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LIST of credit cards and which score they provide

Valued Contributor

LIST of credit cards and which score they provide

I could not find a list and since a lot of people have asked, i decided to post.  Moderator, please adjust/move or merge if already posted.

For everyone else, please add your cards and what scores they provide.  For my cards, see below.

 

FICO8

 

Transunion:

Barclay Arrival +

Discover it

BOFA Cash Rewards

JcPenney Card (synchrony bank)

Amazon (synchrony bank)

PayPal (synchrony bank)

TjMaxx Card (synchrony bank)

Lowe's Card (synchrony bank)

 

Experian:

AMEX

Chase Slate

1st National Omaha

 

Equifax:

Citi Costco

AT&T Universal (Citi)

 

 

 

FICO9

 

Equifax:

PenFed

 

Experian:

Wells Fargo

Message 1 of 32
31 REPLIES
Valued Contributor

Re: LIST of credit cards and which score they provide

Nice!

 

Fingerhut supposedly offers EQ FICO8 monthly.

Message 2 of 32
Valued Contributor

Re: LIST of credit cards and which score they provide


ABCD2199 wrote:

Nice!

 

Fingerhut supposedly offers EQ FICO8 monthly.


i will add it to my list as soon as someone confirms.

 

Thanks ABCD2199!!

Message 3 of 32
Valued Contributor

Re: LIST of credit cards and which score they provide


c00mtg wrote:

I could not find a list and since a lot of people have asked, i decided to post.  Moderator, please adjust/move or merge if already posted.

For everyone else, please add your cards and what scores they provide.  For my cards, see below.

 

Classic FICO 8

 

Transunion:

Arrival +

Discover it

BOFA Cash Rewards

JC Penney Card (synchrony bank)

Amazon (synchrony bank)

PayPal (synchrony bank)

TjMaxx Card (synchrony bank)

Lowe's Card (synchrony bank)

Barclay Card

 

Experian:

AMEX

Chase Slate

 

Bankcard FICO 8

 

Equifax:

Citi Costco

AT&T Universal (Citi)

 

Experian:

1st National oh Omaha

 

 

Classic FICO 9

 

Equifax:

PenFed

 

Experian:

Wells Fargo


Added Wells Fargo to the list, added bankcard/classic designator. My AT&T Universal managed by Citi reports the bankcard version. I suspect the same may be true for the Costco card but, can't confirm. Added Chase Slate and Barclay to the list.

Fico 8: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 9: .......EQ 850 TU 850 EX 850 (3/2017)
Fico 4 .....:. EQ 804 TU 823 EX 830 (3/2017) EX Fico 98: 839 (3/2017)
VS 3.0:...... EQ 832 TU 832 EX 832 (3/2017)
Fico 8 BC:. EQ 887 TU 899 EX 900 (3/2017)
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950 (4/2017)
Message 4 of 32
Frequent Contributor

Re: LIST of credit cards and which score they provide

NFCU is showing me a FICO 9 based on Equifax.





Starting FICOs: 629 EX, 654 EQ, 629TU (6/1/17)
Current FICOs: 628 EX, 682 EQ, 663 TU (12/1/17)
1st Goal FICOs: 720 EX, 720 EQ, 720 TU (12/1/18)
Message 5 of 32
Senior Contributor

Re: LIST of credit cards and which score they provide

OP, can you double check your two Citi accounts to verify the scoring model used?  I don't believe that they are FICO 08.  From my Citi DC account...

 

"Your FICO® Score is calculated based on data from your Equifax credit report using the FICO® Bankcard Score 8 model..."

Message 6 of 32
Community Leader
Senior Contributor

Re: LIST of credit cards and which score they provide

I am pretty sure that any Citi card that provides a FICO score uses FICO 8 Bankcard Enhanced.  My Citi Double, Citi Dividend, and Citi ThankYou all give a score.  Basically, if a card is a Citi branded card (it has the Citi logo on it) it should give the score.  Or at least that's what this piece says:

 

http://www.magnifymoney.com/blog/building-credit/citi-free-fico-scores-live-something-different36779...

Message 7 of 32
Community Leader
Senior Contributor

Re: LIST of credit cards and which score they provide

Our OP may want to look through some of the articles listed in the search below.  A number of people around the web have worked up similar summaries.  By integrating them together he should be able to get an accurate and comprehensive list fairly quickly.

 

https://www.google.com/search?q=what+credit+cards+give+free+fico+score&source=lnt&tbs=qdr:y&sa=X&ved...

 

I restricted this google search to articles that were updated in the last year.

Message 8 of 32
Community Leader
Senior Contributor

Re: LIST of credit cards and which score they provide

Again, kudos to the OP for wanting to step up and do this for the broader myFICO community.  As the OP continues to develop the list, here are some suggestions:

 

(1)  Combine specific cases into more general ones when possible.  For example, the first post reads:

Barclay Arrival +

BOFA Cash Rewards

 

That might lead somebody to believe that only the Arrival and the Cash Rewards give free FICO scores (at Barclay and BOA).  Better might be to say Barclay and BOA and Citi and Synchrony (with a caveat if a few specific products at the issuer don't offer it).  The Chase Slate is a good example of that.

 

(2)  Alphabetize CC issuers so that somebody can locate his issuer without reading through a big list.

 

Message 9 of 32
Established Member

Re: LIST of credit cards and which score they provide

Does this mean that Capitol One will not help my FICO 8 score? Since it's not on the list?

Message 10 of 32