Credit Cards that offer Free Fico Score

yam1rts · ‎11-07-2024

For those who don't know, your credit cards could offer you free FICO credit scores.

Some traditional banks and credit unions may also offer a free Vantage Score but as you may already heard, lenders don't use that score model to wheig in the final decision. So, I suggest not to focus on those scores.

Here are the most common credit card issuers that offer your FICO in the app or in each statement.

American Express = Experian FICO Score 8

Discover = TransUnion FICO Score 8

Citi = Equifax FICO Bankcards Score 8

In addition, the following credit monitoring tools provide free FICO as well.

myFICO App/Web = Equifax FICO Score 8

Experian App/Web = Experian FICO Score 8

Starting Score: 789
Current Score: 814
Goal Score: 850

Take the myFICO Fitness Challenge

Patient957 · ‎11-07-2024

Ally Bank provides free Fico 9 bankcard with monthly updates.

CYBERSAM · ‎11-07-2024

This site: MyFico.com offers Free Equifax Fico score

Experian.com offers Free Fico Score

Discover offers Free TU Fico score.

That's all you need. 👍

FicoMike0 · ‎11-07-2024

Huntington bank - tu fico8

Commerce bank - tu fico bank card 9

Dcu - some eq fico, anyone sure which?

PenFed - fico 9, doesn't say which bureau

Wells cargo - ex fico9

MarkintheHV · ‎11-10-2024

AmEx's credit monitoring gives free Equifax fico.

In My Wallet: MS AmEx Platinum | NFCU Flagship Visa 80k | MS AmEx BCP 70k
Sock Drawer: AmEx Plat Biz 70k POT | Atmos Visa 41.5K | AmEx Delta Reserve Biz 27k

BudC2 · ‎11-10-2024

B of A - TU FICO 8

IcyCool7227 · ‎12-28-2024

To add: Mercury Rewards Visa by First Bank & Trust offers TU Fico 8 as well.

As of: 8/15/25:
EQ: 783 (prev. 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 766 (prev. 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 773 (prev. 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.

Realist · ‎12-29-2024

Many cards these days seem to offer this service. Obtain enough cards and you won't have to activate every one of these features, you will simply have enough sources available to you to see the pattern.

I also like credit karma for some added incite. My only dislike is how often they pull data - which seems to be every login, which isn't necessarily bad, but you will see it as visible on your Chexsystem report as well as your credit report. It's not a plus or negative, only a remark. I remember applying for a loan one time, to see that CK showed up about 20-40 times on the printed report. The account standing was great, but most people may not know this. That's how you learn I guess. CK works overtime to pull and update scores.

$XXX,XXX in credit lines.
Multiple months in free credit reward vacations.
$X,XXX in bank rewards in only 12 months.
I like FREE...

800+ FICO.

Making all numbers dance on a financial ledger.
Abuse that score responsibility.

Take nothing I say as financial advice. DYODD.