Giving You The Credit That You Deserve

Introducing the BankMobile Credit Mastercard®

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How it works.

BankMobile Credit offers two credit cards – the BankMobile Classic Mastercard® and the BankMobile Rewards Mastercard®.  Both cards give you the same flexibility to do the things you want with no annual fee and competitive interest rates1. Apply Now. It's as simple as 1 - 2 - 3.

pre-qualify

Answer a few quick questions to see if you qualify without impacting your credit score.2

review your offer

We will match you with the card that best fits your credit profile.

Accept your offer!

Instantly accept your offer and get your credit card within 7-10 business days.

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The security you expect from a credit card, with the perks you want.

More ways to pay with Apple Pay®, Google Pay™ and Samsung Pay

Keep your hard earned money — no annual fee1

Eco-friendly, paperless statements

Emergency Cash Advance and Card Replacement3

EMV chip technology provides that extra layer of security

Peace of mind with ID Theft Protection3

Rates & Fees Summary

Variable Annual Percentage Rate (APR) 16.74% - 24.74%

ANNUAL FEE

$0

View BankMobile Credit Mastercard Terms and Conditions and complete list of rates and fees for more information.

VISIT EZCARD

ACTIVATE

To activate your card visit eZCard to activate or call 866-839-3492 in the US or 727-570-4888 collect from outside the US, 24 hours a day, 7 days a week.

ACCESS YOUR ACCOUNT

Set up online access at eZCard and bank securely anywhere, anytime. View account activity, check your balance, analyze your spending, set up account alerts and more!

Earn points, get rewarded.

Turn your big and small purchases into rewards. Eligible cardholders that qualify for the BankMobile Rewards Mastercard can earn points that can be redeemed toward travel, merchandise, or credit back to your card or into your bank account.

CREATE REWARDS ACCOUNT

so start earning points

Get rewarded on every purchase! Simply use your BankMobile Rewards Mastercard  for your purchases. You will earn points for every qualifying dollar you spend.

redeem for 1% cash back + more

Reward yourself, you deserve it! Turn your points into merchandise, gift cards, travel or experience rewards! Points can also be redeemed for cash back to your bank account or a statement credit to your BankMobile Rewards Mastercard.

To access your rewards, log in at scorecardrewards.com
OR
Log into your eZCard account and navigate to the rewards site

View the BankMobile Credit Rewards powered by ScoreCard Bonus Point Program Rules and FAQs for more information.‍

Help Center FAQs

Are BankMobile credit cards fixed rate or variable rate?

All credit cards through BankMobile have a variable interest rate, tied to the prime rate, which means it can change throughout the life of the card. Complete our brief application by going to cards.bankmobile.upstart.com to find out your personalized interest rate and APR.

How can I find out the status of my credit card application?

If you apply online, you will generally get a response in minutes. For general questions related to the application process, please email bankmobile.cards@upstart.com.  You can expect a response within approximately 24 hours. We will notify you in writing of our decision within 7 to 10 days of your application. Please note that Adverse Action Letters will be delivered via US Postal Service.

Can I change my credit card application after it has been submitted?

You will not be able to edit your application once it is submitted. Please be sure to verify your information prior to submitting. If you've made a mistake on your application, please withdraw the current application and reapply with the corrected information.  If you wish to withdraw from the application process, please email us at bankmobile.cards@upstart.com and we can assist you with doing so.

Can I withdraw or delete my BankMobile credit application?

If you wish to withdraw from the application process, please email us at bankmobile.cards@upstart.com and we can assist you with doing so. We are happy to withdraw your application; however, please note that we cannot delete your application or any of the supporting documentation that was submitted or collected during the application process at this time.  Protecting your data and privacy is one of our highest priorities! You can rest assured that your personal information is stored securely.  We handle all our customer data in accordance with all applicable laws and our Privacy Policy.

How do you determine my credit line?

We will determine your credit line after a review of your application and the ability to repay. If your application is approved, the minimum credit line you will receive is $500.00. Credit lines range from $500.00 to $30,000.00 based on qualifications and credit worthiness.

Can I use a cosigner or apply with joint applicant?

Not at the current time; all credit card applications must be applied for in an individual name.

VIew/SEARCH All FAQS

Contact us

Have a question? Check out some frequently asked questions from our Help Center here. For general questions related to the application process, please email bankmobile.cards@upstart.com. Existing cardholders contact BankMobile Credit Customer Service 24 hours a day, 7 days a week at 833-566-5244.

1 View BankMobile Credit Mastercard Terms and Conditions and complete list of rates and fees for more information.
2 When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. Not everyone will qualify.
3 View the BankMobile Credit Mastercard Guide to Benefits for more information.
4 The BankMobile Credit Rewards Mastercard is only available to those who qualify. View the BankMobile Credit Rewards powered by.
   ScoreCard Bonus Point Program Rules and FAQs for more information.