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Free FICO® Credit Score with Bank of America® Credit Card Get your free FICO® credit score anytime with your Bank of America® credit card. Learn more about your free FICO score. Bank of America

Learn About Credit

Know more than your FICO® Score

We think it's important that you have access to tools that help you understand your credit. That's why we're providing a monthly FICO® Score from TransUnion® for free to eligible customers with a consumer credit card.

Not a Bank of America credit card customer? Learn more about available credit cards.

Sign in to Online or Mobile Banking on your mobile device and enroll today to:

  • Get your FICO® Score monthly without negatively impacting your credit score
  • See key factors that are impacting your score
  • Track your recent scores month-to-month and compare them to national averages
  • Learn about credit and strategies for keeping credit healthy with Better Money Habits®

Enroll now  to get your FICO® Score

fico score

For illustration only

† Includes those with Merrill Lynch® and U.S. Trust® branded cards.

What you need to know*

  • Hide What are FICO® Scores?

    A FICO® is a three-digit number that summarizes your credit risk based on your credit file at one of the  three major consumer bureaus at a particular point in time. FICO® Scores are used in 90% of lending decisions. FICO® Scores help lenders evaluate credit risk and can influence the credit that's available and the terms, such as interest rate, that lenders offer.

  • Show Does my FICO® Score change every month?

    Each time we provide your FICO® Score, it's based on the information in your TransUnion® credit report at that point in time. As the information in your credit report changes, your FICO® Score may also change and we provide it monthly so you can view it over time in the FICO® Score History Chart.

  • Show Will receiving my FICO® Score each month impact my credit score?

    No. Viewing your FICO® Score from Online Banking will not impact your score.

  • Show How do I improve the health of my credit?

    Your FICO® Score considers both positive and negative information in your credit report. Good credit habits like always paying bills on time, keeping balances low, and only opening new credit cards when you need them can all have a positive effect on your financial health.

*This content provided by FICO® and TransUnion®

 Terms of FICO Score Program in Online Banking Service Agreement

Learn about credit scores with Better Money Habits®

The more you understand how credit scores work, the more confident you'll feel about your financial decisions. Better Money Habits helps you to answer the tough financial questions and get the information you need about your credit score.

The information we provide below is about credit scores generally and not specifically about FICO® Scores, and is intended only for your educational, personal, and non-commercial use.