Apply now
Apply

No annual fee

That's right, Neu Card 2 is annual fee free. Always.
Apply now

How it works

  • From 26.99% to 29.99% Annual Percentage Rate
  • $350 & up credit limit
  • Unlimited 3% cash back on airfare
  • Build credit history
  • Reports to major credit agencies
  • New to credit? No problem

*Annual Percentage Rate. Remains fixed for life of the card.

Apply now

No annual fee

Say goodbye to annual charges. Credit builder Neu Card lets you build credit with no annual fee.

$350 & higher

Get access to a starting credit line of $350 & up. We make it easier to begin your journey toward financial freedom.

Variable APR

Pay off monthly and skip interest entirely. If you carry a balance, your variable APR will range from 26.99% to 29.99% — and we’re always upfront about how it works.

Student friendly

Built with students in mind. No prior credit experience needed, and no co-signer required. Just an easy way to build your future, starting today.

Easy approval

We keep it simple. Apply in minutes, get quick decision — no credit score needed. Just show us you’re ready, and we’ll take care of the rest.

Globally friendly

If you are new to the U.S. and don’t have a Social Security Number (SSN), don’t fret — we have a path for internationals to apply without an SSN.

Even more perks

  • Pick your vibe

    Select a color that you like the most.

  • Get $20

    That's right, get $20 for every friend you refer who is approved for Neu Card, up to 25 friends.

  • Easy to use

    Apply, pay & watch your credit score grow — all in the app.

  • Build credit history

    Every payment you make helps build and strengthen your credit history — automatically and effortlessly, just by using the app.

    Apply now

  • Plus more

    • Quick apply
    • Fraud protection
    • Freeze your card

Manifesto

At Neu, we believe everyone starting to build credit
…students, recent graduates, immigrants,
and anyone overlooked by traditional banks
…should be supported, not exploited.
…that everyone deserves a fair chance
at financial wellness regardless of race,
gender identity or upbringing.
…that credit should be built up,
not broken down.
…that hidden charges and high interest
are harmful.
…financial literacy is empowering.
…transparency and authenticity build trust.
We believe that everyone starting from scratch
desperately need a new way to get in the game.
That’s why we made Neu
…to give everyone a safe, inclusive,
and easy way to build their financial futures.
No predatory BS.

Apply in under 5 mins

Apply now