THE
PERPAY CREDIT CARD¹

Access and build credit without the stress of an annual fee² or hard credit check. Swipe anywhere Mastercard is accepted.

Apply now

BUILD CREDIT & EARN REWARDS

A simple way to access credit and build a better financial future

Small, effortless payments are made automatically from your paycheck whenever you get paid with direct deposit.

Credit building simplified

Build credit with your direct deposit. Payments from your paycheck can help maintain low utilization and build account history.

Earn 2% rewards³³ on every payment

Earn rewards and a personalized Spending Limit to shop top brands in the Perpay Marketplace.

HEAR WHAT PEOPLE ARE SAYING

"THE BEST PART IS NO [HARD] CREDIT CHECK...

I just want to build up my credit and they were the first ones to ever accept me.” - Theodore

“THE PERPAY CREDIT CARD IS AMAZING ...

It was easy to use, quick and easy to get signed up, and payments come out of my weekly pay.” - Crystal

“I DON’T HAVE TO STRESS ABOUT MISSING PAYMENTS...

and I can make purchases anywhere with the credit card, which is nice.” - Charles

HEAR WHAT PEOPLE ARE SAYING

"THE BEST PART IS NO [HARD] CREDIT CHECK...

I just want to build up my credit and they were the first ones to ever accept me.” - Theodore

“I DON’T HAVE TO STRESS ABOUT MISSING PAYMENTS...

and I can make purchases anywhere with the credit card, which is nice.” - Charles

“THE PERPAY CREDIT CARD IS AMAZING ...

It was easy to use, quick and easy to get signed up, and payments come out of my weekly pay.” - Crystal

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¹ The Perpay Credit Card is subject to credit approval. Not available to residents of New Hampshire. The Perpay Credit Card is powered by Deserve, Inc. and issued by Celtic Bank.
‍² Annual fee: None. Monthly card servicing fee of $9. APR 29.49%. This will vary with the market based on the Prime Rate.
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³ Earn rewards each time you make a payment towards your balance on the Perpay Credit Card. All rewards are earned in the form of Perpay Marketplace credits. See our Perpay Credit Card Rewards Program Terms for more details.