Citibank Now Offering Free FICO Credit Scores to Cardmembers!

I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, and other banks are advertising partners of this site. I do not write about all credit cards that are available — instead focusing on miles, points, and cash back (and currencies that can be converted into the same).

Citibank now offers free ‘real’ FICO credit scores from Equifax to consumer cardmembers.

I asked what ‘select’ Citi cards meant so I checked with them and was told, “All Citi-branded consumer credit cards will offer complimentary FICO scores.”

A Citi® / AAdvantage® Platinum Select® Mastercard® gets this benefit — but a CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® does not, which makes sense because credit scores are for people rather than businesses (they could give you a Dun & Bradstreet report on a small business if they wanted I suppose — even though you may be eligible for one of these cards and didn’t realize it).

Even the no annual fee Citi® Hilton HHonors™ Visa Signature® Card will get this benefit. So a free card, and free FICO score.

If you have one of these cards you should now see a FICO Score link under the ‘Card Benefits’ tab on their website.

It can take several weeks for a score to show up for the first time for a new cardmember. And worth knowing that Citi’s updating of your scores is a ‘soft pull’ so does not, itself, affect your score.

I’ve written in the past about Here’s How to Understand Your Credit Score — and Use it To Earn Miles and Points.

Citi has some simple charts:

Here’s also How to Increase Your Credit Score and Credit Limit.

Barclaycard started doing this a year ago, so holders of the Barclaycard Arrival PlusTM World Elite Mastercard® and US Airways® Premier World Mastercard® among others already get this benefit.

Barclays pulls their scores from TransUnion. So between Citi and Beclays you’re getting scores from two different bureaus. Here’s my current score via TransUnion, down slightly from a few months ago:

And here’s my Equifax score from Citi:

Discover offers these scores already as well. Bank of America and Chase should be offering FICO scores to cardmembers at some point this year.

Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

More articles by Gary Leff »


  1. With the AA and US progressing I will be consolidating cards. the fico feaure on the Barclayscard was a differentiator that I was wanting to hold on too. Citi have just changed that.

  2. No Fico link yet on my acct…even a site search for Fico Score takes me to the card benefits page but then a search on that page for the text Fico returns nothing.

  3. @Sice: Did you click on the link that says: “Citibank now offers free ‘real’ FICO credit scores” from the first line of this post?

    I did, and was taken to an official Citibank webpage which asked me to sign in with my cc user name and password. Once I did that my EQ FICO popped right up.

    Interestingly, my EQ reported thru Citi is 14 points above my TU score as reported thru Barclays.

  4. @Robert Hanson – it is worth noting that every credit rating agency uses slightly different formulas and possibly slightly different data sets to calculate the credit scores, so it is not surprising that the scores differ. They should be pretty close, though. If one is vastly different, then you should look more closely at that.

  5. Thanks for the reminder about this…been waiting for it. It’s interesting that your two scores are so far apart. For reference, mine at Barclay/Transunion is 808 while my Citi/Equifax is 812.

  6. Interesting timing. I recently received a letter from Citi indicating they were ending their Citi Identity Monitoring service. It was fairly basic, but a good deal at $4.95/month. Anyone have a different service they recommend?

  7. @Sice
    A text search for FICO returned “Phrase not found” for me, too, but it was there when I physically looked for it.

    Page down and look for the column all the way on the right which says FAQs and Resources on a dark blue background and Quick Links underneath that. On my account, the next heading is FICO Credit Scores. I clicked on it and it says 873. Regardless of the “score standard,” I’m happy with that.

    I copied the text that is above the FICO link. I hope this helps.

    FAQs | Resources

    Quick Links

    What would you like to do?
    Contact Us
    Travel Notifications
    Get Citi Photo Card
    Start a Price Rewind
    Upload Receipts
    View Your Account

    FICO® Credit Score

    Now included with select Citi® cards
    Learn More

  8. @John- Gary’s post answers your question. Look at the % breakdown of the composition of the FICO score. Only 10% of that would be potentially negatively impacted by churning (amount of new credit). The rest is independent.

  9. @Mark – I’ve looked everywhere and it’s nowhere. Guess I’ll have to call in and see why my qualifying card doesn’t offer it…

  10. I was told I should have the benefit and to check back in a few days. Here’s the statement from the agent:

    Since this is the first time we are offering the feature all of the accounts are being updated over the next 7-10 days. There is not a specific reason for the delay.

Leave a Reply

Your email address will not be published. Required fields are marked *