You will receive your secured card once you have fully funded the deposit to open the card and have been approved by the issuing Bank. You can put down as little as $200 to open your secured card if you apply through our program. Typically you receive your card around 2 weeks after you are approved by the issuing Bank.

Credit Builder Card's program is designed to help you build your credit with all three credit bureaus. It would be impossible to say how much your score will go up but some members have seen their credit score improve by more than 50 points. Please note that each individual has a unique credit report and we cannot make any guarantees as to your specific score improvement. To get the maximum increase to your score we recommend always making your payments on time for your secured card and never spending more than 30% of your card limit each month.

That's right :) We want our service to be accessible to everyone and that means no hard credit inquiry when you apply and no credit score requirement for approval. You use your own money to fund your deposit to open your secured credit card and as a result there are no strict credit requirements. You may not be approved for a secured credit card if you have an active bankruptcy. In select situations the issuing Bank may request a copy of your Drivers License and a utility bill or bank statement to verify your identity.

Credit Builder Card is a secured credit card marketplace. Based on the state you live in, we match you with a secured credit card that has a low $200 security deposit and reports to all 3 credit bureaus. Our mission is to help our users build credit and reach their financial goals while avoiding credit cards that charge interest rates over 30%, high annual fees and application fees.