Do Credit Cards Let You Check FICO Scores for Free?

Here’s a deep dive into credit cards that will let you check for free.

Your FICO score is a snapshot of your financial history. Creditors and financial institutions use your credit score to determine credit limits, loan rates and interest fees. To stay on top of your credit, you should check your FICO score often. You can order a copy of your credit report and score online for a small fee. However, some credit card companies allow their customers to check their FICO score free every month.

Pennsylvania State Employees Credit Union Credit Cards:
According to the Wall Street Journal, customers of the Pennsylvania State Employees Credit Union can check their credit score free once a month. Pennsylvania State employees and family members can join the credit union. Other benefits of the credit union’s Visa card include limits up to $20,000, free auto rental insurance coverage, free replacement cards, Visa payroll transfer, no fees for balance transfers and no annual fee, according to the Pennsylvania State Employees Credit Union. As of 2010, the credit union offered a 9.9% interest rate for their Visa credit card.

Sears Solutions MasterCard:
The Sears Solutions MasterCard offered by HSBC provides their customers with a free monthly FICO score. HSBC also offers reward benefits for Sears Solutions card customers. Customers will automatically receive points for purchases they make, which they can use to earn gift cards. Other benefits of this card include online account management, online bill pay and paperless billing. In addition, customers receive special discounts and lower pricing on purchases at Sears.

Capital One Secured MasterCard:
Capital One developed their Secured MasterCard to help customers build their credit portfolio or rebuild a damaged credit rating. As part of this credit rebuilding platform, Capital One reports the customer’s account history to the three major credit bureaus each month and offers every customer free enrollment in CreditInform. CreditInform allows customers to keep track of their credit rating and provides additional tools to help educate consumers on credit cards and credit scores.

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