- No annual fee
- Reports to Reports to TransUnion®, Experian®, Equifax® Innovis® and MicroBilt®
- Earn up to 1% on credit builder loans
- Soft credit pull and instant approval
- No security deposit is required
- There is no bank account required to apply
- Access To Courses To Learn Life Skills
- Available in all 50 States
4.0 / 5.0 (12 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
0.00%*
APR Type:
fixed
Annual Fee:
$0*
Issuer:
Card Network:
Card Category:
Consumer (Stored Value)
Card Type:
Damaged Credit
Instant Decision
No Credit / New to Credit
No Credit Check
Rebuild Credit
Reward Card
Credit Needed:
Bad Credit OK*
Grace Period:
N/A*
Late Payment Fee:
$0.00*

Balance Transfers

Balance Transfer:
No

Other Fees

Application Fee:
$0.00
Additional Fees
Setup fee: $0
Security deposit: $0
Maintenance fee: $0
Prepayment fee: $0
Late fee: $0

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Features

Most attractive:
- No security deposit
- No Interest
- Credit Reporting
- Small payments
- Earn rewards
Least attractive:
- Low credit
- No card product
- No phone apps

Rewards & Benefits

Reward Type:
Outdoor Rewards
Reward Unit:
Cash
Rewards:
- 1% cash back on eligible loan offers
Expiration:
None
Yearly Limit:
Up to $1,075
Other Benefits:
*See Terms and Conditions for other benefits
Online Access:
Yes!
Credit Reporting:
Yes

*The information provided for Kovo Credit Builder is believed to be accurate at the time of evaluation (Dec 18, 2023). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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