Credit Card Details
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Unlock $1,000 to shop top brands in electronics, home goods, apparel and more on the Perpay Marketplace. Pay over time with no interest or fees.

Card Brand MasterCard®

Credit Recommended Any Credit

Regular Purchase APR 0.00%

Annual Fee $0.00

Intro Purchase APR n/a

Intro Balance Transfer APR n/a


Shop, build credit, pay over time with your paycheck.

We make everyday purchases more accessible and help you build credit along the way.

Shop the Perpay Marketplace

Unlock $1,000 to shop top brands in electronics, home goods, apparel and more on the Perpay Marketplace. Pay over time with no interest or fees.

Take Perpay on the go

Swipe the Perpay Credit Card anywhere Mastercard is accepted. Earn 3% ¹ rewards to shop your favorite products and brands on the Perpay Marketplace.²

Build Credit with Perpay

With automatic payments from your paycheck, Perpay makes it easy to build positive credit history. See your credit score increase by 36 points (on average) within the first 6 months.

Additional Info

On-time payment history can have a positive impact on your credit score. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make on time payments by the payment due date may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors. Perpay will report your transactions to Experian®, Equifax®, and TransUnion®.*Based on results observed across more than 45,000 Perpay+ members, customers enrolled in credit building observe an average credit score (VantageScore 4.0) increase of 36 points within the first three months reporting. Individual results may vary. Credit score improvement is not guaranteed.

1 Earn rewards each time you make a payment towards your balance on the Perpay Credit Card. All rewards are earned in the form of Perpay Marketplace credits. See our Perpay Credit Card Rewards Program Terms for more details.

2 Subject to credit approval. Not available to residents of California or New Hampshire. The Perpay Credit Card is powered by Deserve, Inc. and issued by Celtic Bank, a Utah-chartered industrial bank, Member FDIC.


Regular APR See Terms
Annual Fee See Terms
Intro (Purchases) n/a
Intro (Transfers) n/a
Credit Recommended Any Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee See Terms
Overlimit Fee See Terms
Return Check Fee See Terms
Foreign Transaction Fee See Terms
Balance Transfer Fee See Terms
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