StellarFi® Credit Builder Card

Real credit card. Real credit growth.

Created for people who want to build credit fast without the high fees and low limits you get everywhere else.

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Credit Builder Card

Semi-secured means higher limits limits, lower deposits

StellarFi's semi-secured credit card lets you build credit while paying your monthly bills—whether it's rent, utilities, or subscriptions. With flexible repayment options and real-time credit bureau reporting, it's the transparent, straightforward way to improve your financial future.

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Credit Tools

One dashboard that gives you total control

Money should be simple. Download the app, and handle everything in one spot. Manage your StellarFi card, track your live credit score, tweak your repayment schedule, earn rewards, and pay bills. One screen, zero hassle, full control.

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03
Personalized Offers

Hand-Picked Deals That Work for You

From high-yield savings to flexible personal loans, our partner offers are chosen to fit your goals and reward your progress—not clutter your feed with ads.

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04
Rewards That Matter

Earn While You Improve

Hit milestones, pay on time, and unlock cashback, and exclusive perks. Good money habits have never felt this good.

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Tried, tested, and trusted

StellarFi has helped thousands improve their credit—now it’s your turn to empower users with the same credit solutions.

API Integration

Connect your platform to StellarFi’s robust API. Unlock real-time data and analytics that drive personalized insights and credit score tracking, helping you build valuable financial experiences.

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Customizable Components

Quickly deploy components that adapt to your brand and user needs. These ready-made components cover everything from spending insights to credit score tracking.

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How does StellarFi work?

It’s easy to build credit with confidence.

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Apply for the StellarFi credit builder card

You’re pre‑approved. No hard credit pull. Instant decision after you verify your identity and connect your primary bank account.

Move money into your deposit account

Fund your security deposit into your FDIC‑insured StellarFi account. This money is refundable and the account earns interest for you.

Build credit by using your new StellarFi card

Pay your monthly bills with your new StellarFi card. Pay StellarFi on your schedule. We report your credit account and build your score over time.

Other people using StellarFi

Discover the secret behind the countless StellarFi members, who choose it as their go-to platform for credit-building with every bill.

"I got a quote for new home insurance recently and saved $800, I think hitting a new milestone with my credit score helped."

Gwen

StellarFi Member

"No hidden fees, or additional costs with a supporting team that will help you through the whole process. I love that. Thank you StellarFi."

Ezra Brenes

StellarFi Member

My credit score has went up over a 150 points since May. I couldn't be more pleased.

Kim

StellarFi Member

"I love StellarFi. Rebuilding my credit after almost losing it all. Very service friendly company and quick response to questions. Thanks!"

Lauri Wolfe

StellarFi Member

"This is the answer to you quest to improved credit ratings. They have all the tools and services you want and need to fix and grow your credit worthiness."

Jockomo

StellarFi Member

"I couldn't believe my eyes when I saw my credit increase so significantly (+112!!!!) from paying off my subscriptions and utilities."

V. Keke

StellarFi Member

"I like Stellarfi because , it's helps me track my bills collectively and pay it out. Paying my bills on time and then they reporting it to Equifax and Experian."

Prince

StellarFi Member

"My credit score has increased 25-30 points so far by literally just paying my bills like I normally do!"

Sandy

StellarFi Member

"StellarFi continues being instrumental in rebuilding my credit. There is never a case of overdraft or funds being charged if your balance does not have enough to cover the payment."

Timothy

StellarFi Member

BUILD FAST
LOWER COSTS
GROW REVENUE

Ready to See Your Score Climb?

Join thousands of members who’ve unlocked better rates, cheaper insurance, and new opportunities—with zero guesswork.

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