Best Credit Cards That Offer Free Credit Scores

By Jason Steele. Last updated 12 June 2018. 2 comments

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Do you know what your credit score is? Your credit score is the entirety of your credit history condensed into a single number that lenders (and sometimes potential employers, landlords, and others) will use to approve or deny you and determine your interest rate. And if you've been struggling to build or rebuild your credit, it can help tremendously to learn your credit score each month.

Thankfully, there are credit cards that will offer customers their credit score each month at no additional charge. This started after the Consumer Financial Protection Bureau encouraged card issuers to do so. Some card issuers began offering credit scores last year, while others have just gotten around to it. Below are the best cards that currently offer free credit scores, and more are expected to join.

Discover it® Miles

One of the benefits the Discover it® Miles card offers is access to your free Credit Scorecard with your FICO® Credit Score. You also earn 1.5x miles for each dollar you spend, with no caps or limitations. And, for new cardmembers, Discover will match the miles earned at the end of the first year. There is a 0% introductory APR for 14 months on purchases, and 10.99% on balance transfers for 14 months. After the intro period, the APR is variable at 13.49% - 24.49%. There is no annual fee or foreign transaction fee. See rates and fees.

Click here to learn more and apply for the Discover it® Miles card today!

Citi® Double Cash Card - 18 month BT offer

Citi offers a free FICO score to their cardholders that is based on your credit history as recorded by Equifax. The Citi Double Cash Card - 18 month BT offer from our partner Citi is one of their most popular cards and is one that rewards you for paying off your purchases with additional cash back. Cardholders earn 2% unlimited cash back on every purchase: 1% when you make the purchase, then earn an additional 1% back when those purchases are paid. There are no caps and no category restrictions. New cardholders get 0% intro APR on balance transfers for 18 months. After that the variable APR will be 14.99%-24.99%*, depending on your creditworthiness. There is no annual fee.

Click here to learn more and apply for the Citi® Double Cash Card - 18 month BT offer today!

Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

Another popular card is the Capital One® Quicksilver® Card - 0% Intro APR for 15 Months, which offers unlimited 1.5% cash back on every purchase. It includes a 0% intro APR on purchases for 15 months, and a variable APR of 14.49%-24.49% after that. Balance transfers also have a 0% intro APR for 15 months (which will also have a variable APR of 14.49%-24.49% apply thereafter), and a 3% fee will be applied to each balance transferred within the first 15 months. New cardholders can earn a one time $150 cash bonus after spending $500 on purchases within 3 months from account opening. There is no annual fee.

Click here to learn more and apply for the Capital One® Quicksilver® Card - 0% Intro APR for 15 Months today!

Barclaycard Ring™ Mastercard®

The Barclaycard Ring™ Mastercard® is a unique card that offers benefits through crowdsourcing. Cardholders propose ideas and vote for the things they want for the card. In addition to offering a  free FICO score every month, it also features a Giveback™ program where members may receive a percentage of the company's profits. The variable APR for purchases and balance transfers is 10.49%. There is no balance transfer fee or annual fee. See Terms.

Click here to learn more and apply for the Barclaycard Ring™ Mastercard® today!

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Guest's picture
Guest

The blue cash everyday card from American Express has been offering this service for quite a while. I can view my credit score (I think it's the Experian score) anytime!

Guest's picture
Dollar

I'm not clear what 8.25% "variable" means but I will look it up again.
I wish money bloggers wouldn't say "FICO" score. FICO scores come from Fair Isaac Corporation, not Experian or Transunion or Equifax. CRAs are not synonymous with FICO.