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*
*Refer Terms and Conditions
Apply for US credit card

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

Join the 300,000+ who like us already

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App Store

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Trustpilot

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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

user

“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”

Nayan B

MBA, Wharton, 2023

user

“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!”

Anthony Tao

Boeing

user

“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!”

Varun G

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.

Yes, we believe nothing should come in the way of you achieving your dreams. Zolve Azpire is for all aspirational people who want to build their future and a healthy credit score in the U.S

We are very secure and use Wise's payment rails to make the transfer. Wise U.S. Inc. is registered with the Financial Crimes Enforcement Network (FinCEN) and renews its registration annually.

Zolve Azpire is a new-age credit card that can be used to build your credit history. You can secure your credit card with funds ,and a limit is created up to the amount of funds secured. Any transactions made using the card will help to build your credit history. The Zolve Azpire card offers rewards and also comes with benefits of a bank account.

Yes, Zolve Azpire Card is designed to help you build a U.S. credit score, and without any fees! Azpire offers features that help you stay on top of key factors that impact your credit score. Consistent use of your Azpire Card can help you build on-time payment history, increase the length of your credit history over time, and more.

We report to the major credit bureau – Equifax® to help you build credit over time, and will be reporting to other major credit bureaus - Transunion and Experian shortly.

Azpire doesn’t have a pre-set credit limit. Instead, the money you move into your Azpire deposit account becomes your limit (up to a maximum of $10,000). For example, if you deposit $1,000, that money is placed in a secured deposit account and we give you a credit limit of $1,000. You can spend the same amount with your Azpire card.

The Zolve Azpire Card is a credit card. This means that the transactions on it count towards building your credit history.

To increase the credit limit, you can deposit money in the Azpire Deposit Account (using the routing number and account number given in your app/profile section). This money deposited will then be placed in a secured deposit account and the credit limit of your Azpire Card will be increased by the same amount up to a maximum limit of $10,000 in a billing cycle. Any amount in excess of $10,000 will stay in your Azpire Deposit Account which has banking functionalities (send money, receive money).

Any amount above the limit of $10,000 will remain in the Azpire Deposit Account.

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.

No, we don’t charge any APR or late fees on the Azpire card.

You need to provide your personal details, including but not limited to, an SSN, valid identity proof, and a U.S. residential address in your name in order to receive your Zolve Azpire Card.

You need to provide your personal details, a valid passport, and a valid long-term U.S. visa in order to receive your physical Zolve Azpire Card. You will also need to provide a valid U.S. residential address (and proof of address), in your name, within 90 days of account creation.

Absolutely! Our products are made so that you can enjoy great benefits even when you don’t have a credit history in the U.S.

You don’t need to be in the U.S. when applying for your Zolve Azpire account. However, you will also need to provide a valid U.S. residential address (and proof of address), in your name, within 90 days of account creation in order to receive your physical Zolve Azpire Card.

Yes, absolutely! Please refer to question 11 for further details.

To make the process seamless and just right for you, once you activate your card in the US, you can provide a valid U.S. residential address, in your name, to receive your physical Zolve Azpire Card.

No, you don’t need an SSN to apply for a Zolve Azpire Card. However, once you get an SSN, you can update and verify it within your Zolve profile.

We will report your credit history based on your name, address and date of birth. Once you receive your SSN, and you update and verify it within your Zolve profile, your past credit history will be linked to it. Future employers, landlords, and financial institutions will be able to search your entire credit history with your linked SSN.

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.

Azpire is a secured credit card with a limit equal to the amount deposited. Kindly deposit the money into your Zolve Deposit Account, and these funds will be secured and your limit will be automatically updated as per the amount deposited (up to a maximum limit of $10,000 per billing cycle).

Yes, absolutely! There are two ways you can do this:

  1. 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
  2. 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

We are pleased to inform you that your virtual Azpire card is activated automatically and verified by clicking a Selfie. You can then use your virtual card for online purchases and wallets (like Apple Pay or Google Pay) for NFC-enabled payments at offline stores. Once you initiate the physical Azpire card delivery (refer to question 15), it typically takes about 4-5 business days for the card to be delivered to your U.S address.

It typically takes 4 - 5 business days for the card to be delivered to your entered address. In the meantime, you can use your virtual card for online purchases and wallets for NFC-enabled payments at offline stores.

As of now, pulling the money (using ACH) from an Azpire Deposit account to an external account is not allowed. You can move money from your Azpire account to an external account by initiating a transfer from the Zolve app and putting the details of your external U.S account as the recipient

Autopay allows you to clear dues from your specified (designated) account without hassle. If you disable it, you will have to manually pay your Total Bill Amount, through an external account or Zolve checking account.

Azpire card is a secured credit card. If you have enabled autopay, your dues are paid out automatically either with the funds secured for that purpose (in which case your Credit Limit decreases), or by paying from an external account.

Your Azpire Card statement will be generated on the 15th of every month. The due date for the payment will be the 10th of the next month (after statement generation). You can pay off your Azpire Card using the secured funds (in which case your Credit Limit decreases) or from an external bank account.
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