Free FICO Score from Citi Credit Cards

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citidouble200This post provides updated information and instructions regarding the free FICO score that is available to Citibank credit card holders.

Background. While their plans were announced in late 2014, Citi started offering free FICO scores to select cardholders in January 2015.

FICO Score details.

How to find the score. You can find the free FICO score on your online account access. According to a January 2015 press release, you can also request them to mail it to you. After logging in, look for either the “View your FICO Score” link or click on the “Card Benefits” tab. See screenshot below (click to enlarge):


Here are some example screenshots of what information is provided. Here is the latest score, a score meter, and the top two factors impacting your score:


They also provide a score history:


Here is a visual of the score range to help understand what each range means to lenders:


Fine print:

Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and may be different from other credit scores. FICO® Scores are intended for and delivered only to the Primary cardmember and only if a FICO® Score is available. Disclosure of this score is not available for all Citi products and Citi may discontinue displaying the score at our discretion.

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  1. Thanks for this reminder. I didn’t even realize I was eligible for this. I signed up for a Thank You Premiere card in the spring for the 50k point bonus.
    My score was actually located on the right bar of the Citi website under the “Financial Tools” pie chart (NOT under the Financial Tools menu on the top menu bar, though). 847 as of 7/28, up from 835 in May. Very nice.

  2. Big thanks from me too, long time reader of your blog. I visit Citi website frequently and missed this offer! I paid off a Balance Transfer promo 8/14/15 and was hoping for another offer, but none forthcoming yet, just “no offers available” My Fico score is 699 (“as of July 28”–so doesn’t take into account my repayment of Balance Transfer). I have a 60-day loan from Roth I want to pay back due in one month. No luck inquiring by phone to Citi. Am afraid it takes months for computers to catch up and make another promo available. Anyone have any ideas how I can move this along?

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