If you’re trying to build your credit or just want to keep track of your score, there’s no better time. Many credit score apps not only offer free credit reports and tracking tools—they also give sign-up bonuses, including cash rewards or gift cards.
Here at Bright Finance, we’ve tested the top platforms in 2025 to find the best credit score apps with sign-up bonuses. Let’s dive into the winners!
🔹 1. Sofi – Free Credit Score + $10 Bonus
Bonus: $10 cash
Type: Soft pull only (won’t affect your credit score)
Best for: Credit score + personal finance tools
Sofi offers one of the easiest ways to check your credit score for free—and they pay you $10 just for signing up and viewing your score.
Why We Like It:
- $10 bonus for new users
- Includes weekly credit updates and VantageScore
- Full financial dashboard: loans, banking, investing, and budgeting
- No credit card required
✅ Pro Tip: After signup, explore their free budgeting tools and see if you prequalify for Sofi loans—no hard credit pull needed.
🔹 2. Credit Sesame – Free Credit Score + $500 Monthly Giveaway
Bonus: Entry into a $500 monthly draw
Type: Soft pull
Best for: Budgeting tools & credit monitoring
Credit Sesame has been around for years and gives users a free TransUnion credit score with real-time credit monitoring. While there’s no guaranteed cash bonus, every user is entered into a monthly $500 giveaway.
Why We Like It:
- No cost, no card needed
- Instant access to credit factors
- Credit alerts & ID protection (even on free plan)
- Offers credit-builder card for users with low credit
🔹 3. Experian – Free FICO Score + $5–$10 Bonus via Rakuten or InboxDollars
Bonus: Varies – up to $10 via cashback portals
Type: Soft pull
Best for: FICO Score access
Experian is the only app on this list that offers your actual FICO score (which most lenders use). While Experian doesn’t offer a direct cash bonus, you can get one through sites like InboxDollars or Rakuten if you sign up through them.
Why We Like It:
- Real FICO score access
- Free credit monitoring
- “Experian Boost” lets you raise your score using utility & phone bills
- Reliable and widely used
🔎 Search for “Experian InboxDollars offer” to find current cashback promotions.
🔹 4. Karma Credit (by Intuit) – Free Score + TurboTax Discount
Bonus: Free tools + Tax discount bundle
Type: Soft pull
Best for: Credit building and tax season prep
Formerly Credit Karma, this app now operates under Intuit’s ecosystem and integrates with TurboTax. While there’s no direct cash bonus, users often get discounts or perks during tax filing season.
Why We Like It:
- Simple credit overview
- Offers tips on how to increase your score
- Includes loan and card recommendations
- Good for those who also file taxes through TurboTax
🔹 5. Chime Credit Builder – $5–$50 Offers for Card Sign-Up
Bonus: Up to $50 bonus when opening an account + card
Type: Requires deposit for bonus
Best for: Rebuilding credit
Chime offers a secured credit card and checking account combo that helps you build your credit score with no fees or hard pulls. They often run referral or sign-up promotions offering between $5 to $50.
Why We Like It:
- No credit check required to get started
- No interest, no annual fee
- Reports to all 3 bureaus
- Helps build payment history easily
📝 Final Thoughts
These days, you don’t need to pay to stay on top of your credit—and some apps will even pay you just to sign up. Whether you want a simple snapshot of your score or full tools to help you build and track it, there’s something here for everyone.
🔔 Our Top Pick:
💰 Sofi – for its $10 instant bonus, weekly updates, and full financial suite.
📣 Ready to Claim Your Bonus?
👉 Get Your Free Credit Score & $10 from Sofi*
(*Affiliate link — helps support Bright Finance at no extra cost to you.)
🔍 FAQ: Best Credit Score Apps with Bonuses
Q: Will checking my credit score hurt my credit?
A: No—these apps perform soft pulls, which don’t affect your score.
Q: Can I stack bonuses from multiple apps?
A: Yes! Most are one-time user bonuses, so you can sign up for multiple.
Q: What’s the best app for FICO scores?
A: Experian is the best if you want your real FICO score.
