Free Credit Score Cards

Some credit card issuers are now providing free credit scores to their cardholders--a very attractive feature. Your credit score reflects your credit worthiness and is used by lenders to determine if you qualify for a loan and the interest rate you will pay.

The following cards all offer free credit scores. Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion:

Best Card Features: No annual fee, no penalty APR; free FICO® Score
  • 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.99% – 24.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No annual fee
  • No penalty APR. Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply
  • Regular APR
    14.99% - 24.99% Variable APR on purchases
  • Intro APR
    0% Introductory APR on purchases for 18 billing cycles; 0% Intro APR for 18 billing cycles for any balance transfers made in the first 60 days
  • Annual Fee
    $0
  • cdm-card

    Excellent Credit 750- 850

Best Card Features: 1.5% cash back on every purchase; access to higher credit line after making first 5 monthly payments on time
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Regular APR
    26.96% (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $39
  • cdm-card

    Fair Credit 640 - 699

Best Card Features: Find out if you Pre-Qualify without harming your credit score; eligible purchases earn 1% cash back; free credit score tracking
  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It’s fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Regular APR
    20.24%-26.24% Variable
  • Intro APR
    N/A
  • Annual Fee
    $0 - $99
  • cdm-card

    Bad Credit300 - 639

Best Card Features: No annual fee; builds credit by reporting to major credit bureaus; initial security deposit can be as low as $200
  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • Regular APR
    24.49%* (Variable)
  • Intro APR
    N/A
  • Annual Fee
    $0
  • cdm-card

    Good Credit 700 - 749

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