Most people are familiar with the impact that a FICO® score has on their lives, and the importance of having a good FICO score. Why is a FICO score so important? Because it affects your life in big ways that include loans, insurance, jobs, and other major parts of your life. I'm going to show you which cards are our best rated credit cards that offer free FICO scores to cardholders.

In the past it was virtually impossible to get your FICO Score without paying for it. But that changed when some credit card issuers began to offer complimentary FICO Score access to cardholders. One of the first major credit card companies to offer this benefit was Barclays, which added FICO Score access as an opt-in perk on some of its credit cards in November, 2013. That same month, Discover Financial Services became the first card issuer to provide a FICO Score on monthly credit card statements.

Barclays has partnered with FICO enabling cardmembers that opt-in to view their FICO score 24/7 on a complimentary basis from their online Barclays account. Discover now lets you track your recent FICO® Credit Scores on monthly statements & online for free in an easy-to-read chart.

Here are our best rated credit cards that let cardmembers view their FICO scores for free along with offering other great benefits and perks.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Bank of America<sup>®</sup> Cash Rewards credit card

Bank of America® Cash Rewards credit card

APPLY NOWAt Bank of America's secure website
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • No annual fee
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
  • No expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • If you're a Preferred Rewards client, you can get a 25% - 75% rewards bonus on every purchase
APPLY NOWAt Bank of America's secure website

0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days

16.24% - 26.24% Variable APR

$0

Why we like it
  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening.
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings.
We least like
  • 3% foreign transaction fee.
Excellent/Good


Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Barclaycard Ring<sup>®</sup> Mastercard<sup>®</sup>

Barclaycard Ring® Mastercard®

APPLY NOWAt Barclays' secure website
  • A low, variable APR on purchases, balance transfers and cash advances.
  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
  • Low 14.24% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
  • See Rates & Fees
APPLY NOWAt Barclays' secure website

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

14.24% Variable

$0

Why we like it
  • A low, variable APR on purchases, balance transfers and cash advances.
Good/Excellent

If you aren't able to get one of these credit cards, you can also access your FICO® score using myFICO Score Watch which costs $14.95 a month (first month $4.95). This service gives you access to your score as well as solid tools to help you manage your credit.

APPLY NOWAt myFICO's secure website