We offer a credit card specifically designed for college students who want to build their credit in a safe and empowering way. Our aim is to provide a transparent and fair credit card experience to help students build their credit history and financial independence without hidden fees or predatory lending tactics.

No, we do not charge any annual fees. We only charge a monthly subscription fee, which varies depending on the credit limit option you choose.

If you choose the Build plan, you pay $4 a month for a fixed $200 credit limit. If you choose the Build + Expand plan, you pay $7 a month for a credit limit that ranges from $350 - $1,000.

That's it! No hidden fees, no interest rates, and no annual fees.

We've built a simple subscription structure with no hidden fees. Here are the fees associated with this card:

Monthly subscription fee:
Build Plan: $4 a month. Credit limit is $200
Build + Expand Plan: $7 a month. Credit limit ranges from $350 - $1,000.

Both options come with minimum 1.25% cash back on all purchases.

Late payment fee: None.
Cash advance fee: N.A. We don't allow cash advance.
Overlimit fee: N.A. We don't allow you to exceed the card limit.
Balance transfer fee: N.A. We don't allow balance transfer.
Returned payment due to insufficient funds fee: $35. (Because if this happens, we'll get charged by your bank!)

So, the only fee you'll need to pay is the monthly subscription fee associated with your chosen credit limit option.

No, we don't offer checking or savings account services at this time.

No, this is not a debit card. It is a credit card specifically designed for college students who want to build their credit in a safe and empowering way. With a our credit card, you can borrow money to make purchases and then pay back the borrowed amount over time, where other companies would typically charge interest but we do not. A debit card, on the other hand, is linked to your bank account and allows you to spend only the money you already have in your account.

No, this is not a prepaid card. It is a credit card specifically designed for college students who want to build their credit in a safe and empowering way. With a our credit card, you can borrow money to make purchases and then pay back the borrowed amount over time. A prepaid card, on the other hand, is a card that you load with your own money in advance and then use it to make purchases until the balance runs out.

Yes, we offer a minimum 1.25% cash back rewards for all purchases made with your card. Cash back rewards are auto redeemed at the end of each month's statement and will be applied to your account balance. Additionally, we may offer more cash back opportunities at participating merchants in the future.

Here's how cash back rewards work:

When you use your card to make purchases, you'll automatically earn minimum 1.25% in cash back rewards for all transactions.

Cash back rewards are then auto redeemed at the end of each month's billing cycle and will be applied to your account balance.

Sorry, we don't offer joint accounts at this time. Only one person can apply for a card.

Good question! A credit limit is the maximum amount of money that a credit card company will lend you. It's determined by things like your credit score, annual income, existing debts (like student loans) and more.

In the context of our card, a credit limit caps how much you can charge to your card so that you don't borrow more than you can pay back. Your credit limit is set when you apply for a card with us and is based on the information you provided such as your credit history and income for example.

Nope! We're focused on helping you grow your credit score and making progress towards any financial goals you may have. Neither of these can happen if you’re bogged down with crazy interest rates you can’t get ahead of.

To activate your card, please follow these steps once you land in the U.S:

1. Download & Open the app on your phone
2. Complete your application
3. Tap on the "Menu" button at the bottom of the app
4. Tap on "Activate Card"
5. Enter your card number
6. Enter your 3-digit CVV code
7. Enter your zip code
8. Tap on "Confirm" and your all set! Your card has been activated and is ready for immediate use.

No, your card can't be delivered to India. If you are approved, your physical card will arrive typically within 7-10 business days to your U.S. residential address.

Yes! You'll be asked to enter your address when you apply for a card and you can enter a different shipping address at that time. If you'd like to change your shipping address after you're approved, please contact support so that we can help with this.

If you have any questions or need further assistance, please don't hesitate to contact support. Tap on the "Contact Us" link in the app or call 1-844-638-6425, Mon-Fri 10am-7pm EST.