- No annual fee
- Reports to Experian®, Equifax® 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
- Free courses
- Available in all 50 States
4.0 / 5.0 (12 votes)
Leave your vote!

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
Guaranteed Approval
No Credit / New to Credit
No Credit Check
Rebuild Credit
Reward Card
Credit Needed:
Bad Credit OK*
Grace Period:
N/A*
Min Credit Line:
$10
Late Payment Fee:
$0.00*

Balance Transfers

Balance Transfer:
No

Other Fees

Opening Minimum:
$10.00
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:
- No TransUnion reporting
- Low credit
- No card product
- No phone apps

Benefits

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!
100% Guarantee Approval:
Yes!
Credit Reporting:
Yes

*The information provided for Kovo Credit Account is believed to be accurate at the time of evaluation (Jan 24, 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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