Keeping an eye on your credit health with CreditWise from Capital One offers a free and convenient way to do just that. Whether you’re a credit novice or a seasoned pro, CreditWise provides valuable tools to help you monitor your credit score, report, and potential fraud.
Here’s what we like:
- Free credit score and report: This is the core of CreditWise. You can access your TransUnion and Equifax reports (one bureau per month) and see your VantageScore 3.0 credit score updated weekly.
- Credit monitoring alerts: Get notified of any changes to your credit report, such as new accounts, inquiries, or delinquencies. This can help you catch potential fraud early on.
- Credit simulator tool: This interactive tool allows you to simulate the impact of different financial decisions on your credit score, like paying off debt or opening a new credit card. This can be helpful for planning your financial future.
- Easy-to-use interface: The website and mobile app are user-friendly and intuitive, making it easy to navigate and understand your credit information.
- Security features: CreditWise uses biometric authentication and two-factor authentication to help protect your data.
However, it’s important to consider some limitations:
- Not the same score used by lenders: The VantageScore provided by CreditWise may differ from the FICO score used by many lenders.
- Limited monitoring: While CreditWise offers alerts for some changes, it may not be as comprehensive as some paid credit monitoring services.
- Upselling from Capital One: As a Capital One product, you may see offers for their other financial products.
Dark Web Monitoring: In an era plagued by data breaches and identity theft, safeguarding personal information is paramount. CreditWise offers dark web monitoring, alerting users if their personal information surfaces on the dark web. This proactive approach helps users mitigate the risk of identity theft and take swift action to protect their financial identities.
Do you need a Capital One Credit Card to get Free Creditwise?
No, you do not need a Capital One credit card to use CreditWise. It is completely free and available to anyone residing in the United States who:
- Is over 18 years old.
- Has a valid Social Security number that can be matched to a credit profile from the TransUnion credit bureau.
This means you can sign up for CreditWise and access its features even if you are not a Capital One customer and don’t have any of their financial products.
It’s accessible via desktop and mobile devices, ensuring users can stay informed and empowered wherever they go.
Overall, CreditWise from Capital One is a valuable tool for anyone who wants to take control of their credit health. It provides essential features for free and is easy to use. However, it’s important to be aware of the limitations and consider exploring other options if you need more comprehensive monitoring or access to your FICO score.
Interested in some great Capital One credit card offers – Review and Apply Below
Quick details at a glance:
Annual Fee – $0
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Foreign Trans Fee – None
Product Type – ConsumerCard
Here are more detailed features of the Capital One Platinum Credit Card
- No annual or hidden fees. See if you’re approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
- Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
Quick details at a glance:
Card Rewards Offer – 1.5% Cash Back on every purchase, every day
Annual Fee – $39
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Foreign Trans Fee – None
Here are more detailed features of the Capital One QuicksilverOne Cash Rewards Credit Card
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
Quick details at a glance:
Annual Fee – $0
Minimum Deposit – $49, $99 or $200
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Foreign Trans Fee – None
Product Type – ConsumerCard
Here are more detailed features of the Capital One Platinum Secured Credit Card
- No annual or hidden fees. See if you’re approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app
Quick details at a glance:
Intro Rewards Bonus – Earn $50 Cash Back when you spend $100 in the first three months
Card Rewards Offer – 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Annual Fee – $0
Foreign Trans Fee – None
Purchase Grace Period – 25 days
Here are more detailed features of the Capital One Savor Student Cash Rewards Credit Card
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Quick details at a glance:
Card Rewards Offer – 1.5% Cash Back on every purchase, every day
Intro Rewards Bonus – Earn $50 Cash Back when you spend $100 in the first three months
Annual Fee – $0
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Purchase Grace Period – 25 days
Here are more detailed features of the Capital One Quicksilver Student Cash Rewards Credit Card
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
Quick details at a glance:
Card Rewards Offer – 1.5% Cash Back on every purchase, every day
Annual Fee – $0
Minimum Deposit – $200
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Foreign Trans Fee – None
Here are more detailed features of the Capital One Quicksilver Secured Cash Rewards Credit Card
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
Quick details at a glance:
Card Rewards Offer – 1.5% Cash Back on every purchase, every day
Annual Fee – $0
Foreign Trans Fee – None
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Here are more detailed features of the Capital One Quicksilver Cash Rewards for Good Credit
- Earn unlimited 1.5% cash back on every purchase, every day
- $0 annual fee and no foreign transaction fees
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards
- Cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- $0 Fraud Liability for unauthorized charges
Quick details at a glance:
Card Rewards Offer – 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Annual Fee – $0
Foreign Trans Fee – None
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Here are more detailed features of the Capital One Savor Cash Rewards for Good Credit
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards
- Cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- No foreign transaction fee
- No annual fee
- You’re covered by $0 Fraud Liability for unauthorized charges
Quick details at a glance:
Card Rewards Offer – 1.25 Miles per dollar on every purchase, every day
Annual Fee – $0
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Foreign Trans Fee – None
Here are more detailed features of the Capital One VentureOne Rewards for Good Credit
- $0 annual fee and no foreign transaction fees
- Earn 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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