Build your credit using your bank balance
Graduate to a credit card of up to $10000 as fast as 4 months
Earn cashback and build credit on your every day spends
Build credit while staying in your budget
Build credit without worrying about late fee and charges
Build credit without any SSN
With Azpire, you build credit using your own money, on your terms. On top of this, you enjoy
- No subscription fees
- No interest charges
- No SSN required to apply
- Upto 15% cashback*
- No credit checks to apply
- No minimum balance*
The Cost of Having
Bad Credit
#
- Credit Score:
- Interest Rate:
- Total Payments Made:
Person 1
- 620
- 22.74%
- $13,887
Person 2
- 760
- 8.83%
- $11,419
#
- Credit Score:
- Interest Rate:
- Total Payments Made:
Person 1
- 620
- 4.35%
- $855,360
Person 2
- 760
- 3.39%
- $769,680
#
- Credit Score:
- Interest Rate:
- Total Payments Made:
Person 1
- 620
- 22.74%
- $13,887
Person 2
- 760
- 8.83%
- $11,419
Azpire truly stands out
Typical Credit Cards
- Credit check required
- Annual interest rate (>15%)
- Annual and late fees
- Fixed rewards
Azpire Credit Score Builder Card
- No credit check required
- 0% Annual interest rate
- No annual OR late fees
- Up to 10% rewards
Typical Debit Cards
- International transaction fees
- No rewards
- No credit building
Azpire Card
- No international transaction fees
- Up to 10% rewards
- Credit building from 1st transaction
- 01
- 02
- 03
How does the Azpire Card work?
Add money
Add money to your Azpire Card (the money you add gets moved as your Azpire Security Deposit) which in turn becomes your credit limit. Use this for making everyday purchases like any of your typical credit cards.
How does the Azpire Card work?
Start Spending
Whether it’s gas, groceries, or shopping, use your Azpire card to do all the paying. When you swipe your card, we see that purchase and auto-pay ourselves by deducting the money that you had moved.
How does the Azpire Card work?
Credit Reporting
At the end of the month, we add up all the transactions for the month and report it to the bureaus so that your credit score gets built for a better financial future.
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Gaining global trust
50
States
300K+
signups till date
50+
nationalities supported
Our Investors
We have raised $55 million to fuel dreams - Ours and Yours
What our customers have to say about us
“As a new international student in the US, getting a good credit card is next to impossible without hefty deposits or sign up fees. Zolve's credit card is a no-brainer for any student looking to smooth out cash flows in the early days and start building a credit history in the US from day 1”
MBA, Wharton, 2023
“Super excited to have my Bank Account ready before I land in New York! No long lines, pushing in queues, lengthy wait times, excessive paperwork to even get my credit card - the Zolve process was easy, smooth & simple. Can’t wait to swipe!”
Boeing
“Loved the onboarding experience with Zolve, it barely took any time at all. You also get your credit limit instantly instead of having to wait a few days like you would at a bank. Can’t wait to get the actual card once I reach the US!”
MBA , Harvard Business School, 2023
FAQs
Building a credit score is financially critical for everyone in the US. Many homeowners check for credit score of renters and not having one might increase the rent, getting insurance and loans become costly and sometimes even employers check for credit score of potential employees
Unfortunately, many banks require an SSN (social security number) for issuing a credit card. Getting an SSN can take a couple of months and sometimes even years if you do not have an internship. Zolve Azpire card is for all international students to help them migrate better and give a high reward card to build their credit score right from Day 1 of their landing in the US
After a quick online application process for account opening, you will get your bank account details and the account would be activated instantly while you are sitting in your home country. No need to wait to land in the US or visit an bank branch.
You can send money to your bank account while at home and start spending as soon as you land in the US (right from booking your cab from airport to campus!). You no longer have to rely on a forex card and cash.
To make the process seamless and just right for you, your Zolve Credit Card will be delivered to your U.S. address in accordance with your travel plans.
With traditional credit cards, using a high percentage of your available credit limit could negatively impact your credit score. You don’t have to worry about it with the Zolve Azpire card because with the Azpire Card, Zolve does not report credit utilisation to the credit bureau. So rest assured to use Zolve Azpire for your everyday purchases and let them count towards credit building!
Do note, on-time payments can have a positive impact on your credit score. Late payments may negatively impact your credit score.
Yes! you can withdraw cash using your Azpire Card (up to the available Credit Limit). Get zero fee withdrawals* at 37,000+ Moneypass ATMs found in the stores you love, like, Walgreens, 7-eleven, CVS, and more!
- ATM withdrawal fees may apply at certain out-of-network ATMs.
Yes, absolutely! There are two ways you can do this:
- Link the external account to Zolve and “Receive” funds on the Zolve App itself If your external account is already linked on zolve: Go to Bank —> Click on “Add Money” —--> From U.S account —--> Select the linked external account that you want to receive funds from —> Proceed
- Add Zolve as a beneficiary in the external account and initiate an ACH transfer. For Zolve account details on the app: Go to Bank->My Account->Details
