This Secret Card Could Help You Raise Your Credit — and You’re Already Approved

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Credit scores are like a classic chicken-and-egg dilemma. One of the easiest ways to build your credit history and score is by using a credit card. But if you have bad credit (or no credit at all) you’re not likely to get approved for one.

What are we supposed to do, exactly…?

Luckily, there’s the Azpire card by a company called Zolve. It functions like a debit card, except it helps you build credit with everyday spends. You just add cash to your account, spend like normal, and Azpire reports your spending to all three major credit bureaus, which can help you raise your credit score.

And the best part? Everybody is pre approved.

The Easiest Way to Build Your Credit

This might be one of the easiest ways to build your credit we’ve ever seen. Here’s how it works: Azpire lets you build credit with your bank balance. Just load up your Azpire card with money and use it for your everyday spending.

Unlike other credit-builder cards, Azpire doesn’t require you to set up a direct deposit. Plus there are no late fees, annual fees, minimum balance requirements or security deposits. You won’t need to do a credit check.

All of your transactions get reported to the major credit bureaus: Transunion, Equifax and Experian.

With just four months of responsible use, you could get approved for a traditional credit card from Zolve with a credit limit up to $10,000.

Azpire also comes with cash-back rewards — up to 10% cash-back on purchases at more than 10,000 outlets. Plus, it’s compatible with Apple Pay and Google Pay.

How to Get Started (It’s Incredibly Easy)

Still waiting on the catch? There is none. Seriously. Azpire has a Trustpilot rating of 4.3, about the highest score you’ll find among comparable secured credit cards.

And you’re already pre-approved. Whether you have poor credit, no credit, or are just looking to boost your score, the Azpire card is one of the easiest ways to build credit.

Even better? When you sign up with the code PENNY15, you’ll get a $15 bonus*. Get started here to see how much you could raise your score.

* T&C Apply: