Credit building made easy

No credit score is needed to qualify. All you need is your personal information to submit an application for both a Boost Money™ Spend and Boost Money™ Card account, which work seamlessly together. Get started today!

There are no fees to apply, no annual fees, and there is no interest. There is no fee to use one of the 55,000 fee-free ATMs in the AllPoint® ATM network. ATM withdrawals outside the AllPoint® ATM network are subject to a $2.50 per withdrawal fee, which will increase your finance charge and APR.

First add funds to your Boost Money™ Spend account. Then spend up to the available balance on your Boost Money™ Card.¹ Enable Safe Mode automatic payments to help ensure your payments are on-time. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time.

Unlike other traditional secured credit builder cards, the Boost Money™ Card offers:

• No credit score needed to qualify
• No set limit - spend up to your available balance
• No minimum deposit
• No interest
• No late fees

Unlike other traditional secured credit builder cards, the Boost Money™ Card¹ offers:

• No credit score needed to qualify
• No set limit - spend up to your available balance
• No minimum deposit
• No interest
• No late fees

Unlike traditional secured credit builder cards, the Boost Money™ card doesn’t have a pre-set credit limit. After you add funds to your Boost Money™ Spend account, you can spend up to the available balance on your Boost Money™ Card.

It’s easy to see how much you can spend on your Boost Money™ Card. Just check your “Available to Spend” balance on the Boost Money™ Spend dashboard in the Upgrade app

While the Boost Money™ Card is available to eligible customers in most states, certain states are excluded. Please check our eligibility page to see the current list of states where the Boost Money™ Card is available. We are working to expand our state coverage.

After you sign up for Boost Money™, you’ll see a tile on the Directory in the Upgrade app prompting you to set up Credit Health. Or visit the Credit Health page for easy sign up.