We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks (such as a “Next” button) that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

This page may include: credit card ads that we may be paid for (“advertiser listing”); and general information about credit card products (“editorial content”). Many, but not all, of the offers and clickable hyperlinks (such as a “Apply Now” button or “Learn More” button) that appear on this site are from companies that compensate us. When you click on that hyperlink or button, you may be directed to the credit card issuer’s website where you can review the terms and conditions for your selected offer. Each advertiser is responsible for the accuracy and availability of its ad offer details, but we attempt to verify those offer details. We have partnerships with advertisers such as Brex, Capital One, Chase, Citi, Wells Fargo and Discover. We also include editorial content to educate consumers about financial products and services. Some of that content may also contain ads, including links to advertisers’ sites, and we may be paid on those ads or links.

For more information, please see How we make money.

Free FICO Scores for Citi Cardholders

  • Million Mile Secrets

    • Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full advertising policy: How we make money.

    Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers. This page includes information about the Discover it® Cash Back that is not currently available on Million Mile Secrets and may be out of date.  Citi is an MMS advertising partner.

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

    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:

    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 AnnualCreditReport.com.

    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 AnnualCreditReport.com 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! :)