.0.

  2. ThomasFromTN

    A Summary of free FICO scores offered with non co-branded cards I am PERSONALLY aware of:

    Experian – American Express (FICO 8) Chase (FICO 8…Slate card only) Wells Fargo (FICO 2)
    Equifax – Citibank
    Trans Union – Bank of America, Barclaycard, Discover, U.S. Bank

  3. 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.

    • I’m sorry but you are incorrect. The Discover link is actually a FICO Score 8 not a VantageScore. I just pulled mine and it is about 50 pts lower than the VantageScore.

  4. 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…

  5. 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.

  6. 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.

  7. 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.

  8. 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.

  9. 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.

  10. 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.

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