Build credit with every swipe.
Vulse is the way!

Your credit doesn't need to tiresome, confusing, or a challenge. Simply take control with Vulse AI and get started on your credit journey!

Earn on every swipe

Make your money work for you and earn up to 3% cash back on qualified purchases.

- No overdue bills with daily autopay
- Build credit
- Earn on every swipe

No credit check

No hard credit pulls required

Starts at $5/mo.

Cancel at any time

Easy & automatic

Enjoy peace of mind, and worry less about due dates, with automatic payments

Automatic payments,
powered by Vulse

Spending, made worth it

Start building credit with everyday purchases and on-time payments. Use it everywhere Visa credit cards are accepted.

No credit check

No hard credit pulls required to apply to the Vulse Secured Credit Card

Quickly get started

Getting started with Vulse is easy and straightforward. Apply, set up your account, and get spending

Make credit simpler, safer, and seamless.

Money Money

Move money into your Vulse secured credit card account.

Spend Money

Use your Vulse secured credit card anywhere where VISA is accepted.

Monitor your progress

Track your credit score over time to see your improvement.

Get the extra credit you deserve with Rent Reporting

Vulse can help you boost your credit with the rent you already pay

Maximize your earnings

Earn credit for your rent

Earn with reports on positive, on-time payments

Unlock added value on your rental payments

Get your past rent payments reported

For a one-time fee of $50, we will report all verifiable rent payments from up to 24 months ago.

Earning with your rent.


Link the bank account you use to make your rent payments


Submit a valid lease and your landlord information for verification

Monitor your progress

Rest easy knowing your rent payments are being automatically reported

Buy it now, pay it later

Tap into a new way to get what you want with Vulse Buy Now, Pay Later. The flexibility of a credit card without the interest or hidden fees.

Flexible payments

Pay over time, or monthly. With Vulse BNPL, we give you the flexibility you need.

No hard credit checks

Sign up for Vulse today with no impact on your credit and get an approval decision within seconds!

Get everything you need now

Enjoy the ability to purchase the things you need now, without stress.

Stay on top of your payments

We will notify you when your payments for your BNPL purchase is due, helping you stay on track.