Tap to build credit
The perks of a credit card, plus the power of Kikoff's credit builder.*
Works like a debit card & checking account.
Performs like a credit builder.
Never worry about overspending or due dates
The card with extra crediti
Build credit with your everyday purchases
Build credit historyv with all three major credit bureaus with a minimum deposit of $50
Earn cash back
Whether it’s groceries, shopping, or dining, we’ll immediately credit you the cash back you’ve earned.ii
Fee-free overdraft protection
With qualifying direct deposits, overdraw $20 per month on your card without fees. The amount will increase the longer you keep your banking service with Kikoff, up to $200 per month.iii
Get paid early
You shouldn’t have to wait for the money you’ve earned. Set up direct deposit and have your paycheck ready to use up to 2 days early.iv
No fee in-network ATMs
Use your physical Kikoff secured card to withdraw cash without fees at any of the 55,000 Allpoint ATMsvi worldwide.
Kikoff Inc. is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. The Kikoff Mastercard® is issued by Coastal Community Bank pursuant to a license by Mastercard International Incorporated. All other product names, logos, brands, trademarks, and registered trademarks are property of their respective owners.
(i) All company, product, and service names used in this website are for identification purposes only. Use of these names, trademarks, and brands does not imply endorsement.
(ii) The Kikoff Secured Credit Card Merchant Cash Back Program is governed by the Kikoff Merchant Cashback Program Addendum and provided by Coastal Community Bank, Member FDIC.
(iii) Direct deposit required to unlock overdraft protection. Overdraft limit is determined by card usage and other risk factors.
(iv) Early access to direct deposit funds depends on the timing of the payer’s submission of deposits and is not guaranteed.
(v) The Kikoff Secured Credit Card reports to Equifax, Experian and TransUnion on a monthly basis. Minimum deposit of $50 is required to be reported to the credit bureaus.
(vi) Fee-Free ATMs get fee-free transactions at any Allpoint ATM. Otherwise, out-of-network ATM withdrawal fees may apply.
Refreshingly fair
Endless ways to build credit, all in one place
No
Hidden fees
0%
Interest
No
Credit check
Have questions?
We’ve helped people grow their credit by a total of 9.6M points1
I was ready to clean up my credit but I didn't have a ton of options. Kikoff worked and I still don't know how. Up to 700 after a year.
Detroit, MI
Each time I was checking my credit, points were just accumulating. My credit has improved 156 points with Kikoff.
Oakland, CA
i couldn't get a car to save my life n Kikoff helped get me from 545 to like 6 something in like 2 months. def worked for me!!!! thank yoouuuuu ⭐️⭐️⭐️⭐️⭐️
Atlanta, GA
My credit was in the 400s.... I didn't even know credit could go that low. Now it's in the 600s. Don't even think about it, just sign up.
Oakland, CA
