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.

American Express

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 for the Amex website. Here are some of the details:

American Express FICO Score

Here are two of my favorite cards from American Express:

Amex Everyday Preferred Card Balance Transfer OfferLearn More

The Amex EveryDay® Credit Card from American Express offers up to 2x rewards. You’ll earn 2x points at U.S. supermarkets (on up to $6,000 per year in purchases (then 1x)) and  1x points on other purchases. As a bonus, you’ll also earn 10,000 points after you use the card to make $1,000 in purchases in your first 3 months. And if you use your card 20 or more times on purchases in a billing period you’ll earn 20% more points on those purchases.  There is no annual fee.

For a limited time – American Express also offers a 0% APR rate for 15 months on purchases and balance transfers with no fee on the balance transfer!  This offer is available to all new customers that make their balance transfer inside of 60 days.

Learn More

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 $200 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 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • 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.

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.

Learn More

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% APR on purchases and balance transfers for 15 months.

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

Learn More

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.


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. Here are my two favorite, both of which offer free access to your FICO score.

Discover it Cashback Match

Discover it®- Cashback Match™–You earn up to 5% cash back on every purchase. Discover doubles your cash back at the end of the first year (effectivley giving you up to 10% cash back). You also get a 0% APR on purchases and balance transfers for 14 months. And there is no annual fee.

I’ve carries this card for years. Back in the day, it was called the Discover More card. In my opinion, it is one of the best all-purpose credit cards available today.

Discover it Miles

Discover it® Miles–This is the travel version of the Discover it lineup. You’ll earn 1.5x miles per dollar on every purchase. Discover will double your miles at the end of the first year. This effectively turns the card into a 3% rewards card the first year. There are no blackout dates on travel rewards. In fact, you just redeem your miles for a statement credit. There is no annual fee.

With both of the above cards, you also get free social security number alerts. Discover monitors thousands of risky websites and alerts you if it detects your social security number being used.

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. It’s 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. Unlike its score for customers, this FICO score is provided through Experian. And it doesn’t come with social security alerts.


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.

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.


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.
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
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33 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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