SmartPay3 helps you keep your utilization low and your
payments on time by finding opportunities to pay off your card
as you use it, which can help improve your credit score over time.4
If you’re among the first 1,000 approved, you’ll get our exclusive, metal Truecard.
(1) Truecard is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
(2) Joining the waitlist does not guarantee Truecard eligibility. Geographic, regulatory, and underwriting restrictions may apply.
(3) SmartPay enrollment required.
(4) Impact of using SmartPay to boost your credit may vary; credit scores are determined by Credit Reporting Bureaus and rely on a number of factors
that we cannot predict. Increases or specific changes to your credit score are not guaranteed.
(5) Pre-approval does not guarantee an account approval and you must submit a full application for review in order to apply for any offer(s) of credit.
Submitting for a pre-approval is how you find out if you may be eligible for a Truecard without impacting your credit score.
Enter your email address below to see where you're at on the Truecard waitlist.