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Update: Some offers mentioned below are no longer available – Blue Cash Everyday Card from American Express, Blue Cash Preferred Card from American Express

Once the dominant player in the rewards credit card marketplace, American Express has in recent years faced increasing competition in this space from relative newcomers, including Chase and Barclaycard.

In an effort to stay on top, though, Amex has lately been revamping the benefits of several of its credit cards, including the Starwood Preferred Guest Card and the Premier Rewards Gold Card, and just announced that it’s providing personal credit and charge cardholders with their FICO scores for free each month.

The move follows a pilot program that Amex launched last November for targeted cardholders, and similar offerings from competitors like Citi, Discover and US Bank, among others.

Unlike some of those competitors, though, Amex will be providing its cardholders not just with an educational FICO score, but their Fico Score 8, the actual credit score the issuer uses to manage cardmembers’ accounts that is based on data from Experian, one of the three major credit-rating agencies in the US.

Knowing one’s FICO score is imperative to monitoring one’s credit and overall financial well-being. Having access to it each month can help you build your credit, apply for appropriate credit cards and loans, and track the state of your finances, including payment history and any potential problems such as identity theft or fraud. It also means you don’t have to do a hard inquiry on your credit (and thus get a two-to-five-point ding on your score) each time you want to access it.

This is a great, consumer-friendly move by Amex, and hopefully we’ll see all the major issuers offer this as a standard consumer card benefit in the years to come.

Access Your Score

If you have a consumer American Express card, you should now be able to log into your account online and find your FICO score by clicking on the link that says “My Free FICO Score – NEW” on the right-had side of your screen under “Your Last Log In.”

Amex login fico

You can now access it every time you log in, as well as compare your FICO score from the current month to the prior month and review factors that have impacted your score over time.

Cards With FICO Score Access

Amex has rolled out the feature to all its consumer charge and credit cards. So you should be able to see your Experian FICO Score 8 each month if you have, or apply for, one the following:

Platinum Card from American Express: Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.

American Express Premier Rewards Gold: Earn 25,000 points after you use your new card to make $2,000 in purchases in your first 3 months.

EveryDay Preferred Credit Card from American Express: Earn 15,000 points after you use your card to make $1,000 in purchases within the first 3 months.

EveryDay Card Credit Card from American Express: Earn 10,000 points after you use your card to make $1,000 in purchases within the first 3 months.

Gold Card from American Express: Earn 2x points for flights booked directly with airlines and at US restaurants, 1x points on other purchases.

Starwood Preferred Guest Card from American Express: Earn 25,000 points when you spend $3,000 within the first 3 months.

Gold Delta SkyMiles Credit Card from American Express: Earn 30,000 bonus miles after you make $1,000 in purchases on your card within your first 3 months plus a $50 statement credit when you make a purchase within the first 3 months.

Platinum Delta SkyMiles Credit Card from American Express: Earn 5,000 MQMs and 35,000 bonus miles after you spend $1,000 in your first 3 months plus a $100 statement credit when you make a purchase within the first 3 months.

Delta Reserve Credit Card from American Express: Earn 10,000 bonus miles and 10,000 MQMs after your first purchase on your new card.

JetBlue Card from American Express: Earn 20,000 TrueBlue points after you spend $1,000 in purchases on the Card within your first 3 months.

American Express Hilton HHonors Surpass Card: Earn 60,000 points when you spend $3,000 within the first 3 months.

American Express Hilton HHonors Credit Card: Earn 40,000 points when you spend $750 within 3 months.

Blue Cash Preferred Card from American Express: Earn up to $200 back, in a statement credit, after getting 10% back on purchases at Amazon.com in the first 6 months. Also, earn $150 back in the form of a statement credit after you make $1,000 in purchases with your new card in the first 3 months.

Blue Cash Everyday Card from American Express: Earn up to $200 back, in a statement credit, after getting 10% back on purchases at Amazon.com in the first 6 months. Also, earn $100 back in the form of a statement credit after you make $1,000 in purchases with your new card in the first 3 months.

Blue Sky from American Express: Earn points on eligible purchases.

Blue from American Express: Earn points on eligible purchases.

TrueEarnings Card from Costco and American Express: Earn cash back on eligible purchases at Costco and gas stations.

Green Card from American Express: Earn 1x points on eligible purchases.

For more information on FICO scores and your credit, see the following posts:

Starwood Preferred Guest® Business Credit Card from American Express

There’s no telling how much longer these cards will be around and available for new applications because of the Marriott takeover, so now might just be the perfect time to apply. Apart from hotel redemptions, you can transfer Starpoints to over 30 airline partners, and now also transfer points from Starwood to Marriott Rewards at a 1:3 ratio, opening up even more redemption options.

Apply Now
More Things to Know
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries.
  • Redeem Starpoints® for free flights on over 150 airlines with SPG Flights - all with no blackout dates. Some hotels and resorts have mandatory service charges.
  • No Foreign Transaction Fees on international purchases.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and conditions apply
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
15.74% - 19.74% Variable
Annual Fee
$0 introductory annual fee for the first year, then $95
Balance Transfer Fee
See Terms
Recommended Credit
Excellent Credit
Terms and restrictions apply. See rates & fees.

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