BUild credit
with 0% apr

  • Apply for the Credit Builder Card1
  • Unlock emergency cash coverage 
  • Access your paycheck up to 2 days early
Start carefree credit building

⭐ ⭐ ⭐ ⭐ ⭐   
130k+ ratings on the App Store and Google Play
Over 5 million users

Credit… Meet the
Cleo Credit Builder subscription
When you subscribe to Cleo Credit Builder, you’ll unlock: 
Credit… Meet the
Cleo Credit Builder subscription
When you subscribe to Cleo Credit Builder, you’ll unlock: 

THE CREDIT builder  card1

This credit building card has no interest and no credit checks. It’s designed to help beginners build credit without debt.


Can’t make it to payday?  Set up direct deposits and access your paycheck up to 2 days early2.


Get up to a $500 cash advance3 when you set up direct deposits. Use it for whatever you need: vet visit, parking ticket, overweight luggage. No direct deposits? We still got you up to $2703. 

priority support

Not that you’ll need it, but our people are your people. 

Join 5+ million users who are building a life beyond their next paycheck.
Send your credit score to work

What are our users saying?4

Cleo is an amazing app that has helped me build my credit score in just a few months. The app is incredibly user-friendly and easy to navigate, and the personalized recommendations have been spot-on.”
—  Lilq22
⭐ ⭐ ⭐ ⭐ ⭐
App Store
This app has increased my credit score by 188 points in like less than 3 months.”
— Ivy_
⭐ ⭐ ⭐ ⭐ ⭐
App Store
Because of Cleo I feel comfortable checking my credit scores. Cleo made staying on top of finances and budgeting more fun unlike those big name banks!”
— Kyle H
⭐ ⭐ ⭐ ⭐ ⭐
App Store


Apply for the Credit Builder Card1
No credit score or credit check necessary—this credit building card is built for beginners.
Add cash to your security deposit
You can either transfer cash or set up direct deposits ($1 minimum). What you add will become your limit, so it’s really hard to miss a payment. We would say impossible, but our lawyers said we can’t.
Spend spend spend
Use your credit building card on recurring bills, groceries, gas, or wherever Visa is accepted. You can also add your card to your Apple Pay or Google Pay wallet.
Build your credit over time
Autopay your balance or use your security deposit. Cleo then reports your payment history to credit bureaus: Experian, TransUnion and Equifax. Over time, on-time payments should help your credit score. 


Bank-Level 256-bit Encryption
Your bank login details are never stored.

When Cleo needs to connect to your bank, we use Plaid to securely transfer your data using the latest security technology.
No third-party tracking 
We never sell your data to third parties. Period.
$250,000 FDIC insurance
Direct deposit and card security deposits are protected by FDIC insurance provided by Cleo’s bank partners, WebBank and Thread Bank, members FDIC.
Still have questions? Find answers below.
What is a secured credit building card?
Why is good credit important?
Are build credit cards the same as regular credit cards?
What is the credit limit on the Credit Builder Card?
When does Cleo report to the Credit bureaus?
What does Cleo report to the Credit bureaus?
What doesn’t Cleo report to the credit bureaus ?
What age do I need to be to apply for the Credit Builder Card?
Do I need to be a US citizen (or resident of a particular state)?
1 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.

2 Cleo is not a bank. Direct deposit banking services provided by Thread Bank, Member FDIC. Early access to direct deposit funds not guaranteed, timing may vary.

3 Cash advance provided by Cleo. Eligibility requirements apply. 

Reviews provided by Customer to Cleo AI Ltd d/b/a Cleo. The comments above are related to individual experiences or results. Individual results may vary.