Free FICO Scores for Barclaycard Cardholders

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You can get your TransUnion FICO credit score for free, if you’re a Barclaycard Cardholder!

Free FICO Scores For Barclays Cardholders

I Still Have a High Credit Score Despite Having Lots of Credit Cards!

What Is a Credit Score?

Your credit score is usually a 3 digit number the banks use to predict whether you’ll be paying back loans.  Fair Issac Corporation (FICO) issues scores from 300 to 850.

In the US there are 3 main credit bureaus:

  • Equifax
  • TransUnion
  • Experian
Free FICO Scores For Barclays Cardholders

Your Barclaycard Card Gives You Access to Your FICO Score for Free

What’s a Good Number?

The higher your score, the better…up to certain point.

A score of 675 is better than a score of 575.  And a score of 760 gets you access to lower interest rates than a score of 675.

A score of 760 can get you the same low rates as those with a score above 760.  So you don’t need a score higher than 760, except to brag.  So when applying for credit cards, it’s OK if your credit score temporarily goes down a few points.  And usually being approved for new cards increases your score in the long run!

How Is Your Credit Score Calculated?

According to the FICO website, your credit score is determined by:

  • 35% Payment History
  • 30% Amounts Owed
  • 15% Length of Credit History
  • 10% New Credit
  • 10% Types of Credit

Your Payment History (paying your debts on time) is the most important part of your credit score.  So it’s a good idea to pay your bills on time.

Amounts Owed is the next most important part of your score.  It’s okay to have some debt.  But if most of your available credit is being used (known as a high credit utilization), it could mean you have more debt than you should and that you might not pay back your loans.

So it is very important NOT to max out your credit cards so you can have a low utilization rate.  For example, if my credit limit is $10,000 I try to keep my charges under $1,000 to have a utilization rate of 10% or lower.

Your length of credit history is partially determined by the average age of your accounts.  So consider getting no-annual fee cards that you’ll hold for many years

Free FICO Score

If you have one of the following Barclaycard credit cards, you can get your TransUnion FICO score for free:

The Barclaycard Arrival Plus™ World Elite MasterCard® is a cash back travel card with no foreign transaction fees.  You earn “miles” but they aren’t transferrable to airline miles.  But you can redeem them for statement credits at 0.5 cents per mile (poor value) or 1.1 cents per mile if you redeem for travel.

You earn 2 miles for every $1 you spend so you’re getting 2% cash back for each purchase.  And you get an extra 10% of your miles back when you redeem for travel.  So you’re earning ~2.2 cents per $1 spent on travel expenses or about 2.2% back when redeemed for travel.

You can get 40,000 miles which is worth $440 in travel or a $200 statement credit.  Here’s my review of the Barclaycard Arrival Plus™ World Elite MasterCard®.

How to Get Your Free TransUnion FICO Score

Step 1 – Log in to Your Barclaycard Account

Log in to your Barclaycard Account.

Or you can access your score directly via this link.

Free FICO Scores For Barclays Cardholders

Step 1 – Log in to Your Barclaycard Account

Step 2 – Click on “Tools and Education”

Click “Tools and education.”

Free FICO Scores For Barclays Cardholders

Step 2 – Click “Tools and Education”

Step 3 – Click on “Free FICO Score”

Click on the “Free FICO Score” button.

Free FICO Scores For Barclays Cardholders

Step 3 – Click on “Your FICO Score”

Step 4 –  Check the Box and Click “Accept”

Read the terms and conditions, check the box, and click “Accept” to agree.

Free FICO Scores For Barclays Cardholders

Step 4 – Check the Box and Click “Accept”

And your free FICO score will appear.  Mine was 796, which did make me grin!

Bottom Line

You can get your free FICO score from TransUnion if you have certain Barclaycards including the Barclaycard Ring™ Mastercard®.

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Editorial Disclaimer: Neither the responses below nor the editorial content on this page are provided or commissioned by the bank advertisers, and have not been reviewed, approved or otherwise endorsed by the bank advertisers. Opinions expressed here are the author’s alone, not those of the bank advertisers. It is not the bank advertisers’ responsibility to ensure all posts and/or questions are answered.

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18 responses to “Free FICO Scores for Barclaycard Cardholders

  1. Would you happen to know how often the FICO score via Barclays is updated?

  2. Discover also gives its cardholders a monthly FICO score.

  3. FYI: US Bank cards give you FREE Experian Score as well (Club Carlson Visa for example).

  4. I hold a Barclay’s card and their most recent score (early March) varies greatly, it’s a lot higher, than Credit Sesame or Credit Karma; why the difference? Is Barclay’s score a “real” score or faux? Looking at: Karma–771 (3-24-14); Sesame–775 (3-1-14); and Barclay’s–817 (3-6-14). Any insights? Thanks!.

  5. I think they update the score every 2 months unless your score changes. I got mine in December and then February, but I got an alert 3 weeks later because my score had gone up.

  6. Since playing this credit card shuffle game my score has gone up around 40 points. It showed as 800 on here. Is this normal?

  7. I pulled my FICO through my Barclay Arrival account a few times, but lately they seem to hide that feature pretty good on their site. Can’t find it anymore and I’m wondering if I maxed out a certain number of credit score checks or if they stopped offering this service to card holders.

  8. I was able to access the score even though I only have an LLBean cc with Barclays right now – score was a lot lower than Credit Sesame…….Is this because there are 3 different credit reporting companies with different criteria and sources of financial info…….?

  9. Doubt there’s any point in trusting what these #%$!&@% credit card companies are saying are our “actual” FICO scores…

    Just by happenstance (starting a re-fi and my Disc. card bill came within one month of each other):

    3 Mar 2014: (bank report ) – Experian: 719; Equifax: 709; TransUnion: 740
    3 Feb 2014: (Discover card) – FICO 762

    Do they LOOK like they have much to do with each other?! {frown}

  10. Alex- What is the process to get your free experian score when you have the US Bank Club Carlson Visa? I logged into my account but didn’t see anything about it, and I didn’t have luck Googling it either.

  11. Keep in mind that there are multiple scoring models of each credit bureau’s FICO scores. What Barclay (and the free ones from Discover and Walmart) are based off is the 2008 (TU08) Transunion FICO model which is more lenient than TU04(what most lenders use) and TU98(myFICO). Ignore any score from credit karma and credit sesame as they are FAKOS and are not used by lenders.

  12. Amounts Owed followup question – If I have a limit of $10k, and I need to spend $10k, can I just pay off $8k the day after it all shows up? I will still have spent the limit, but my statement will cost with only $2k remaining. These are just example numbers. It’s how I’ve been approaching Vanilla purchases, because I’ll pay them off just a day or two later.

  13. AG, that approach is fine logistically. MSing a lot more than your CL in a month might raise some red flags.

  14. Thank you for this post! I had no idea my US Airways card offered this feature!

  15. Ace – to answer you, because I had a chat with their customer service.

    It is either:
    – Upon change of your credit score (sounds like this is a routine/regular monitoring)
    – Or every 10 weeks

    I’ve seen people post online that their score may have changed up to multiple times in a single week, and they get an update from Barclays every time. I’ve experienced this as well as a 9 or 10 week wait before mine was updated. I am still waiting for them to provide a chart of my credit score over time on their website though, which they say can take 3 months after beginning it.

  16. I have the Barclay Rewards card, and it’s a good all-round card. You get double points on gas, utilities (including cell phone and cable bills), and groceries. If you’ve got a 796 Fico, you’re doing something right!

    Nice job.

    • @Crusty – I believe the Barclays score is a real FICO score.

      @dc – It does happen for a lot of folks because of the increased utilization in your account.

      @ Daniel – Use the direct link in Step 1

  17. Will checking my free FICO score on Barclay app hurt my score at all? Is it kind of a hard/soft pull on my credit?

    last month I checked my score and it was 767, a week latter I checked again and it had dropped to 746. Is it because I checked my score more than once last month?