Get the app

Build credit with no interest

  • Fast approvals with no credit checks

  • Reports to all 3 credit bureaus

  • $1 minimum deposit

Join millions of Cleo subscribers

217K+ ratings on
App Storeand
Google Store

Cleo Card does the work. You take the credit.

The Cleo Card1

Whether you’ve been overlooked by traditional credit cards or simply want to avoid the burden of credit card debt, with the Cleo Card you can build credit with a no interest, no credit check secured card.

Use your own money to build credit

Set a credit limit with a deposit that works for you. Then use your Cleo Card just like any other card. At the end of the month, your balance gets paid off using that same deposit—so it’s really hard to miss a payment, and every repayment helps strengthen your credit score.

Stay in the know with credit coaching

Get real-time updates on your credit score and personalized tips to help you improve it. Know exactly where you stand and how to level up.

Set it and forget it

With autopay enabled, your balance is paid off automatically each month using your deposit (this is what builds your credit).

Join the millions of Cleo subscribers who are building a life beyond their next paycheck.

Send your credit score to work

What our users are saying2

Cleo is an amazing app that has helped me build my credit score in just a few months. The app is incredibly user-friendly and easy to navigate, and the personalized recommendations have been spot-on.

Lilq22App Store

This app has increased my credit score by 188 points in like less than 3 months.

Ivy_App Store

Because of Cleo I feel comfortable checking my credit scores. Cleo made staying on top of finances and budgeting more fun unlike those big name banks!

Kyle HApp Store

How it works

Send your credit score to work

  1. 01

    Apply for the Cleo Card

    No credit score or credit check necessary—this credit building card is built for beginners.

  2. 02

    Add cash to your security deposit

    You can either transfer cash or set up direct deposits ($1 minimum). What you add will become your limit, so it’s really hard to miss a payment. We would say impossible, but our lawyers said we can’t.

  3. 03

    Spend spend spend

    Use your Cleo Card on recurring bills, groceries, gas, or wherever Visa is accepted. You can also add your card to your Apple Pay wallet.

  4. 04

    Build your credit over time

    Autopay your balance or use your security deposit. Cleo then reports your payment history to credit bureaus: Experian, TransUnion and Equifax. Over time, on-time payments should help your credit score.

Security

Bank-level 256-bit encryption

Your bank login details are never stored.

When Cleo needs to connect to your bank, we use Plaid to securely transfer your data using the latest security technology.

No third-party tracking

We never sell your data to third parties. Period.

$250,000 FDIC insurance

Card security deposits are protected by FDIC insurance provided by Cleo’s bank partner, WebBank, member FDIC.

FAQ

Still have questions? Find answers below.

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1 Cleo Card issued by WebBank, Member FDIC. Subject to approval.

2 Reviews provided by Customer to Cleo AI Ltd d/b/a Cleo. Individual results may vary.