Build Credit


Apply for your Credit Builder Card*in 3 minutes and start living your best credit life.

Meet the Credit Builder Card

This little beauty is designed to help build your credit history. There's no interest or credit checks either.

Why is Building Credit Important?

People look at your credit score to determine how much they can trust you. So it really matters whenever you do things like:

Apply for a new apartment

Buy a home. (Spoiler: A good credit score can save you $1000s )

Buy or lease a car

Interview for a job. A lot of employers will include a credit check as part of the hiring process

Account screen showing the money available on the credit builder card.

Building credit
can be hard

That’s why we’ve kept our builder subscription reeeeal simple. We designed your card so that all you need to do is add a few bucks to your security deposit (which becomes your credit limit) and spend like normal. Literally.

For $14.99 a month you’ll get a Cleo Builder subscription that unlocks your card, cash advances**, cashback rewards**, and priority support for your credit journey.

You can read more about it here.

Safety first

Each month, you’ll never spend more than what’s in your security deposit, which makes it really hard to miss a payment or go into debt. (We would say impossible but ya know…lawyers.)

Small steps add up

At the end of the month, Cleo reports your payment history to credit bureaus. Over time, on-time payments should help your credit score.

HOW TO Get your Credit Builder Card


Download the Cleo app


Type 'Credit Builder' to Cleo


She’ll help you apply and direct you to add money to your security deposit


Start spending and building credit in the process

How to
play your
card right

Add some cash

The amount you put in your security deposit becomes your credit limit. So actually transferring some cash there is important. There's a $1 minimum deposit and you’re good to spend everything you transfer, as utilization is not reported.

You can

  • Add money to your security deposit when you're paid

  • Check your balance in the Cleo app

Go shopping
(yep, we said that)

You don’t have to go wild or anything but the main purpose of the card is to build your credit score, so you do have to use it to remind the credit people that it exists.

You can

  • Pay off your card once a month using autopay or your direct deposit

  • Add bills or subscriptions so you drop the life admin and spend automatically

Use your bills

Pay your bills with your credit builder card and invest in your credit future while staying on top of things. Win win.

You can

  • Keep carefree credit building on

  • Set up bill reminders

  • Add your bills to your Cleo budget, she’ll keep you on the straight and narrow

Track your score

A magnificent credit score does not happen overnight, but eyeballing your score now and then definitely doesn’t hurt. It means if there are changes you know what’s happened, why it happened and what you can do to get back on track.

Things you can do

  • Keep track of your credit score in the borrow tab

  • Explore your score over time and see how it’s changed from month to month

App store
56.3k Ratings
Google Play
21.4K Ratings
I looked into it and thought, well Cleo helps me in other ways anyway, and I'm looking to rebuild my credit.
App store review
Um, a card that would help me build my credit just by putting money in it and using it to make purchases? Not everybody is perfect and my credit could use a little help.
App store review
When you first told me about the credit builder card I was like yes, I need this, because I do have bad credit.
App store review
To add a certain amount on the card and be able to pay all those expenses off of one thing – Cleo gives it all and I like to be able to have one place to go.
App store review


Cash advance**

Cleo can spot you up to $120 for bills

Cash back**

Spend money in some of your favorite stores, get a little back

Priority support

Not that you’ll need it though. You’re good at spending your money

The credit builder card with your credit score in app.

Ready to live your best credit life?

* The Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval.
** “Cash/Salary Advance” and “Cashback Rewards” are features of the Cleo Builder Subscription and not the Credit Builder Card. The “Card Cash Advance” is a feature unique to the Credit Builder Card and allows you to advance cash at an ATM. The Card Cash Advance is subject to a $2.50 fee per transaction plus any fee that may be charged by the ATM or Bank. This feature is only available to holders of the Credit Builder Card.