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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 60,000 points after you spend $5,000 on purchases on your new Card in your first 3 months.

Premier Rewards Gold Card from American Express: 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 Credit 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 40,000 bonus miles and 10,000 MQMs after spending $3,000 within the first three months.

The JetBlue Card: Earn 10,000 bonus points after you spend $1,000 in purchases on the Card within your first 3 months.

Hilton Honors Surpass Card from American Express: Earn 100,000 points when you spend $3,000 within the first 3 months.

Hilton Honors Card from American Express: Earn 80,000 points when you spend $2,000 within the first 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:

The Business Platinum® Card from American Express

Aside from the 75,000 points welcome bonus, Amex recently made huge improvements to the Business Platinum Card, including the fact that you will now earn 50% more points on purchases of $5,000 or more, earn 5x on flights and eligible hotels at Amextravel.com and cardholders will receive a $200 airline fee credit each year.

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More Things to Know
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms Apply
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Intro APR on Purchases
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Annual Fee
$595
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Recommended Credit
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