No Credit CREDIT CARDS

Highlights

• Overdraft protection up to $200 with opt-in and eligible direct deposit*
• No monthly fees with eligible direct deposit, otherwise $5 per month
• Earn up to 7% cash back when you buy eGift Cards in the app
• Get your pay up to 2 days early – Get your government benefits up to 4 days early.*
• High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

Additional Info

• Overdraft Protection: up to $200 with opt-in and eligible direct deposits
• Activation Fee: $0
• Monthly Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
• Direct Deposit Fee: $0
• ATM Fee: $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
• Credit Recommended: All Credit Types Considered
• Reports to Consumer Reporting Agencies: See more on Go2bank site
• Number of Bureaus: 3

Specifications

Highlights

• Extra is the first debit card that helps you build your credit and earns up to 1% back in points for everyday purchases like gas, coffee and your phone bills.¹
• No interest. No credit checks. No deposit required.
• Track your spending & credit score—follow your progress with Credit Journey on the Extra App
• Earn reward points—earn up to 1% back in points with every purchase and redeem them for cool products in the Extra Rewards Store¹
• Use your bank—keep your money where you want, while spending smarter with Extra.¹
• ¹The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.

Additional Info

• Activation Fee: $0
• Annual Fee: See Terms
• Brand Name: Mastercard
• Checking Account Required: Yes
• Credit Check: No
• Credit Recommended: All Credit Types Considered
• Minimum Deposit: $0
• Rewards Rate: Earn up to 1% in points
• Reports to Consumer Reporting Agencies: Yes

Specifications

Highlights

• Savings plans start at $25/month and includes credit monitoring
• Reports to all 3 credit bureaus. No hard credit pull and no credit history required
• Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
• At the end of account term you’ve built credit history and your CD savings unlocks

Additional Info

• Balance Transfers Intro APR: N/A
• Purchases Intro APR: N/A
• Regular APR: 12.03% – 15.98% (Varies by Product)
• Annual Fee: One Time $9 – $15 Account Fee (Varies by Product)

Specifications

Highlights

• No annual fees or interest.³
• No credit check to apply.
• No minimum security deposit required.¹
• Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
• Reports to all 3 major credit bureaus.
• Help increase your credit scores/FICO® Score by an average of 30 points^*
• View and track your FICO® Score² right in the Chime app. FICO is the credit score used by 90% of lenders.
• Chime^® Checking Account and $200 qualifying direct deposit required to apply.

To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime^® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash deposits, one time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

Additional Info

• The secured Chime Credit Builder Visa^® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your card for its issuing bank.
• ¹ Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
• ^* Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
• ² Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
• ³ Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.

Specifications

Highlights

• Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90% of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable.With Ava, you can expect:
  • No hidden fees
  • 0% interest
  • Instant account set up with no credit check
  • $0.00 deposit/collateral required

Additional Info

Why Ava, you ask?

Quick Results: 74% of our members saw an improvement in their credit score within the first two weeks of joining Ava. Stick to those on-time payments, and you might just get a 40+ point boost in three months!

Easy Setup: You’ll be up and running in less time than it takes to make a cup of coffee – less than 5 minutes!.

Transparent Pricing: Starting at just $6/month for the annual plan, Ava offers a simple, affordable route to better credit history.

Included in our simple pricing are:

CREDIT BUILDER CARD:

Ava’s Credit Builder Card allows you to pay for over 60 online subscriptions and bills like Netflix and Verizon, while also lowering your credit utilization. NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.

We help you keep a low card utilization with a spend limit to positively impact your score. When you make on-time payments we report your positive behavior to all three credit bureaus within 48 hours.

SECURED CREDIT BUILDING ACCOUNT:

The Ava Save & Build secured loan helps you save money AND improve your credit history at the same time. Add an additional credit line to your report and increase the frequency of on-time payments. Start by putting away at least $25/month and you get ALL the money you saved after 12 – 24 months of on time payments. Absolutely NO interest or added fees. You keep every dollar you save towards the secured loan!

MONTHLY FREE CREDIT REPORT

Stay on top of your credit score with free credit reports in the app. Discover insights and suggestions in your report that make it easy to understand credit factors, like credit utilization and percentage of on-time payments.

DEDICATED CUSTOMER SUPPORT

Require assistance or have inquiries? Our dedicated support team is here to help. Contact us at support@meetava.com.

Ava makes credit building easy. What you see is what you get – no hidden fees, zero interest, and a promise that we’ve got your back. We make sure we win only when you win. A better credit score, peace of mind and thousands in savings are just a few taps away.

Ava is not a bank, Ava is a technology company that partners with banking services provided by Evolve Bank & Trust, member FDIC to provide the Secured Loan Account. The Ava Credit Builder Mastercard® is issued by Patriot Bank, N.A., member FDIC pursuant to a license from Mastercard international Incorporated

Specifications

Highlights

• No credit check
• 0% APR and No hidden fees
• Open your account in minutes
• Bank-level security keeps your data safe
• A  tradeline from $750 up to $2,500
• Build credit by establishing a payment history and maintaining a low utilization rate, all with no unexpected fees or interest.

Credit building on your terms

You decide how much to spend and how many months of payment history to build. There’s no minimum time commitment – you can pay your balance in full at any time.

Grow payment history, guaranteed.

With AutoPay we automatically settle your balance on time, every month. This guarantees you build your payment history – and your credit.

Reach your financial goals.

Every month we report your payments to the major credit bureaus. Grow your credit to get that apartment lease, car loan, those lower interest rates.

Additional Info

Sign up for Kikoff Credit Service.

Apply in minutes with no credit pull. Purchase the Kikoff Credit Service for $5/month[1]. This account is designed to build long-term credit and give you a low utilization rate.

Make your first payment.

Your payment goes toward your Credit Account balance and payment history gets reported to the credit bureaus. This account stays open as long as your Kikoff account is active.

Open your Credit Builder Loan.

After your first payment, you’ll unlock access to the 0% interest and $0 fees Credit Builder Loan. Pay 12 installments of $10/month, after which we will return your $120 back to you.

Specifications

Highlights

• Greater access to credit than before – $700 credit limit
• Get a Mastercard accepted online, in store and in app
• Account history is reported to the three major credit bureaus in the U.S.
• $0 liability for unauthorized use
• Access your account online or from your mobile device 24/7

Additional Info

• Regular APR: See terms
• Credit Recommended: Fair/Good
• Annual Fee: See terms
• Card Brand: Mastercard
• Credit Limit: $700
• Cash Advance Fee: See terms
• Foreign Trans Fee: 1% of each transaction in U.S. dollars

Specifications

Highlights

• Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
• Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
• Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
• Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
  *Please see site for full terms and conditions.

Additional Info

• Activation Fee: $0
• Monthly Fee: $0 with eligible direct deposit
• Direct Deposit Fee: $0
• ATM Fee: $2.50
• Credit Recommended: N/A

Specifications

Highlights

• All credit types accepted.
• Arro’s soft credit pull does not impact your credit score.
• Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
• Opportunities to decrease your interest rate.
• Use your Arro Card anywhere Mastercard is accepted.
• Application takes as little as 5 minutes.

Additional Info

• Regular APR: 16% Variable
• Credit Recommended: All Credit Types Accepted
• Card Brand: Mastercard®
• Monthly Fee: $3/month; $1/month for the 1st year
• Late Payment Fee: $10
• Return Payment Fee: None

Specifications

Highlights

• Get up to a +86 average* FICO® Score increase on autopilot
• Largest credit builder in the nation
• Build from $2,000 up to $30,000 of credit history starting at just $30/mo
• Great if you want to access premium CCs & higher credit limits
• No credit history needed; no hard check required
• No prepayment or early cancellation fees

*Individual results may vary, terms and conditions may apply.

Additional Info

• Credit Check: No
• Credit Recommended: All Credit Types Considered
• Reports to Consumer Reporting Agencies: Experian, TransUnion, Equifax
• Coverage: Excludes: WI, VT

Specifications

Highlights

• Choose your own credit line based on how much money you want to put down as a security deposit.
• Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
• After 9 months, we review your account for a credit line increase. No additional deposit required!
• Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
• Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
• Get your FICO® Credit Score for free each month.
• Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
• Card issued by Merrick Bank, Member FDIC.

Additional Info

• Regular APR: 22.70% Variable
• Annual Fee: $36 for first year. Billed $3 per month thereafter
• Credit Line: $200-$3,000, depending on deposit amount
• Cash Advance APR: 27.70% Variable
• Cash Advance Fee: 4% Min: $10
• Late Payment Fee: Up to $40
• Return Payment Fee: Up to $40
• Foreign Trans Fee: 2%
• Minimum Deposit: $200
• Regular Transfer APR: N/A
• Penalty APR: N/A
• Balance Transfer Fee: N/A
• Credit Recommended: See website for Details*
• Intro (Purchases): N/A
• Intro (Transfers): N/A

Specifications

Highlights

The Net First Platinum card could be the perfect card for you.

*See Card for Details

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

• No Employment or Credit Check
• Bad Credit, No Credit – OK
• Always 0.0% APR
• Fast Online Applications

Additional Info

• Credit Line : $750 Limit (Usable only at TheHorizonOutlet.com)
• Monthly Fee : See website for Details*
• Regular APR : 0% APR
• Credit Recommended : Damaged credit to Fair credit

Specifications

Highlights

• No Employment or Credit Check
• Bad Credit, No Credit? No Problem!
• Fast and Easy Application

Additional Info

• Credit Limit : $750 Limit (Usable only at TheHorizonOutlet.com)
• Regular APR : 0% APR
• Monthly Fee : See website for Details*
• Credit Recommended : Damaged/Fair

Specifications