Build your credit the smart way
With the NerdUp by NerdWallet card, you don’t need credit history to build credit history. There’s no interest, no annual fees, and no catch-22. Start building your credit today.
Get the nerdup by nerdwallet card
No credit history needed
No credit history needed
NerdUp card

Just a few noteworthy features

No interest or annual fees
No credit history needed
Low minimum deposit of $100
1% cashback on all purchases

How the NerdUp by NerdWallet card works

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Make an initial deposit

Initial deposit amounts are low, starting at only $100. Your credit limit will be equal to the amount of your deposit.

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Increase your credit limit at any time

Add to your deposit and increase your credit limit whenever you need.* Bonus — you can use your cash back rewards to pay down your balance.

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We’ll help you build up your credit

Make regular, on-time payments and your score will build over time. This shows credit bureaus that you can spend responsibly and contributes to a healthy score.**

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No credit history needed

Only an identity check is required to apply for the NerdUp by NerdWallet card (just to make sure you’re really you). Once you’re approved and make a deposit, you can start using your digital card right away.

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No application or annual fees

Yes, you read that right — no application fees and no annual fees.*** Your wallet will thank you.

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Earn 1% back on all of your spending

Get rewarded for all of your purchases, big and small. Use your cash back credit to pay down your statement balance — you’ll spend and earn at the same time.

Get the NerdUp by NerdWallet card
No credit history needed
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on NerdWallet's website
Get the NerdUp by NerdWallet card
No credit history needed
No credit history needed
Frequently asked questions
Your NerdUp by NerdWallet account activities will be reported to all 3 major credit bureaus (TransUnion, Equifax, and Experian), so you can grow your credit history. Over time, your good habits, such as consistently making payments on time, can lead to higher credit scores.
You control your credit limit by adding money to your secure deposit account, from $100 to $10,000. Money transfers in and out of your account are simple using Plaid-connected accounts or bank transfer, so you stay in control of your money.
Application and approval requires no credit check and typically takes just a few minutes. After that, you can add funds to your secure deposit account. Since your card details are available in the app immediately, you'll be able to use your card online as soon as it's funded! Your physical card will arrive in the mail 7-10 business days after approval.
Unlike many secured cards, the NerdUp by NerdWallet card gives you 1% cash back on all purchases. It has no annual fee, no monthly fee, no purchase surcharges, and low fees of $5 for late and returned payments and $3 for cash advances and ATM withdrawals. The NerdUp card is a smart and responsible financial tool that delivers value to cardholders.
The NerdUp by NerdWallet card works on the Mastercard network as a charge card and at ATMs for cash advances, including over 37,000 surcharge-free ATMs on the MoneyPass network.

*Your maximum credit limit is $10,000. Any deposits above this amount will not increase your credit limit beyond $10,000.

**Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report

***There are instances when cardholders will be assessed a fee, including but not limited to ATM withdrawals, cash advances, returned payments, or late payments. See your cardholder terms and conditions for details.

Bank services offered by Evolve Bank & Trust, Member FDIC. The NerdUp by NerdWallet Credit Card is issued by Evolve Bank & Trust pursuant to a license from Mastercard International, Inc.

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