Amex offers Experian FICO score to most cardholders && A summary of credit card issuers that offer free FICO scores

Since early August, Amex has started offering free FICO score to most of its cardmembers.  When you log into your account, you will see on the right hand side, there is a link "My Free FICO Score (NEW)".  The FICO score offered by Amex is from Experian, one of the big three credit reporting agencies.  Amex started running a pilot program that gave this score to select card members since late 2014, and Chase has been giving this score to only Slate card members.

FICO scores used to be available to paid customers only, and they are the real scores that are used by your lenders (versus "fake" scores or FAKO offered by many credit monitoring services).  In the recent years, banks have started offering FICO for free for their customers.  Here we would like to give a summary of which major card issuers are giving them for free and which reporting agencies they are using.

TransUnion FICO
Barclays: all cards offer free TransUnion FICO scores.
Discover: all cards offer free TransUnion FICO scores.

Equifax FICO
Citi: many Citicards including AAdvantage and ThankYou credit cards offer free Equifax FICO.

Experian FICO
Amex: most cards now offer free Experian FICO.
Chase: only Slate cardmembers receive free Experian FICO.

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