The power to build your credit

The power to build your credit

No credit check to apply
No annual fee

Open a GO2bank account and receive eligible direct deposits to apply1

No credit check to apply
No annual fee

Open a GO2bank account and receive eligible direct deposits to apply1

Already have a GO2bank account?
Log in to learn more

Already have a GO2bank account?
Log in to learn more

The power to build your credit

The power to build your credit

No credit check to apply
No annual fee

Open a GO2bank account and receive eligible direct deposits to apply1

No credit check to apply
No annual fee

Open a GO2bank account and receive eligible direct deposits to apply1

Already have a GO2bank account?
Log in to learn more

No credit check

No credit check or impact to your credit when you apply.1 Good credit not required.

Set your limit

Credit limit starting as low as $100

Start building credit

Credit use is reported to 3 credit bureaus

Check your progress

Free monthly credit score from VantageScore® powered by Equifax ®

How it works

How it works

Set up ASAP Direct Deposit™ on your GO2bank account Don’t have an account?

Receive direct deposits totaling at least $100 in the past 30 days

Easily apply for a GO2bank Secured Credit Card within the app1

Make a one-time refundable security deposit of at least $100 to set your credit limit

Start building credit with responsible use over time!

Make an initial refundable security deposit of at least $100 to set your credit limit

Start building credit with responsible use over time!

 

Building credit with GO2bank Secured Credit Card

Your security deposit

Your security deposit shows your commitment to building or rebuilding your credit and sets your credit limit (as low as $100). It’s fully refundable if you close your account and pay off your outstanding balance.

Effectively using credit

Responsible use of your card is key to building credit. Using your card for purchases you know you can pay off, and making payments on time that keep your balance low can help your credit standing.

Managing your account

The GO2bank app makes managing your card account simple. Check your balance and available credit, view transactions, make payments, monitor your credit score and more from the palm of your hand.

Credit score and credit reporting basics

Credit score

Building credit and improving your credit score takes time. Your credit score is based on information in your credit report including your payment history, the amount you owe, your credit history, your applications for and use of new credit and the type of credit you use.

Credit reporting

GO2bank reports your credit standing to the three major credit bureaus every month. Credit standing includes if you make your minimum payment in full and on time and if your card balance is low. A history of good credit standing can help build your credit.

Benefits of credit

A good credit score can help you acquire more credit and obtain credit at better interest rates. Good credit can also help when applying for an apartment or a job and may reduce security deposit requirements on new loans or services.

Free VantageScore® powered by Equifax®
available on the GO2bank app