Capital One Rebrands Credit Tracker as ‘CreditWise’

Kevin Cash
By Kevin Cash 
Published
Edited by Paul Soucy

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Capital One's popular Credit Tracker tool is undergoing a rebranding that involves changing its name, the way it determines a credit score and how frequently customers receive an updated score. The user interface is also getting a makeover.

The most significant difference is that CreditWise — the new name for Capital One’s credit score tracker — will offer the TransUnion VantageScore 3.0 credit score instead of the previously used TransUnion New Account model. Though the VantageScore 3.0 is not the most common score used by credit issuers when determining credit eligibility, it is an upgrade from the model used previously. (The TransUnion New Account model is more of an educational score, while the VantageScore 3.0 is actually used by some lenders to approve new customers.)

Even so, many competing issuers offer the far more popular FICO score — used by 90% of top lenders — for free on a cardholder’s monthly statement, putting Capital One at a slight disadvantage in credit tracking. Still, the VantageScore 3.0 should be helpful for customers looking to track how their financial behavior affects their overall credit health over time.

Capital One will also send an updated score more often. CreditWise will offer a weekly score, whereas Credit Tracker offered one monthly.

Capital One Cards from our Partners
Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
4.7
NerdWallet Rating
Rewards rate

2x-5x

Earn unlimited 2X miles on every purchase, every day. 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.

Miles

Intro offer

75,000

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Miles
Capital One® SavorOneSM Cash Rewards Credit Card

on Capital One's website

Capital One SavorOne Cash Rewards Credit Card
5.0
NerdWallet Rating
Rewards rate

1%-10%

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), 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. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024. Terms apply.

Cashback

Intro offer

$200

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Capital One Venture X Rewards Credit Card

on Capital One's website

Capital One Venture X Rewards Credit Card
4.9
NerdWallet Rating
Rewards rate

2x-10x

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, Earn unlimited 2X miles on all other purchases.

Miles

Intro offer

75,000

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

Miles
See more capital one cards

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Get Started
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.