PERQS

Build Your Credit Score With a New Credit Card

Credit cards specifically designed for people working to improve their credit.

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Choose Your Card Type

Standard Cards

Most Common Choice

A traditional credit card with no deposit required, best for people with improving credit who want more flexibility.

Best for

Best if your credit is improving and you want a traditional card experience.

  • No upfront deposit required
  • Approval based on your current credit profile
  • May offer additional member benefits or rewards
See Standard Cards

Secured Cards

Easiest to Get Approval

A credit-building card that uses a refundable deposit as your credit limit, making approval easier.

Best for

If approval certainty matters and you’re rebuilding from recent challenges or establish credit from scratch.

  • Refundable security deposit sets your limit
  • Easier approval with limited or damaged credit
  • Designed to help build positive payment history
See Secured Cards

Standard Cards

Credit Cards to Keep Building Your Credit

Unsecured credit cards designed for people with less-than-perfect credit who are ready for more flexibility.

Milestone® Mastercard® - $1,000 Credit Limit

Milestone Mastercard
  • Guaranteed $1,000 credit limit if approved

  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms

  • Don’t Have Perfect Credit? No Problem!

  • Join over a million consumers who are working on building their access to credit.

  • Zero Fraud Liability — Peace of mind that comes with having a Mastercard.

  • Get the credit you deserve, even with less-than-perfect history.

  • No security deposit, and a path to better credit.

*The Milestone Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard. Applications are subject to issuer review and approval.

Destiny® Mastercard® - Up to 3% Cashback Rewards

Destiny Mastercard
  • A rewards card for people with less-than-perfect credit!

  • Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!

  • A guaranteed $700 credit limit to help you build access to credit, if approved.

  • With Cashback Rewards, you get to live like an A-lister.

  • Zero Fraud Liability—Peace of mind that comes with having a Mastercard

  • Join over a million consumers who use the Destiny Mastercard to help build their access to credit.

  • No security deposit required—get started today!

*The Destiny Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard. Applications subject to issuer review and approval. See application for complete Cashback Rewards terms.

Indigo® Mastercard® - $1,000 Credit Limit

Indigo Mastercard
  • Get the credit you deserve—$1000 guaranteed if approved

  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.

  • Get the credit you deserve, even with less-than-perfect history.

  • Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.

  • Zero Fraud Liability—Peace of mind that comes with having a Mastercard.

  • Don’t Have Perfect Credit? No Problem!

  • No security deposit, just purchasing power.

*The Indigo Mastercard is issued by Celtic Bank pursuant to a license from Mastercard. Applications are subject to issuer review and approval.

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Secured Cards

Credit Cards for Establishing or Rebuilding Credit

Secured cards use a refundable deposit to make approval easier while helping you establish positive credit history.

Self Visa Credit Card

The Card for Credit Builders.

No Credit Check or Credit Score Required.

The Secured Self Visa® Credit Card

Build today — unlock more tomorrow. The secured Self Visa® Credit Card helps you build credit history through everyday purchases, with on-time payments reporting to all three major credit bureaus. There are two ways to get it. If you have $100 today, fund your deposit right away through ACH or debit and start building immediately. If you don’t, you can work toward it through a Credit Builder Account¹ — building savings and credit history along the way until you qualify.

Start building credit with a secured card that reports to all three major credit bureaus.

$0 intro annual fee for the first year only, for new customers only, $25 thereafter2

Secure your credit line with a refundable security deposit - as low as $100.3

Use your card anywhere Visa® is accepted in the U.S.

Get Started

Self is not a bank. The Secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

1 Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to approval.

2 $0 intro annual fee for the first year only, for new customers only, $25 thereafter. Variable APR of 27.49%.

3 Deposits are returned upon account closure after settling outstanding balances.

PERQS Sponsors

PERQS is a proud partner of top financial services brands.