Which Product is Right for You: Kikoff’s Credit Account and Kikoff Secured Credit Card

At Kikoff, we understand the importance of establishing a strong credit score for financial success. That’s why we have developed user-friendly products that don’t require significant financial resources or extensive knowledge of the financial industry.

All our products are simple and affordable, built by folks with bad credit for folks with bad credit. 

Our products are specifically designed to help you address the 3 major credit factors that contribute to your credit score: establishing a positive payment history, building accounts that have credit history, and lowering your utilization rate — all critical elements in raising your credit score.

Here, we breakdown our two popular credit-building options: the Kikoff Credit Account and Kikoff Secured Credit Card. By exploring the features and benefits of each, you can choose the product mix that best suits your needs and preferences.

To make it easier for you, we have summarized the information in a TLDR (Too Long; Didn’t Read) section and provided a more comprehensive Deep Dive overview as well. Take a look at both to get a clear understanding of our offerings and start your credit journey with us today.

The path to a better credit score starts with Kikoff! See the long and short of it all below, and get started on your credit journey today.


  • Begin with Credit Account if you’re not sure where to start
  • Sign up for Premium for a higher credit line, and perks like rent reporting
  • Add in the Kikoff Card if you want to build credit while you spend, shop, and dine

The Deep Dive

Kikoff basic vs. Kikoff premium credit account differences

The Kikoff Credit Account:

Kikoff’s Credit Account is a unique credit-building product that is not a traditional loan and is not a credit card. This is the future of credit building: You pay an affordable monthly payment, and we report your on-time payments to the credit bureaus. You’ll also get access to an Experian monthly credit report where you can track your credit score’s progress.

How it works

First, you’ll pick between the Premium or Basic Credit Account: You get to choose between the Basic Credit Account ($5/month), or the Premium Credit Account ($20/month). Feel free to switch anytime.

Key Features: Basic Credit Account

✅Most affordable (as low as $5/month)

✅$750 reported line of credit specifically for building credit

✅Easy: set and forget

✅Monthly credit report from Equifax

✅No security deposit

✅Good for beginners 

✅Reports behavior to Equifax, Experian, and TransUnion 

✅No credit check

✅Approval in minutes

✅Build credit history

✅Improve utilization

✅No interest

✅Autopay available

✅No late fees, though late payments will be reported to the credit bureaus

Key Features: Premium Credit Account

✅$2,500 reported line of credit specifically for building credit

✅Monthly credit reports from all 3 major bureaus: Equifax, Experian and TransUnion

Rent reporting

✅Easy: set and forget

✅No security deposit

✅Reports behavior to both Equifax, Experian, and TransUnion 

✅No credit check

✅Approval in minutes

✅Build credit history

✅Improve utilization

✅No interest

✅Autopay available

✅No late fees, though late payments will be reported to the credit bureaus

For both Premium and Basic, you can enjoy these benefits:

– Reporting to Credit Bureaus: Kikoff reports your Credit Account payment history to all 3 major credit bureaus, helping you build a positive credit history. 

With Premium, you can access your report from all 3 major bureaus, to see the differences between Experian, Equifax, and TransUnion. With the Basic Credit Account, you’ll only be able to see the Experian report and not compare each.

– Interest-Free Payments: Kikoff does not charge interest on the Credit Account, making it an affordable option for credit building. All you need to do is pay a flat monthly fee. 

– No Security Deposit: Unlike many secured credit cards, the Credit Account does not require a security deposit, eliminating the need for a large amount of upfront funds.

– Autopay: Just like a Netflix subscription, with the Credit Account you’ll be enrolled in automatic payments – which is especially important for your credit score, as on-time payments are one significant factor that contributes to your credit score.


Kikoff Secured Credit Card

The Kikoff Secured Credit Card is a secured card that works like a debit card and checking account. You can build credit while you bank! 

With a $200 bonus and credit bureau reporting, this is a great product to add to your Credit Account. However, this may be a better fit for you if you plan to use this as a main card. A bonus is that you’ll be able to earn cash back with each purchase! To be eligible for bureau reporting with the Kikoff Card, you will need to deposit $50 minimum into the account, which you can feel free to spend. 

One exciting feature for this product is that you can also earn a $200 bonus if you meet requirements: To qualify for the $200 bonus, you need to do a few things and plan to use the card for a while. Check out the $200 bonus requirements below Key Features. You can also visit Kikoff Secured Credit Card page for more details.

Key Features

✅Build credit while you spend

✅Get paid 2 days early 

✅Up to $200 overdraft protection*

✅Earn cash back on purchases

✅Get $200 bonus if you meet requirements*

✅Monthly credit score update from Equifax

✅Reports to all three major credit bureaus**: TransUnion, Equifax and Experian as long as you deposit $50

✅No credit check

✅Approval in minutes

✅Build credit history

✅Improve utilization

✅No interest

✅No annual fee

✅Autopay available

✅No late fees, though late payments will be reported to the credit bureaus

$200 Bonus Promotion (with qualifying direct deposit): Just set up direct deposit on your new Kikoff Card as soon as you sign up, and use your card regularly. Here are the specific requirements:

  1. Set up direct deposit 
  1. Deposit a minimum of $500 per month for 3 months 
  2. Spend more than $200 per month for 3 months
**To get your credit score from all 3 bureaus monthly, you can enroll in Credit Account Premium

How the Kikoff Secured Credit Card works

If you don’t have a lot of cash on hand, the Kikoff Secured Credit Card might not be the best fit for your needs – but consider sticking with the Credit Account instead! That’s the beauty of Kikoff products: You can choose what fits your needs and budget.

– Cashback Rewards: Whether it’s groceries, shopping, or dining, earn cash back and maximize each of your purchases by using the Kikoff Card.

– Credit Building: Similar to the Kikoff Credit Account, responsible use of the Kikoff Card, such as making on-time payments and keeping credit utilization low, can positively impact your credit score over time. As long as you meet the $50 initial deposit, your positive behavior will be reported to the bureaus.

– Mastercard® Fraud Protection: The Kikoff Card includes Mastercard® Zero Liability Protection, which applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions.

– In-Network Fee-free ATMs: Use your physical card to withdraw cash without fees at any of the 55,000 Allpoint ATMs worldwide.

– Overdraft Protection: With qualifying direct deposits, overdraw $20 per month on your card without fees. The overdraft protection benefit amount will grow over time as you use the Kikoff Card responsibly. 

– No Annual Fee: There is no annual fee for the Kikoff Card!

Get Your Kikoff Secured Credit Card here.


Ready to start your credit journey?


All Kikoff products are designed to help you build credit easily and effectively, and focus on the key factors that contribute to your credit score. With features like affordable monthly fees, credit bureau reporting, interest-free payments, no security deposit requirements, and easy setup, you can achieve your credit building goals! 

Take the first step towards achieving your credit goals: Start your credit journey with Kikoff today and unlock a brighter financial future!

Still have questions? Check out our FAQs here.