Credit building made easy

• Build credit interest-free with the secured Boost Money™ Card 2
• No annual fee or minimum deposit 1
• Credit score monitoring, tools, alerts

How the Boost Money™ Card Works

Build credit while using your secured card responsibly! 2

Add Funds, Spend As Usual

Sign up for Boost Money™, fund your Boost Money™ Spend account, then spend up to the available balance on your Boost Money™ Card. 1

We Report To Credit Bureaus

We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. 2

Watch Your Score Grow

Your secured card activity plus on-time payments can help boost your credit score 2, putting you on the path to better financial opportunities.

Set it and forget it: build credit safely over time

Enable Safe Mode automatic payments to help ensure your payments are on-time each month and reported to the credit bureaus to help establish a positive credit history - so you don’t have to worry. 2

One of the best credit builder cards in the game

Boost Money™ Card

• No credit score needed to qualify
• No set limit - spend up to your Boost Money™ Spend available balance
• No minimum deposit
• No interest
• No late fees

Traditional secured credit builder cards

• Good credit score may be required
• Bank sets your spend limit
• $200 minimum security deposit 3
• High interest rates 4
• Late fees and other fees may apply

Why choose Boost Money™?

Our tools are designed to help you boost your money game - because your success is ours. Start building your credit today with responsible use! 2

Tools to Help You Succeed

Our Credit Health Tools are easy to sign up for, and designed to help you plan and track your progress with innovative features. 5

Updates & Alerts

Get alerts on changes to your credit score and track your progress.

Exclusive Insights

Access your VantageScore® 3.0 and educational resources. 6

Personalized Tips

Receive tips tailored to your unique credit history.

Credit Score Simulator

Visualize how different scenarios and actions may impact your credit with a data-driven tool that pulls information from your credit report.

Credit Health and Money Insights

Unlock your full credit score potential with a series of educational articles and resources

Credit Score vs. Credit Report: What's the Difference?](/content/credit-health/insights/credit-basics-credit-score-vs-credit-report/index.html)

6 min read

The Complete Guide to Understanding and Improving Your Credit Score](/content/credit-health/insights/complete-guide-to-credit-scores/index.html)

18 min read

5 Factors That Affect Your Credit Score](/content/credit-health/insights/affects-credit-score/index.html)

5 min read

FAQ

What do I need to apply for an Boost Money™ Card?

No credit score is needed to qualify. All you need is your personal information to submit an application for both a Boost Money™ Spend and Boost Money™ Card account, which work seamlessly together. Get started today!

Are there any fees for using the Boost Money™ Card?

There are no fees to apply, no annual fees, and there is no interest 1. There is no fee to use one of the 55,000 fee-free ATMs in the AllPoint® ATM network. ATM withdrawals outside the AllPoint® ATM network are subject to a $2.50 per withdrawal fee, which will increase your finance charge and APR.

How can the Boost Money™ Card help me safely build credit?

First add funds to your Boost Money™ Spend account. Then spend up to the available balance on your Boost Money™ Card.1 Enable Safe Mode automatic payments to help ensure your payments are on-time. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. 2

Unlike other traditional secured credit builder cards, the Boost Money™ Card 1 offers:

• No credit score needed to qualify
• No set limit - spend up to your available balance
• No minimum deposit
• No interest
• No late fees

How is the Boost Money™ Card different from traditional secured credit builder cards?

Unlike other traditional secured credit builder cards, the Boost Money™ Card¹ offers:

• No credit score needed to qualify
• No set limit - spend up to your available balance
• No minimum deposit
• No interest
• No late fees

What is the credit limit?

Unlike traditional secured credit builder cards, the Boost Money™ card doesn’t have a pre-set credit limit. After you add funds to your Boost Money™ Spend account, you can spend up to the available balance on your Boost Money™ Card. 1

It’s easy to see how much you can spend on your Boost Money™ Card. Just check your “Available to Spend” balance on the Boost Money™ Spend dashboard in the Upgrade app

Is the Boost Money™ Card available in every state?

While the Boost Money™ Card is available to eligible customers in most states, certain states are excluded. Please check our eligibility page to see the current list of states where the Boost Money™ Card is available. We are working to expand our state coverage.

How do I get started with the Credit Health tools?

After you sign up for Boost Money™, you’ll see a tile on the Directory in the Upgrade app prompting you to set up Credit Health. Or visit the Credit Health page for easy sign up.