Swipe. Build Credit. Repeat.
Turn everyday purchases into credit history. No annual fee. Every on-time payment gets reported to all three major credit bureaus.
Build Credit on Your Terms
No credit check. No hidden fees. No catches. Your deposit becomes your spending power, every swipe builds your credit history, and every on-time payment gets reported. It's your money, your pace, and your future — finally in your hands.
Quick & Simple Sign-Up
Apply for the Acru Card. It only takes minutes — soft inquiry only, no hard credit check to apply!
Add Funds & Spend
Your deposit sets your spending limit. Use your Acru card anywhere Mastercard is accepted.
Pay & Build Credit
FAQs
Questions? We have answers for you!
Only when you use a reporting service like CreditBuilderIQ, as rent is not automatically reported to the credit bureaus in most cases.
A recent TransUnion study showed that adding rent payments to your credit report increased credit scores by an average of 60 points, but the exact impact will depend on each individual. If you have no credit profile, this is also a good way to start building one.
Rent reporting allows you to get credit for on-time rent payments by reporting them to the major credit bureaus. For CreditBuilderIQ members, you simply link your bank account from your secure member portal, select which payment is for rent, and we’ll handle reporting your confirmed payments on a monthly basis.
Results may vary. CreditBuilderIQ℠ services are 100% U.S.-based. CreditBuilderIQ provides credit report information from Experian, Equifax and TransUnion. CreditBuilderIQ does not provide credit counseling services and does not promise to help you obtain a loan or improve your credit record, history, or score. CreditBuilderIQ is not responsible for the content, accuracy, or completeness of your credit reports. Not all lenders use Experian, Equifax, or Transunion credit files. The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different than the VantageScore® 3.0 model to assess your creditworthiness.
Results may vary. Some members may not see an increased score or increased creditworthiness. Lenders use a variety of credit scores and may make decisions about your creditworthiness based on a credit score different from those impacted by positive rental and utility reporting.
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