Meet Truecard

The credit card designed with you in mind, with unique features that put you in control.

Refer to climb the waitlist

If you’re among the first 1,000 approved2, you’ll get our exclusive, metal Truecard.

Please check your email and click the link to confirm your enrollment.
Oops! Something went wrong while submitting the form.

By joining the waitlist, there is no obligation to get Truecard.

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Grow your credit score

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

Avoid the debt cycle

SmartPay3 helps ensure you pay off your statement balance by moving available cash from your checking account and applying it to your Truecard balance throughout the week. By ensuring your balance is consistently paid off, you can avoid accruing interest and falling into the debt cycle.

Truebill
We just paid $37 of your Truecard balance, keeping your utilization low.

Take back control

Merchant level controls let you block a company from charging you at any time.

Bad Company
Cool, Inc.
Annoying LLC

You're more than your score

We take financial factors outside your credit score into account, which can help you qualify for more credit at better rates. Plus, find out if you’re pre-approved  with no impact to your FICO score.

Earn cash back for spending

Spend with Truecard to maximize your money. Earn up to 5% cash back with over 14,000 brands, including Top Retailers.

If you’re among the first 1,000 approved, you’ll get our exclusive, metal Truecard.

Please check your email and click the link to confirm your enrollment.
Oops! Something went wrong while submitting the form.

By joining the waitlist, there is no obligation to get Truecard.

Reserve your 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.