How It Works
Start saving deposit
Create a savings plan to save $300 deposit to open one Credit Builder Card or $400 to open two Credit Builder Card. Save the full funds today or create a plan to save up over a number of weeks or months. Receive your card(s) when deposit is saved. You will have the option to enroll your spouse.
Start building your score
Receive one $300 line Credit Builder Card or two $200 line cards. Make purchases with card(s) and pay the balance each month to build your credit score. Opening two cards helps you build your score faster! Once your credit score has increased, close your account and get your deposit back.
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When Do I get My Card?
You will receive your credit card(s) on you have fully completed your savings plan to save up the deposit to open the card(s). You can save the $300 deposit to open one $300 line card or save $400 to open two, $200 line cards. Opening two credit cards will give you two positive tradelines and help your score increase faster. You also have the option to enroll your spouse during the signup.
Will My Score Go Up?
Yes! Credit Builder Card's program is designed to help you build your credit score with all three credit bureaus. It would be impossible to say how much your score will go up but members have seen their score improve by more than 50 points. To get the maximum increase to your score we recommend choosing to open 2 cards and get 2 positive trade-lines reporting on your credit report.
Really No Credit Check?
That's right :) We want our service to be accessible to everyone and that means no credit check. You save money to fund your safety deposit to open your card(s) and as a result there are no strict credit requirements.
What's the Cost?
There's no cost to creating an account with Credit Builder Card. Create your savings plan to save the fund your deposit to open your card(s). Once you open your credit card(s) there is a $29 annual fee per card.