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Top Offers
Secured Self Visa® Credit Card¹
- The Card with No Credit Check
- Build credit by making on-time payments and maintaining a low credit utilization ratio
Milestone® Mastercard® - $1,000 Credit Limit
- Guaranteed $1,000 credit limit if approved
- No security deposit, and a path to better credit
- Zero Fraud Liability
Card Offers
Merit Platinum Card
- $750 Merchandise Credit Line
- No Employment or Credit Check Needed
- Zero Sign-Up Fees
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Description
If you have less than perfect credit or no credit, then Merit Platinum is perfect for you.
Benefits
- $750 Merchandise Credit Line
- Start Shopping in Minutes!
- Zero Sign-Up Fees
- Bad Credit? No Credit? You’re Welcome!
- No Employment or Credit Check Needed
- Fast, Easy Application
Find The Card for You
- Cards for Every Credit Score
- See if you’re eligible with no impact to your credit
- Compare Top Card Offers and Apply Online!
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Description
Need a card? We can help. Find the card that’s right for you in seconds—with no impact to your credit score!
Benefits
- Cards for every credit score
- See if you’re eligible with no impact to your credit
- Get personalized card offers in seconds
- Compare your offers and apply with confidence
PREMIER Bankcard® Mastercard® Credit Card
- Pre-qualify with no impact to your credit score
- Start building credit by keeping your balance low and paying all your bills on time each month
- Award-winning, U.S.-based customer service
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Description
Helping people build credit is our first priority – start your credit-building journey today. Start building credit by keeping your balance low and paying all your bills on time each month.
Benefits
- Pre-qualify with no impact to your credit score
- We report monthly to the Consumer Reporting Agencies to help you build your credit
- Award-winning, U.S.-based customer service
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Destiny® Mastercard® with Instant Credit
- Guaranteed $700 credit limit, if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Trusted by more than 1 million customers
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Description
The Destiny Mastercard provides an opportunity for those with imperfect credit.
Benefits
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
Walmart MoneyCard
- 3% cashback at Walmart.com, 2% at fuel stations, 1% in-store, up to $75 each year*
- Get your pay up to 2 days before payday with free Direct Deposit™
- Unlock overdraft protection up to $200–opt in with eligible direct deposit
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Description
The Walmart MoneyCard just keeps getting better!
Benefits
Get your pay up to 2 days before payday
With free ASAP Direct Deposit™, you can stop waiting for Friday & make payday Wednesday.
Bank on your schedule
Skip a trip to the bank & manage your money from the palm of your hands with the MoneyCard app.
Unlock overdraft protection up to $200
Opt in & enjoy coverage levels for purchase transactions based on your eligible direct deposit.
Save more with no monthly fees
No monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.
Disclaimers
*Up to $75 per year. Subject to eligibility. Redeem rewards upon each anniversary of opening the account, using our website or app. See Deposit Account Agreement.
Current Build Visa® Credit Card
- Credit for everyone – Regardless of your credit history!
- Get paid up to 2 days faster – Using Direct Deposit*
- Reports monthly to all three major credit bureaus
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Description
Current Build Card has made credit building simpler, safer, and smarter so now you can get credit for the banking you do everyday.
Benefits
- Credit for everyone – Regardless of your credit history!
- Get paid up to 2 days faster – Using Direct Deposit.*
- Reports monthly to all three major credit bureaus.
- Build credit not debt.
- Grow your savings – Earn up to a 4.00% Bonus on Savings Pods**
- View Product Disclosures
Disclaimers
Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current deposit account required to apply for the Current Visa® secured charge card. Independent approval required.
*Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
**Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00% with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.
Credit Repair
Denied For A Loan?
- Often caused by a low credit score
- 1 in 5 credit reports contain credit lies
- We help to set the record straight and fight for your credit reputation
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Description
Did you know that 1-in-5 people have lies on their credit report? These lies can range from small oversights to major blunders, which can lower your credit score and prevent you from qualifying for personal loans, mortgages, and auto loans. Low scores also limit your ability to secure credit cards with the most favorable terms and interest rates.
Lexington Law is committed to fighting for every consumer’s right to an accurate, fair and substantiated credit report, including yours.
Benefits
- Find out if you have unfair or incorrect negative items on your credit report for FREE
- Receive recommended credit improvement action steps
- Since 2004, Lexington Law Firm clients saw over 83 million items removed from their credit reports
The Credit Pros
- Need Help Fixing Your Credit? Ask the Pros!
- Join for FREE!
- See an improvement in your credit score in a little as 2 weeks!* Results may vary
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Description
Need Help Improving Your Credit? Just Ask the Pros! See an improvement in your credit score in a little as 2 weeks!* Top rated credit remediation counseling service since 2009, trusted by over 1 million customers.
Benefits
- #1 Ranked & Trusted Credit Repair Service
- Instant Access to all 3 Credit Reports
- Free Credit Consultation via Phone & Chat
- Unlimited Disputes of Questionable Items
- Improve Credit with a $5,000 Tradeline
- Build Credit – We report your payments
- 60 Day Satisfaction Guarantee
Disclaimers
*Results may vary.
Credit Building
Klover
- Short on cash? Access up to $250* with no credit check or late fees!
- Instantly* access up to $250* before payday
- No credit check, No interest, No late fees
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Description
Short on cash? Access up to $250* with no credit check or late fees!
Benefits
- Instantly* access up to $250* before payday. We say “Yes” when others say “No”
- No credit check
- No interest
- No late fees
Disclaimers
*Not all users will qualify. Advances range from $25-250, avg advances $93. Express transfer fees may apply.
MAGNUM – Credit Builder Account
- 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 low monthly payments
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Description
MAGNUM helps you build large amounts of credit. Build $2,000 to $30,000 of credit starting at low monthly payments. No hard credit pull. Reports to all 3 bureaus. Members pay over time with easy, automatic payments from their paycheck.
Benefits
- 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 low monthly payments
- 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
Disclaimers
*Individual results may vary, terms and conditions may apply.
Arro Mastercard® Credit Card
- Start with a $50-$200 credit limit, grow up to $2,500
- 1% cash back on gas & groceries, including Walmart & Target
- Soft credit check only
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Description
Apply in 5 minutes or less with no hard credit check.
Benefits
- Start with a $50-$200 credit limit, grow up to $2,500
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit by completing financial lessons in the Arro app
- Build your credit with reporting to all 3 credit bureaus
Disclaimers
The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Privacy Policy.
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Kikoff Credit Builder
- Discover a hassle-free way to boost your credit with Kikoff!
- No hidden fees, just transparent steps to a better credit score
- Instant approval decisions, no credit check needed
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Description
Kikoff Credit Builder is a way to increase your credit and achieve your financial goals! No credit check, no hidden fees—just a straightfoward path to a brigher financial future. Take charge of your credit journey and unlock new possiblities. Start building the credit you deserve with Kikoff today!
Benefits
- 58 average point increase for those with scores under 600*
- No credit check or Pre-Qualifications Required
- 0% interest
- Reports to Major Credit Bureaus
Disclaimers
*Credit Score Increase: Based on Kikoff customers that used the Credit Account product and made consistent on-time payments during account lifetime. This data is based on observed VantageScore 3.0 credit score changes. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.
Firstcard® Secured Credit Builder Card
- No credit checks or history required
- 0% APR
- Reports to all 3 credit bureaus
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Description
Credit building for all. When other banks reject you, we’re the first to believe in you. Build credit faster with Firstcard.
Benefits
- No credit history? No problem — start building today.
- Open a credit card and bank account in minutes, all in one app.
- Earn cashback while you spend and grow savings while you save.
- Designed for everyone — no matter where you’re from or where you’re headed.
- Join the movement to democratize credit and take control of your financial future.
Banking
A better way to build credit!
- Start improving your credit scores with everyday purchases and on-time payments* with the Secured Chime Credit Builder Visa® Credit Card+
- No annual fees and no credit checks to apply
- No minimum security deposit^
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Description
The modern banking solution for hassle-free finances. Say goodbye to hidden fees and hello to a seamless banking experience with no overdraft charges or monthly maintenance fees. Take control of your money with Chime and enjoy easy mobile banking.
Benefits
- Fee-Free Banking: Say goodbye to unnecessary fees and overdraft charges.
- Early Direct Deposit: Get paid up to two days early and access your funds sooner.
- Automatic Savings: Effortlessly save money with each transaction and watch your savings grow.
- Real-Time Transaction Alerts: Stay informed with instant notifications about your spending.
- Seamless Integration: Connect with popular money management apps and services for easy financial tracking.
- Enhanced Security: Rest easy knowing your money is protected with advanced security measures.
Simplify your banking and take control of your finances with Chime. Sign up now for a better financial future.
Disclaimers
*On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
^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 money you can use to pay off your charges at the end of every month.
+The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Chime Checking Account and qualifying direct deposit required to apply.
GO2bank
- 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
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Description
GO2bank is the destination for simple, seamless mobile banking and payment solutions designed to help people save time and money, and live life more comfortably. At GO2bank, our goal is to give you the access, support, features and rewards you need to achieve your goals and breathe easy.
Benefits
- 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.*
Disclaimers
*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.
Cleo
- 0% interest – Get up to $250¹ in cash advances with no interest
- No credit check required
- Smart budgeting & savings²
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Description
Cleo is your smart financial assistant, offering cash advances up to $250¹ with no credit checks— helping you stay on top of your finances.
Benefits
- 0% interest – Get up to $250¹ in cash advances with no interest.
- No credit check required – Your eligibility is based on factors like your income, not your credit score.
- Smart budgeting & savings² – Cleo helps you manage your money and build better financial habits.
Disclaimers
¹Cash/Salary Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Same day transfers subject to express fees. You may also request a Cash/Salary Advance without subscribing by contacting team@meetcleo.com
²The Cleo Grow subscription service offers users savings goals, hacks, challenges, and access to an annual percentage yield (APY) on savings.
Other
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Description
Flexible Buy Now, Pay Later – Split purchases into 4 easy, interest-free payments over 6 weeks¹
Benefits
- Accepted Anywhere Visa Is – Use your Virtual Sezzle Visa Card online or in-store wherever Visa is accepted²
- Build Credit While You Spend – Eligible Sezzle Anywhere subscribers can opt into credit reporting to help build credit history
- No Hard Credit Checks – Get started with Sezzle without affecting your credit score³
- Exclusive Perks with Sezzle Anywhere – Subscribers enjoy upgraded limits, access to the Virtual Card, and more shopping power
Disclaimers
¹ Payment options are offered by Sezzle and subject to approval. Not all purchases are eligible. Late fees may apply if payment is not completed on time. See sezzle.com/user for terms.
² Virtual Card can be used wherever Visa is accepted, online and in-store. Some merchants may not accept virtual cards or may be restricted by Sezzle’s policies.
³ Applying for Sezzle does not impact your credit score. However, opting into credit reporting through Sezzle Up may affect your credit depending on your payment history.
Freecash
- Earn up to $300 weekly playing games and testing apps
- Sign up for free
- Popular games and apps
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Description
Get paid to play games! Freecash lets you play games, win prizes, and earn rewards like gift cards, crypto, and more. Play casual games you love, take surveys, make money, and earn cash rewards.
Benefits
- Earn up to $300 weekly playing games and testing apps
- Sign up for free
- Popular games and apps
Upside
- Earn every time you shop gas, grocery, or food with Upside’s free top-rated app
- Claim a cash back offer at a location near you
- Cash out your earnings directly to your bank account, PayPal, or a gift card
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Description
Make your dollars go further with cash back from Upside. Get more from every commute, meal time, and grocery trip.
Benefits
- Earn every time you shop gas, grocery, or food with Upside’s free top-rated app.
- Claim a cash back offer at a location near you.
- Make your purchase and pay with a credit or debit card.
- Cash out your earnings directly to your bank account, PayPal, or a gift card.
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Earn Extra Cash Today!
- KashKick pays you for playing games, taking surveys, and more!
- You can earn up to $500 your first week
- Cash out your earnings from as low as $10
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Description
Unlock endless rewards with KashKick! Join our platform and start earning cash and prizes today. Simply play games or take surveys. With KashKick, every activity pays off—literally. Join now and turn your spare time into extra cash effortlessly!
Benefits
KashKick pays you for playing games and more! It’s the easiest side hustle. Simply link your Facebook or PayPal and get started.
Dreambound
- Degree and certificate programs available
- Flexible payment options
- Earn a degree or certificate in healthcare, tech, and more
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Description
Find top-rated training programs near you with Dreambound. Earn a degree or certificate in healthcare, tech, and more.
Benefits
- Degree and certificate programs available
- Find associate and bachelor programs in healthcare, psych, and more
- Low cost job training – healthcare, tech, business, and more
- Financial aid for those who qualify
- Flexible payment options
- Fully online and evening classes available
A closer look at our partners
The CreditNinja experts have taken a close look at some of the top offers for our customers and are here to help you better understand what each one brings to the table. Before you accept an offer, it’s important to consider each offers strengths and potential drawbacks — so you can find the one that best fits your needs.
We break down how each offer stands out, making it easier for you to compare your options and choose confidently.
Best Card Offer
Milestone® Mastercard®
WHO'S IT FOR:
The Milestone® Mastercard® is designed for people who are building or rebuilding credit and want access to an unsecured credit card without a security deposit.
It’s a solid option for those looking to establish a credit history with responsible use, offering pre-qualification without a hard credit check and reporting to all three major credit bureaus.
Additional Details
Description
Milestone® Mastercard® is the credit card that gives you the opportunity to improve bad credit.
Benefits
- Guaranteed $1,000 credit limit if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don’t Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
Third-Party Offers Disclaimer: These offers are provided solely by third-party partners. Ninja HoldCo, LLC does not guarantee the accuracy or completeness of these offers, their terms, eligibility requirements, or compliance with applicable laws. By selecting the offer, you acknowledge that you will be directed to the partner’s website or application and agree that Ninja is not liable for the partners’ products, services, or marketing practices. Please carefully review all terms and conditions directly with the third-party partners before accepting any offer.