The best credit cards with free credit score access are the American Express Blue Cash Preferred card, the U.S. Bank Cash+ card, and the Capital One Quicksilver card. Amex Blue Cash Preferred gives scores updated once a week, while the U.S. Bank Cash+ and Capital One Quicksilver cards give scores updated once a month. Each has a signup bonus of $200 or more, along with above-average ongoing rewards. For example, Blue Cash Preferred gives 6% back at grocery stores.
The 10 largest credit card companies all give cardholders free access to a credit score from one of the 3 major credit bureaus. Capital One and Discover offer free credit scores to everybody, including non-customers. Some smaller credit card companies like Navy Federal Credit Union and First Bankcard provide free credit score access too, but it’s not as common.
Best Credit Cards with Free Credit Scores:
American Express credit cards, including Blue Cash Preferred, give cardholders access to a TransUnion-based VantageScore 3.0 credit score and a TransUnion credit report upon login. Both are updated once a week. Amex’s MyCredit Guide also provides alerts to customers about potential identity fraud. Blue Cash Preferred is currently offering a sizeable initial bonus of $300 for spending $3,000 in the first 6 months, which more than pays for the $95 annual fee (waived the first year). And for now, this card’s cash back rate on groceries and streaming services is the highest on the market: 6% back on up to $6,000 spent at grocery stores annually, and unlimited 6% back on eligible streaming services.
U.S. Bank provides its cardholders with a TransUnion-based VantageScore 3.0 credit score, which updates once a month. They also give access to TransUnion’s CreditView Dashboard, which includes a score simulator. This allows customers to see what is likely to happen to their score if they take a certain action, like paying off a loan. The U.S. Bank Cash+ Visa Signature card has an easy-to-get signup bonus of $200 for spending $500 in 90 days. You can also pick 2 categories for 5% cash back on up to $2,000 total spent per quarter, plus an unlimited 2% category. And there’s $0 annual fee.
Capital One cardholders (and the general public) get access to CreditWise, which shows users their TransUnion-based VantageScore 3.0 credit score, which updates once a week. A credit simulator, score overview, TransUnion credit report, and alerts for credit report changes are all part of CreditWise, too. Right now, Capital One Quicksilver is offering an initial bonus similar to the U.S. Bank Cash+ card’s: $200 for spending $500 in the first 3 months. And it gives a consistent 1.5% cash back on all purchases, with $0 annual fee. If you’re more into travel, Capital One’s Venture and VentureOne cards are good options. Both give access to Capital One’s free credit scores, too.
All of these cards require good credit or better for approval. So you’ll probably need to check your credit score before applying. Don’t worry, though; there are plenty of places to get free credit scores besides your credit card company. If you find out that you have less-than-good credit, consider the Capital One QuicksilverOne (best for fair credit), the Capital One Platinum (best for limited credit), and Discover it Secured (best for bad credit) credit cards, all of which give free credit scores.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.