Michael Battle, WalletHub Credit Card Analyst
@mikebattle
The best credit card with free credit score access is the Capital One Venture Rewards Credit Card because you can get daily credit score updates and great rewards. New cardholders get 75,000 miles for spending $4,000 on purchases within 3 months from account opening, as well as ongoing rewards of 2 - 5 miles per $1 spent. Capital One Venture has a $95 annual fee and requires good credit or better for approval.
The 10 largest credit card companies all give cardholders free credit score access. Capital One, for example, offers free credit scores to everybody, including non-customers. Some smaller credit card companies, like Navy Federal Credit Union and First National Bank of Omaha, provide free credit score access too, but it’s not as common.
Best Credit Cards with Free Credit Scores
- Rates & Fees Best Overall: Capital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Capital One Venture Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Best Overall: Capital One Venture Rewards Credit CardLearn MoreLearn More
- Rates & Fees Flat Rewards Rate: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Flat Rewards Rate: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Flat Rewards Rate: Wells Fargo Active Cash® CardLearn MoreLearn More
- Rates & Fees Dining & Entertainment: Capital One Savor Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Dining & Entertainment: Capital One Savor Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Dining & Entertainment: Capital One Savor Cash Rewards Credit CardLearn MoreLearn More
- Rates & Fees Lounge Access: Capital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Lounge Access: Capital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Lounge Access: Capital One Venture X Rewards Credit CardLearn MoreLearn More
- Rates & Fees Travel & Dining: Citi Strata Premier® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Travel & Dining: Citi Strata Premier® CardLearn MoreLearn Moreon issuer's website
- Travel & Dining: Citi Strata Premier® CardLearn MoreLearn More
- Rates & Fees Business: Capital One Spark Cash PlusLearn MoreLearn Moreon issuer's website
- Rates & Fees Business: Capital One Spark Cash PlusLearn MoreLearn Moreon issuer's website
- Business: Capital One Spark Cash PlusLearn MoreLearn More
- Best Overall:
- Flat Rewards Rate:
- Dining & Entertainment:
- Lounge Access:
- Travel & Dining:
- Business:
Free Credit Scores & Reports by Credit Card Company
| Issuer | Type of Score | Type of Report | Update Frequency |
| Chase | VantageScore 3.0 | Experian | Weekly |
| American Express | VantageScore 3.0 | TransUnion | Weekly |
| Citi | FICO Score | Equifax | Monthly |
| Bank of America | FICO Score | TransUnion | Monthly |
| Capital One | VantageScore 3.0 | TransUnion | Daily |
| U.S. Bank | VantageScore 3.0 | TransUnion | Weekly |
| Wells Fargo | FICO Score | Experian | Monthly |
| NFCU | FICO Score | Equifax | Monthly |
You can also get your free credit score, updated daily, right here on WalletHub.
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