Free FICO Scores for Citi Cardholders

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If you have a Citibank credit card you will soon be able to access your Equifax FICO score for free!

Free FICO Scores For Citi Cardholders
Keeping Track of Your FICO Score Is Now Free, for Citi Cardholders!

Even if you don’t have a Citi card, I’ll show you how you can monitor your credit for free.

Your credit score is a number that reflects your ability to pack back loans.   Banks use your credit score to determine whether or not they should approve you for a credit card, home loan, car loan, and more.

So if you don’t have a good credit score, you won’t be able to enjoy Big Travel with Small Money!

How Is Your FICO Score Determined?

FICO scores are based on the following:

  • Payment history
  • Amounts owed
  • Length of credit history
  • New credit
  • Types of credit
Free FICO Scores For Citi Cardholders
Your Payment History Is the Most Important Factor in Your Credit Score

Learn about how applying for lots of credit cards can impact your score in my series on credit scores.

It’s important to monitor your credit score to check for fraud and identity theft.  And you can do this for free, if you have a Citi branded card such as:

The information for the Citi AAdvantage Platinum Select card has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

Don’t Have a Citi Card?

If you don’t have a Citi card, you can still check your TransUnion FICO score for free if you have certain Barclaycards.  And folks with a Discover card can get their score for free.

Knowing your credit score can help you.  But seeing your full credit report can show you if there is anything you believe to be incorrect.  That way you can file a dispute to get the mistaken or fraudulent claim removed.

Sites like CreditKarma and Credit Sesame give you access to your credit report in addition to your estimated credit score.

And once every 12 months you can get your credit report from each credit reporting company at

Bottom Line

In the past, the only way you could see your FICO score was if you were denied for a loan.  So it’s nice to see banks moving towards more transparency in how they issue credit.

If you have a Citi branded credit card, you will soon be able to check your Equifax FICO score for free.  You can also view your TransUnion FICO score for free with certain Barclays cards.

You can view your credit report and your estimated credit score on CreditKarma and Credit Sesame for free.  And at you can get a free credit report from each credit bureau once every 12 months.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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