Credit cards that offer free credit scores

Fred O. Williams
Senior Reporter
Expert on consumer credit laws and regulations.

Cards with free credit scores expand

There’s no longer any reason for credit card holders to be in the dark about their credit scores.

Years ago, credit scores were kept secret, available only to lenders. Now scores are free for the asking on multiple websites  – if you don't mind handing over your sensitive identifying information and granting access to your credit report.

But most credit card users already have access to free credit scores – from a bank that already has the keys to their financial secrets.

Here is a roundup of major credit card issuers that provide free credit scores to cardholders. Both FICO and VantageScore are three-digit scores that measure your ability to handle credit.

See related: Understanding how credit scores work

Credit cards that offer free credit scores

Bank

Credit score program

American Express

MyCredit Guide provides cardholders with VantageScore credit scores updated weekly, credit report monitoring from TransUnion, and a credit score simulator. The service is open to non-cardholders, who may receive prequalified offers.


Bank of America

Offers free FICO scores to consumer cardholders online, with 12-month history starting from month they enroll, plus key factors influencing score and comparisons to national averages. Scores are based on credit data from TransUnion. Information is available online or on the mobile banking app.

Barclaycard US

Provides free FICO scores to cardholders via the web, plus email alerts when the score changes, noting the top two factors that are influencing an individual’s score.

Capital One

Provides scores based on TransUnion credit data and the VantageScore  via their product CreditWise. The service updates credit profiles once a week and tracks users' Social Security number to detect fraud. Cardholders can access their scores via the website or mobile app. Non-cardholders can also register to use CreditWise.

Chase Bank
Provides free VantageScore credit scores to consumers, whether they are Chase customers or not, through its Credit Journey website. Scores, based on TransUnion credit reports, are updated weekly. The online tool provides a simulator showing how financial moves would affect the score, plus a historical look at how the individual’s score has changed over time. Slate cardholders can also access their FICO credit scores.
Citibank
Free FICO scores provided monthly to holders of Citi-branded cards. Scores are the same ones that the bank uses for credit decisions.
Commerce Bank

Provides free FICO credit scores to consumer credit card holders on monthly statements. Also lists two key factors that are affecting the cardholder’s score. Jointly held cards are not eligible.

Discover

Provides free FICO scores on monthly statements and online to holders of consumer cards. The information includes key factors influencing an individual’s score, and up to a year of previous scores. Noncardholders may register with Discover’s Credit Scorecard online service to access their FICO scores, based on credit data from Experian.

First Bankcard

The unit of First National Bank of Omaha provides FICO scores to cardholders. Scores updated monthly, plus related information, are available online.

Huntington Bank
Huntington Voice credit card holders have access to a free Equifax FICO score.
PenFed

Provides free FICO scores online to members with revolving line of credit -- such as a credit card -- active checking accounts or installment loans.

SunTrust
SunTrust’s program lets credit card holders view their FICO score wfrom the bank’s online and mobile banking platforms. The score is updated monthly, lists 12 months of history and gives two factors affecting individuals’ scores.
TD Bank
TD CreditView – an online dashboard – provides current information on individual’s credit history, and includes a free VantageScore.
USAA

Provides free VantageScores to members, and information that outlines the factors impacting their credit.

US Bank
Provides TransUnion credit score monthly, credit report alerts, and online simulator to analyze financial choices. Available to credit card holders and online banking customers.
Wells Fargo
 Offers free FICO scores, with factors affecting individuals’ scores, to credit card users via mobile app for smartphones and tablets. Mortgage holders, student loan borrowers and other consumer loan clients also have access to this information.
Source: CreditCards.com research, updated August 2018

Why credit scores are important

Your credit score is distilled from your credit report. The higher the number, the better your chances of getting new credit when you apply, and low interest rates.

In addition to helping people understand their financial posture, knowing your score can help fight fraud. That's because changes in your score can signal when new accounts are opened in your name, or when new applications for credit are filed.

See related: What is a “good” credit score?7 building blocks of good credit

How free credit scores developed

Under FICO’s Open Access program, announced in November 2013, banks that purchase FICO scores to keep tabs on customers’ credit profiles can share the scores with customers – plus related information about their credit – at no charge.

In April 2014, the credit bureau Experian announced a similar program letting banks share the VantageScore credit score with consumers, plus related information on factors that influence an individual’s score.


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Updated: 08-17-2018