# Credit building made easy - Build credit interest-free with the secured Boost Money™ Card [2](/content/boost-money/credit-builder/#funding-spend-account/index.html) - No annual fee or minimum deposit [1](/content/boost-money/credit-builder/#boost-money-card/index.html) - Credit score monitoring, tools, alerts ## How the Boost Money™ Card Works Build credit while using your secured card responsibly! [2](/content/boost-money/credit-builder/#funding-spend-account/index.html) ### 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](/content/boost-money/credit-builder/#boost-money-card/index.html) ### 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](/content/boost-money/credit-builder/#funding-spend-account/index.html) ### Watch Your Score Grow Your secured card activity plus on-time payments can help boost your credit score [2](/content/boost-money/credit-builder/#funding-spend-account/index.html), 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](/content/boost-money/credit-builder/#funding-spend-account/index.html) ## 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](/content/boost-money/credit-builder/#bankrate-minimum-security-deposit/index.html) - High interest rates [4](/content/boost-money/credit-builder/#lendingtree-high-interest-rates/index.html) - 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](/content/boost-money/credit-builder/#funding-spend-account/index.html) ## 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](/content/boost-money/credit-builder/#credit-health-tool-score-simulator/index.html) ### 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](/content/boost-money/credit-builder/#credit-score-vantagescore-model/index.html) ### 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](/content/deposit/?pdc=DEP_CB_01/index.html)! ### 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](/content/boost-money/credit-builder/#boost-money-card/index.html). 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](/content/boost-money/credit-builder/#funding-spend-account/index.html) Unlike other traditional secured credit builder cards, the Boost Money™ Card [1](/content/boost-money/credit-builder/#boost-money-card/index.html) 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](/content/boost-money/credit-builder/#boost-money-card/index.html) 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](/content/boostcasheligibility/index.html) 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](/content/credit-health/create-user/index.html).