Credit Card
Perpay Credit Card
Finally, a card that actually works for you
The first unsecured credit card 1 powered by your paycheck that helps you pay down your balance.
Access up to a $1,500 starting credit limit
Be considered for a higher credit line in as few as 3 months.
Build credit & earn rewards
Earn 2% rewards 2 on every payment and strengthen your credit history across the 3 major credit bureaus.
How it works
1. Apply
Receive your credit limit in as little as 60 seconds.1](/content/credit-card#w-tabs-0-data-w-pane-0/index.html)
2. Connect your payroll
Automatically make your first payment the next time you get paid.4](/content/credit-card#w-tabs-0-data-w-pane-1/index.html)
3. Receive your card
Once we receive your first payment, your card will get shipped to you.](/content/credit-card#w-tabs-0-data-w-pane-2/index.html)
4. Buy what you want & need
Swipe your card wherever Mastercard is accepted.](/content/credit-card#w-tabs-0-data-w-pane-3/index.html)
5. Sit back and relax
Each time you get paid, your direct deposit payment automatically4 goes toward your balance and can help build your credit.](/content/credit-card#w-tabs-0-data-w-pane-4/index.html)
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Key benefits
Apply in as little as 60 seconds without impacting your credit score5
Build your credit 3
with automatic payments from your paycheck.4
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Access up to a $1,500 starting credit line
2% rewards
Earn rewards on every payment to shop top brands in the Perpay Marketplace.2
Join the millions of Perpay members who see their paycheck differently
"I love this it made my credit increase over 50 points and the order was fast"
3carter
"Beyond happy with all my products, not to mention my credit score has gone up almost 70 points in 6 months!!"
deepseeper
"BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend."
Bluemegatron85
"I love perpay!!! Everything was delivered fast and customer service is great!"
Jose D
"I love perpay. Very fast shipping. Great prices."
Anthony Stephenson
"My credit has improved a LOT since starting this program! Customer service is always super helpful and friendly!"
shaywill210515
"Absolutely amazing I got a credit card through them and everything's a legit great experience."
Thomas Horton
"One of the best programs out there. Never have to worry about remembering a payment, fast shipping and pricing is realistic."
Darkpegs Gaming
"Great variety... Bought great high-end products that I otherwise would not be able to get."
Kristi Krawczyk
"This is legit!! It was easy to sign up and easy to purchase items!"
Miss Duncan
1 The Perpay Credit Card is subject to credit approval. Not available to residents of New Hampshire, Vermont, or the U.S. Territories. The Perpay Credit Card is issued by Celtic Bank. The Perpay Credit Card is an unsecured credit card with eligibility requirements such as ongoing payroll direct deposits. See our Direct Deposit Terms and Cardholder Agreement for more information.
2 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.
3 On-time payment history can have a positive impact on your credit score. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make on time payments by the payment due date 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. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors. Perpay will report your transactions to Experian®, Equifax®, and TransUnion®. Credit score improvement is not guaranteed.
4 With automatic transfers enabled.
5 Applying for a Perpay Credit Card will not affect your FICO® or Vantage® scores. However, we may obtain information from Clarity which may affect your credit profile with this alternative credit bureau.