Card Benefits


Access your FICO® Score for free

Included with select Citi cards

Access your FICO® Score for free

Included with select Citi cards

For your security, it’s good to review your updated FICO® Score monthly and scan for any unexpected changes. Checking your score in the Citi Mobile® App or on Citi® Online is free, and no matter how often you check it, your score won’t be impacted. You can view your progress at a glance- see up to 6 months of score history.

Not enrolled in Citi Online? Register now to get free access to your FICO® Score.

Not a Citi cardmember yet? Become one today.

FICO® Scores: What You Need to Know

What's in my FICO® Score?

35% payment history, 30% amount you owe, 15% length of credit history, 10% new credit opened, 10% credit mix.

FICO® Scores are calculated using many different pieces of credit data in your credit report. This data is grouped into five categories: payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%) and credit mix (10%).

Your FICO® Scores consider both positive and negative information in your credit report. The percentages in the chart reflect how important each of the categories is in determining how your FICO® Scores are calculated.

What Your Score Means to Lenders

Poor well below average, Fair below average, Good near average, Very Good above average, Exceptional well above average.


We think it’s important to provide our cardmembers with access to information that will help them understand and stay on top of their credit status. That’s why we’re providing you with your FICO® Score and information to help you understand it.
We partner with FICO and Equifax, one of the major credit reporting agencies, to provide you with your FICO® Score.
FICO® Scores are updated monthly on your Citi account. Updated information is available at or by calling customer service to request it in writing. Updated scores are typically available mid-month.
There are various score models available in the marketplace. The FICO® Score we deliver is based on data from Equifax using the FICO® Bankcard Score 8 model. This model has a FICO® Score range of 250-900.
The FICO® Score Citi provides is based on information from your Equifax credit report based on the “as of” date included with your score. This may differ from scores you obtain elsewhere that may have been calculated at a different time using information from a different credit bureau or even a different score model. Please visit for more information on FICO® Scores.
Your FICO® Score and Key Factors were provided to Citi as they correspond to information within your Equifax credit report based on the calculation date (i.e., “as of” date). If you feel this information is inaccurate, you can request a free annual credit report from Equifax at If you have additional questions after reviewing, please contact Equifax at the number provided within your credit report. You’ll be able to speak with a representative for additional help. Be sure to have the Reference Number included with your credit report when speaking with Equifax.
Your score may not be available if:

  • You’re an authorized user on someone else’s account
  • You have a joint account
  • The billing statement is not in your name
  • You recently opened a new account
  • Your card currently does not offer this benefit
  • Your credit card account is no longer open

FICO® Scores are just one component Citi may use for lending and credit decisions.
Score assessments from Citi are considered a soft inquiry to the credit bureau and have no impact on your overall credit score.
View your FICO® Score directly on your Citi® Online dashboard or on the Citi Mobile® App from the My Citi tab.
If you want to understand what’s in your credit report, you can request your free annual credit report from You can get one free credit report each year from each of the credit reporting agencies. If you have questions after getting your credit report, you can call the number provided on your report.
See details on our FAQs About FICO® Scores web page or in the attached Word US version of the FAQs document under Resources.
Please refer to the guides that Fair Isaac Corporation (FICO) has provided. They will help you better understand FICO® Scores. You can find the links to these documents under the “Useful Links” section at
We’re only able to provide a FICO® Score for the primary cardmember on an account.


Customer Service

Outside of the United States,
Call Citi collect at: 605-335-2222
(TTY: We accept 711 or other Relay Service)

24 hours a day, 7 days a week

Your FICO® Score is calculated based on data from your Equifax® credit report using the FICO® Bankcard Score 8 model and may be different from other credit scores. FICO® Score(s) are intended for and delivered only to the Primary cardmember and only if a FICO® Score is available. Disclosure of this score is not available for all Citi products and Citi may discontinue displaying the score at our discretion.

FICO and “The score lenders use” are registered trademarks of Fair Isaac Corporation in the United States and other countries. Your FICO® Score is provided for your own non-commercial personal review, use and benefit. Citi and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Citi and Fair Isaac do not provide ‘credit repair’ services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.