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.
Apply nowApply now

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.

Build credit and earn rewards

Earn 2% rewards 2 on every payment and strengthen your credit history across the 3 major credit bureaus.

Access up to a $1,500 starting credit limit

Be considered for a higher credit line in as few as 3 months.

How it works

Apply

Receive your credit limit in less than 60 seconds.

Connect your payroll

Automatically make your first payment the next time you get paid.

Receive your card

Once we receive your first payment, your card will get shipped to you.

Buy what you want & need

Swipe your card wherever Mastercard is accepted.

Sit back and relax

Each time you get paid, your direct deposit payment automatically goes toward your balance and can help build your credit.

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Play

How it works

Apply

Receive your credit limit in less than 60 seconds.

Connect your payroll

Automatically make your first payment the next time you get paid.

Receive your card

Once we receive your first payment, your card will get shipped to you.

Buy what you want & need

Swipe your card wherever Mastercard is accepted.

Sit back and relax

Each time you get paid, your direct deposit payment automatically goes toward your balance and can help build your credit.

Key benefits

Apply in 60 seconds without impacting your credit score1

Build your credit 3

with automatic payments from your paycheck.

Access up to a $1,500 starting credit line

2% rewards

Earn rewards on every payment to shop top brands in the Perpay Marketplace.

Join the millions of Perpay members that see their paycheck differently

"I love this it made my credit increase over 50 points and the order was fast"
3carter
iOS App Review
"Beyond happy with all my products, not to mention my credit score has gone up almost 70 points in 6 months!!"
deepseeper
iOS App Review
"BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend."
Bluemegatron85
iOS App Review
"I love perpay!!! Everything was delivered fast and customer service is great!"
Jose D
BBB
"I love perpay. Very fast shipping. Great prices."
Anthony Stephenson
Google Play Review
"My credit has improved a LOT since starting this program! Customer service is always super helpful and friendly!"
shaywill210515
iOS App Review
"Absolutely amazing I got a credit card through them and everything's a legit great experience."
Thomas Horton
Google Play Review
“One of the best programs out there. Never have to worry about remembering a payment, fast shipping and pricing is realistic."
Darkpegs Gaming
Google Play Review
"Great variety... Bought great high-end products that I otherwise would not be able to get."
Kristi Krawczyk
Trustpilot
"This is legit!! It was easy to sign up and easy to purchase items!"
Miss Duncan
iOS App Review
"I love this it made my credit increase over 50 points and the order was fast"
3carter
iOS App Review
"Beyond happy with all my products, not to mention my credit score has gone up almost 70 points in 6 months!!"
deepseeper
iOS App Review
"BEST APP EVER!!!!! It helped me tremendously with my credit. I would highly recommend."
Bluemegatron85
iOS App Review
"I love perpay!!! Everything was delivered fast and customer service is great!"
Jose D
BBB
"I love perpay. Very fast shipping. Great prices."
Anthony Stephenson
Google Play Review
"My credit has improved a LOT since starting this program! Customer service is always super helpful and friendly!"
shaywill210515
iOS App Review
"Absolutely amazing I got a credit card through them and everything's a legit great experience."
Thomas Horton
Google Play Review
“One of the best programs out there. Never have to worry about remembering a payment, fast shipping and pricing is realistic."
Darkpegs Gaming
Google Play Review
"Great variety... Bought great high-end products that I otherwise would not be able to get."
Kristi Krawczyk
Trustpilot
"This is legit!! It was easy to sign up and easy to purchase items!"
Miss Duncan
iOS App Review
1 The Perpay Credit Card is subject to credit approval. Not available to residents of New Hampshire. The Perpay Credit Card is issued by Celtic Bank. Applying for a Perpay account will not affect your FICO® or Vantage score. However, we may obtain information from Clairity which may affect your credit profile with this alternative credit bureau.
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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®.*Based on results observed across more than 40,000 Perpay+ members, customers enrolled in credit building observe an average credit score (VantageScore 4.0) increase of 32 points within the first three months reporting. Individual results may vary. Credit score improvement is not guaranteed. Perpay+ is only available to eligible Marketplace account holders. See the Marketplace Terms and Conditions for more details. A fee may apply.

© Perpay Inc., 2025