Initial deposit amounts are low, starting at only $100. Your credit limit will be equal to the amount of your deposit.
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.
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.**
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.
Yes, you read that right — no application fees and no annual fees.*** Your wallet will thank you.
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.
*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.