Which cards other that Discover offer free credit scores? June 2019 | finder.com
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Which cards other than Discover offer free credit scores?

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We round up issuers that allow a no-charge peek at these all-important digits.

Access to your credit score can help you monitor your overall financial health, which is especially important when you’re considering a large purchase, applying for a credit card or taking out a loan.

You might know that Discover offers free access to your FICO Score. But it’s not the only provider to entice cardholders with this perk.

What is the Discover Credit Scorecard?

The Discover Credit Scorecard breaks down elements of your credit history in an easy-to-scan dashboard. Along with your FICO Score, you’ll see your total accounts open, the length of your credit history, your credit utilization and any missed payments or inquiries.

The best part? You don’t need to be a Discover cardholder to qualify. And it’s free.

Reviewing your Discover Credit Scorecard won’t affect your credit, and your score is updated monthly. You’ll also get insight and suggestions to improve your credit based on your personal scorecard.

See your free Discover FICO Score

To access your Discover Credit Scorecard for free:

1. Go to Discover’s site. Under All Products, click Credit Scorecard.
2. Hit Click to Continue.
3. Enter your full name, email address, date of birth, home address and Social Security number. Click Continue.
4. Review Discover’s terms and conditions. If you consent to its terms, click I Agree.

You should immediately see your Discover Credit Scorecard. For future access, log in to your online Discover account.

Why would Discover let me check my credit for free?

In 2014, the Consumer Financial Protection Bureau (CFPB) requested credit card companies to begin allowing free access to consumer credit scores. To comply, providers like Discover created means for customers to see their scores, along with other helpful financial data previously available from the credit reporting bureaus only.

By allowing just about anybody to see their credit information, Discover can easily market its products and services that include credit cards and personal loans.

What other credit cards offer free access to my credit score?

If you don’t own a Discover card, you’re not left in the cold: Many other providers offer access to some version of your credit score.

Credit card issuerFICO or VantageScoreWho’s it available to?
American ExpressFICOCardholders
Bank of AmericaFICOCardholders
Capital OneVantageScore 3.0Everybody
ChaseFICOSlate cardholders
US BankVantageScore 3.0Cardholders
USAA BankVantageScore 3.0Members and cardholders
Wells FargoFICOCardholders

Discover Scorecard vs. CreditWise from Capital One

Capital One is another major issuer offering free access to anybody who’s interested in their credit history, albeit using a slightly different credit score than Discover.

CreditWise from Capital One is supported by TransUnion, a credit bureau that reports your VantageScore 3.0. This credit scoring model requires only a month of credit history to calculate your score, rather than the six months or more required for FICO.

Like Discover’s Credit Scorecard, CreditWise from Capital One presents important factors of your creditworthiness through a dashboard.

Why should I check my credit score?

Your credit score is an important part of your overall creditworthiness. It’s what lenders use to determine your eligibility for loans and personal credit, including mortgages. You can also use your credit score to stay on top of potential ID fraud.

The more you know about your credit score, the better. It can empower you to enter into big financial decisions with confidence.

Get your score or rebuild your credit

Details Features
Get quarterly access to your most widely used FICO® Scores and a 3-bureau credit report
  • Get quarterly access to your most widely used FICO® Scores
  • Credit report change alerts
  • FICO® Score analysis
Go to site More info
Experian Credit Report
Experian Credit Report
Get your credit report and FICO score for just $1 with enrollment in Experian CreditWorks credit monitoring. Cancel anytime.
  • 3 credit reports
  • Track your FICO® score
  • Easy to use dashboard
Go to site More info
TransUnionCredit Report
TransUnionCredit Report
TransUnion credit score, monitoring and identity theft insurance.
  • Unlimited updates to your TransUnion credit score
  • Up to $1,000,000 in identity theft insurance
  • Personalized debt analysis
Go to site More info
Equifax Business Credit Monitor
Equifax Business Credit Monitor
Monitor your key business relationships to protect your company from losses.
  • Bankruptcy Alert
  • Derogatory Alerts
  • New Inquiry Alert
Go to site More info
$1 for a seven-day trial to get access to your credit score and credit report from TransUnion.
  • Credit reports from all 3 bureaus
  • Email alerts when your credit report changes
  • Up to $1,000,000 in identity theft insurance
Go to site More info
Details Features
Self Lender — Credit Builder Account
Self Lender — Credit Builder Account
Savings account that helps you build credit.
  • No hard credit inquiry
  • Available in all 50 states
  • It typically takes 60 days for new accounts to appear on credit reports
Go to site More info
The Credit People
The Credit People
Professionals work with you to clean up your credit and raise your credit scores. Cancel anytime.
  • 7-day trial for $19
  • Get access to your credit reports
  • Most customers see results within 2 months
Go to site More info
Online credit repair service.
  • Credit report repair
  • 24/7 credit monitoring and alerts
  • Score tracker and analysis
Go to site More info
CuraDebt: Tax Debt Relief Free Consultation
CuraDebt: Tax Debt Relief Free Consultation
Debt relief professionals helping individuals and small businesses nationwide.
  • Free consultation and 100% confidential
  • 15+ years experience
  • Debt relief help for credit cards, medical bills and taxes
Go to site
The Credit Pros: Legal Credit Repair
The Credit Pros: Legal Credit Repair
Online credit repair service that gives free consultations.
  • Unlimited disputes to help clean up your credit
  • Monitor your credit with real-time alerts
  • Protects your identity on the dark web
  • Updated credit report and score each month
Go to site More info
Lexington Law Credit Repair
Lexington Law Credit Repair
Law firm that specializes in credit repair.
  • Remove incorrect listings from your credit file
  • Get free access to your credit report
  • Personalized credit repair services
Go to site More info
Professional credit repair service that can help you create a step by step action plan. Cancel anytime.
  • Free credit consultation
  • Over 15 years of credit repair experience
  • Get help optimizing your credit file
Go to site

Bottom line

Access to your credit score shouldn’t require signing up for a service. Credit card companies like Discover and Capital One offer free access to credit scores for everyone, even if you’re not a customer.

If you swipe or dip with another credit card provider, chances are they too offer access to your score.

Keep track of your financial history on the go with free apps, and check in monthly to stay on top of changes to your score.

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