Best Credit Cards That Offer Free Credit Scores

By Jason Steele. Last updated 22 February 2019. 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.

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 15.74% - 25.74%*, 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!

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. Cardmembers can enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. (The balance transfer fee is $5 or 2% of each transfer, whichever is greater. Balance transfers that post to the account after 45 days of account opening: $0.) After the intro period, the APR for balance transfers and purchases is a variable 14.24%. There is no annual fee. See Terms.

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

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Guest's picture

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

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.