CreditWise from Capital One Review 43 Reviews

Monitor your credit health for free with CreditWise from Capital One – with no impact to your credit score. CreditWise helps you understand your credit score, explains which factors can help you increase it, informs you when it changes, and more.[1]

CreditWise compensates us when you sign up for CreditWise using the links we provided.

Why we love it
Staying informed can be a good first step to a great credit score, and CreditWise is the perfect place to start. It can be a great way to plan ahead for future life decisions!
Dror Liebenthal, CEO at
Dror Liebenthal, CEO at

What Students Say

43 reviews

Love this!

If you're looking for a great way to keep track of your financial freedom, this is it! I always check my credit score with the free app on my phone. It also allows me to see where I can improve and shows when I need to slow down. 100% recommend!

Great tool

It a great tool for checking your credit and it’s free. You can also see recent inquiries. It really allows you to see what’s on your credit. I like how it updates you on changes to your credit and tells you where you fall on average for several metrics that go into your score.

Easy to work with!

This is an extremely easy way to check your credit score and simulate your payments or purchases and how this could affect your score. I like the simplicity of the app. Would recommend it to those just beginning to build their credit or those who need to work on building their credit and seeing how their purchasing choices affect their credit score.

Easy peasy lemon squeezy!

Checking my credit score regularly with Creditwise couldn't be easier since it is included in the Capital One mobile app.

Great Service!

I have used CreditWise from Capital One and it has helped me become more knowledgeable about my credit trends and the reasoning behind my credit score! I recommend utilizing this service.

Easy to use, integrated with my card

Credit-Wise in my app helps me to go into my credit easily from my phone.


My experience is positive. I like how knowing my credit score doesn't damage it.

Easy to use and understand

Easy to use with down-to-earth explanations and information.

Really easy to use!

It's really helpful to get notifications about my credit score, and it's really easy to access everything!

Easy to use and important

Everyone should watch their credit. This app makes it really easy to see your credit, money you own on loans, and even if your credit has been used fraudulently.
10 / 43 reviews shown
[1] The CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many scoring models. Some monitoring and alerts may not be available if your enrollment information does not match the information at one or more consumer reporting agencies. Alerts are based on changes to your TransUnion and Experian® credit reports and information CreditWise finds on the dark web. In order to enroll in CreditWise, you need to be over the age of 18 with a valid social security number that can be matched to a credit profile from the TransUnion credit bureau.