Free No Hassle Ways to Get Your Credit Score

Get a $695 credit card annual fee waived in my Ultimate Military Credit Cards Course
The Platinum Card® from American Express card is annual fee waived for military. Terms apply.

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Your credit score is an essential part of your overall financial health. You may have seen those ads for “” or other scammy websites.

Most of these sites offer a free credit score after you put your credit card details in. Once your 7 day free trial is up, they’ll sign you up for $15/month or worse “credit monitoring” programs that are next to worthless and a great way to make yourself poorer.

The government mandates that you can access your credit report for free every year from the three major credit reporting agencies: TransUnion, Experian, and Equifax. However, they are not obligated to give you your FICO credit score.

Instead of dealing with those sites, check out these free, no credit card required alternatives to the sketchy websites the annoying jingles. I recommend checking your credit score at least three times a year, especially if you have a large financed purchase coming up, like a new home or car.

Credit Sesame

I just recently signed up for Credit Sesame to compare it to Credit Karma. CS offers you a free credit score based on your Experian credit report. Credit Sesame is ad supported, meaning you may see ads for credit cards you’re eligible for based on your credit score.

They are also including monthly credit reports, free credit monitoring services, and $50,000 of identity theft insurance, all for free. Signing up for Credit Sesame will not impact your credit score, although you do need to provide your Social Security Number. You can update your CS score once a month.

I'll show you how to maximize your military credit card benefits.

Get your first annual fee waived on the The Platinum Card® from American Express today.

Credit Karma


I’ve used Credit Karma for several years now. A very unobtrusive, pleasantly designed, and ad supported website similar to Credit Sesame. Credit Karma offers you a free credit score based on your TransUnion report. Signing up for Credit Karma will not impact your credit score and does require your SSN. You can update your CK score once a week.


PenFed - Best Bank for Military

Pentagon Federal Credit Union is offering free FICO NextGen scores to it’s members with checking accounts, credit cards, and installment loans. You can access it in the promotions box that says “Your FICO Score is Ready.” PenFed says they’ll update the score once a quarter. Note that the NextGen score is on a scale of 150-950, which is different than the 300-850 score Credit Sesame and Credit Karma give you.


USAA offers free Vantagescores credit scores when you have an eligible credit card with them. The scores update monthly and include tips to improve your credit score. A nice additional feature when you have a no annual fee, cash back credit card with USAA.

Amex Platinum Card With NO Annual Fees for Military

Amex Platinum Card Military

Military servicemembers and spouses can get The Platinum Card® from American Express with NO annual fees. This ultra premium luxury travel card normally has a $695 annual fee.

Learn how to apply for the Amex Platinum military fee waiver.

The Amex Platinum offers:

  • $695 Annual Fee WAIVED for US Military (and spouses)!
  • Earn 100,000 Membership Reward Points with $6000 spend in 6 month
  • Earn up to $200 annual Hotel Credit: Get $200 statement credit on prepaid Fine Hotels + Resorts or the Hotel Collection, which requires a two-night minimum stay, booked on Amex Travel and paid for with your Platinum Card
  • Earn up to $200 credit for Uber rides (or Uber Eats!) annually
  • Earn up to $200 airline fee credit
  • Centurion Lounge and Priority Pass Airport Lounge Access
  • Earn up to $100 annual Saks Fifth Avenue credit, can be used for gift cards, enrollment required
  • No foreign transaction fees, terms apply
  • Earn 5x points on airfare booked directly with airline or on up to $500,000 per calendar year
  • Transfer to 22 travel partners

These benefits, especially up to $600 of credits for hotels, airlines, and Uber, plus the massive 100,000 point welcome bonus, make the Amex Platinum card my TOP recommended card.

This is the largest welcome bonus on this card I've seen in years.

You have a leisurely 6 months to meet the $6000 minimum spend to earn the 100,000 points. That's only $1000 per month.

If you already have an Amex Platinum card, check out the American Express® Gold Card, fee waived Chase military credit cards like the Chase Sapphire Preferred, and this month's top recommended credit card bonuses, all with no annual fees for US military personnel and their spouses.

Military Money Manual has partnered with CardRatings for our coverage of credit card products. Military Money Manual and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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