Featured: Top-Rated Credit Cards

Additional Info

• Rewards Rate: Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
• Credit Line: Up to $1,000 credit limit subject to credit approval
• Annual Fee: As low as $99
• Regular APR: 36% Fixed
• Credit Recommended: Fair/Poor
• Card Brand: Visa®
• Foreign Trans Fee: 3% of each transaction amount in U.S. dollars
  Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
• Balance Transfer Fee: 3% of the amount of each transfer
• Cash Advance APR: 36% Fixed
• Balance Transfer APR: 36% Fixed

Additional Info

• Overdraft Protection: up to $300 with opt-in and eligible direct deposits
• Activation Fee: $0
• Monthly Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
• Direct Deposit Fee: $0
• ATM Fee: $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
• Credit Recommended: All Credit Types Considered
• Reports to Consumer Reporting Agencies: See more on Go2bank site
• Number of Bureaus: 3

Additional Info

• Credit Limit: $700
• Regular APR: See terms
• Annual Fee: See terms
• Credit Recommended: Poor to Good
• Brand Name: Mastercard
• Cash Advance Fee: See terms
• Foreign Trans Fee: 1% of each transaction in U.S. dollars.

Additional Info

• Primary Benefit: Build credit while earning rewards
• Rewards Rate: 1% cashback on gas and groceries
• Credit Limit: Start with credit limit up to $300, grow to $2,500
• Regular APR: 24.99%
• Annual Fee: $60* (*discounted in Year 1 for starting credit lines under $300)
• Credit Recommended: All Credit Types Accepted
• Checking Account Required: Yes
• Card Brand: Mastercard®
• Late Payment Fee: Up to $38
• Return Payment Fee: $0

Additional Info

• Primary Benefit: May help build credit and improve your credit score over time.
• Products Offered: Mobile Banking & Visa Credit Card
• Brand Name: Visa®
• Credit Check: No
• Regular APR: N/A

Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current deposit account is required to apply for the Current Visa® secured charge card. Independent approval required.

Additional Info

Sign up for Kikoff Credit Service.

Apply in minutes with no credit pull. Purchase the Kikoff Credit Service for $5/month[1]. This account is designed to build long-term credit and give you a low utilization rate.

Make your first payment.

Your payment goes toward your Credit Account balance and payment history gets reported to the credit bureaus. This account stays open as long as your Kikoff account is active.

Open your Credit Builder Loan.

After your first payment, you’ll unlock access to the 0% interest and $0 fees Credit Builder Loan. Pay 12 installments of $10/month, after which we will return your $120 back to you.

Additional Info

WHY WE’RE HERE

We’re not your typical financial Institution. Our biggest goal is to see you financially free.

So, we’ll never charge you annoyingly high fees. Instead, we can give you a swiss army knife of money tools, plus immediate cash advances by leveraging your most valuable asset -– your data.

By transparently leveraging your approved data, we can provide low to no fee financial products and services to save you time and money.

YOUR DATA IS SAFE WITH US

Your data is always anonymized (we’ll never know who you are) and securely stored using 256-bit encryption (we’re talking military-grade, bank-level technology here). When you opt-in to our Truth in Data agreement, you’ll unlock all the Klover app perks –– like cash advances, budgeting tools, sweepstakes –– without any credit checks, late fees or interest charges. Nothing. Nada. Zilch.

Klover does not offer loans. We are NOT a payday loan, cash loan, personal loan, or app to borrow money. By validating your employment you can access money you’ve already earned.