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Get Free FICO Scores with Walmart Credit Card

We're always on the hunt for new ways to get your hands on free FICO Scores. Not the "FAKO" scores that credit bureaus and free credit report sites will try to pawn off on you, but real FICO scores. You know, the ones lenders actually use to assess your risk as a borrower.

Of course, you could always buy your FICO scores via myFICO.com, but what if you're diligently building your credit and want to track your scores every month for free?

Here's a quick tip that can save you a lot of money on expensive credit scores. Walmart has partnered with TransUnion to provide their credit card customers with a free FICO score every month. Go Walmart! Just one more reason why I love you.

So how does this work? All you have to do is get approved for the Walmart credit card, which has no annual fee, and then enroll in electronic statements online.

The credit score you'll receive each month is exactly the same FICO score that would cost you $19.95 a pop to purchase through myFICO.com, so this is really an awesome benefit Walmart is providing their cardholders. Even if you don't use the card very often for anything else, keeping it handy to take advantage of the free FICO scores is worth it. 12 free FICO scores represents almost $240 per year saved!

If you're not a fan of Walmart's credit card but are still looking for a card that provides free FICO credit scores, we recommend checking out the new Barclay CashForward World Mastercard instead. Not only will you receive free FICO scores, but you'll also earn unlimited 1.5% cash back and $100 sign-up bonus after spending $500 during the first 90 days. Not too shabby for a no annual fee credit card!

*Updated 4/27/2016

Barclaycard CashForward™ World MasterCard®

Free FICO scores plus $100 sign-up bonus after spending $500!

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Elisabeth Chan's picture

Elisabeth Chan is Creditnet's resident credit card expert. Elisabeth graduated Magna Cum Laude from Brigham Young University's Marriott School of Business.

When she's not rating and reviewing credit cards, Elisabeth enjoys gushing over her daughter (who is her exact clone), eating out (sushi and Chinese are favs), or attempting to conquer the pilates reformer machine (so far, all attempts have been futile).

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Comments

Michael's picture

I applied for this card, mainly for the FICO score. I was just rejected, because, 'not enough time has passed' since the last time I applied. I have no memory of ever applying or getting rejected for a Walmart card. Oh well, I'm neither a big fan of Walmart or GE Capital.

Joshua Heckathorn's picture

That's interesting Michael. Even if you don't feel like getting this card any longer, I would still recommend taking the time to follow up on the response you received and let them know you never applied for the card before. Just to be safe, you want to make sure somewhere isn't out there applying for credit cards in your name. Then again, it could very well just be a mistake on the credit issuer's part when they were reviewing your application.