Build Credit

Your Best

It's never too early to start working on your score – so we've made it easy

It's never too early to start working on your score – so we've made it easy

Credit Builder Card

STudents and recent graduates Can Get 33% off Cleo Builder

If you've never had a builder subscription before, just verify your student or recent graduate account below and get access to Cleo Builder features for $9.99/mo.

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Why do credit scores matter?

Your credit score is a number that tells lenders how likely you are to pay them back.

A good score will help you rent apartments, get better car deals, and save thousands on your mortgage. Which you will have one day. Dream big.

Learn why credit scores matter

What’s Cleo Builder?

Cleo Builder is a subscription that’s designed to help you build credit, avoid your overdraft and keep your finances in check. Specifically you’ll get to:

Unlock your credit builder card

Access cash advances up to $270*

Receive VIP Support

Earn cash back on your favorite brands*

Credit score coaching

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Hell yes there's more

Come for the credit building. Stay for the vibes.

Custom budgets


Weekly games and prizes

Roast mode (it’s spicy)


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What's the cost?

A subscription to Cleo Builder costs $9.99 a month.

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Is the Credit Builder Card Safe?

Whatever money you add to your security deposit  becomes your credit limit.

When that money’s gone, you have to add more to keep using the card, which makes it really hard to overspend.

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Is it right for me?

Obviously we're going to say yes.

But if you subscribe to Cleo Builder and then change your mind, it's super easy to cancel.

Cleo Credit Builder Card

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.