taboola code

You Deserve More
Credit.

Build credit, earn cash back¹, and get a deposit bonus², all under one account with Cheese.

Cheese Credit Builder

Wealth Manager - Fintech X Webflow Template

Cash Back on Every Purchase

Purchases made with Cheese will not only help you build credit, but also earn you up to 10% cash back¹. No clicks, no activation, just straight cash, all automatically.

Credit Card Icon - Fintech X Webflow Template

Instant Virtual Card

Once you onboard, a virtual Mastercard will be issued to your instantly. Use it like a normal debit card (plus a credit line) or add it to your digital wallet.

Credit Card Icon - Fintech X Webflow Template

Deposit Bonus

Make your deposit work for you! Cheese provides deposit bonuses that are higher than traditional banks³. Get up to 3% deposit bonus.

Why Cheese

Cheese: a convenient and delightful way of building credit.

Deposit
Credit Impact
Ease of Use
Credit Utilization Control
Instant Cash Back up to 10%
Deposit Bonus up to 3%
More Perks to Discover
Other Traditional
Secured Credit Card³
Users:
required before use
Credit Limit:
limited impact
multiple accounts and cards.
Investment Accounts:
Invest in stocks:

Security and support
you can count on

Zero Liability Protection

Your purchases and transactions are 100% protected.
Your account is safeguarded with 256-bit encryption.

One-Click Card Freeze

If for any reason you need to freeze your account, you can freeze/unfreeze instantly in our app. Anytime, anywhere.

FDIC-Insured⁵

Your Cheese account is protected for up to $250,000.

Live Chat

Get support from real people. No more robots.

Start your credit journey
in less than 5 minutes

Establishing or rebuilding your credit is easier and more accessible than you think.

01

Join Cheese

Download the Cheese mobile app and sign up in less than 5 minutes! If you don’t have a SSN, you could also easily apply with a valid U.S. address, passport and visa.

02

Set up Credit Builder

No credit check, no credit history, and no initial deposit required. Get issued an initial credit limit once you complete your set up and watch it grow every month!

03

Enjoy Cheese Banking!

Your virtual card will be available to you instantly. Enjoy cash back on your Cheese purchases. Meanwhile, we’ll report your account behaviors for a credit building opportunity.

01

What if I don't have SSN? Can I apply?

Yes, of course! No SSN required.

02

What if I don't have a credit score at all?

Cheese will help you establish and build up your credit profile. Once you have a SSN in the future, your credit score and history will become visible.

03

Will it require a credit check to apply?

No. We don’t check your credit score when you apply for Cheese Credit Builder.

04

Will I get another card if I apply for Cheese Credit Builder?

No. You will be using your Cheese Debit Card to make purchases, receive cash back and make credit payments. All in one card. Banking should be this easy.

Apply with confidence

Join over 50,000+ members using Cheese, today!

  • Build credit & earn cash back

  • No credit check, no minimum deposit required

  • FDIC-insured

© 2019-2021 Extra Financial Inc. (DBA Cheese) SEE Privacy Policy

¹CHEESE OFFERS A BASIC 0.25% CASH BACK ON ALL ELIGIBLE PURCHASES WITH A DAILY $10 TOTAL REWARD CAP. IN CERTAIN CASES, CHEESE MAY PARTNER WITH SELECTED VENDORS TO OFFER ADDITIONAL CASH BACK REWARDS ON ELIGIBLE PURCHASES FOR UP TO 10%. PLEASE REFER TO CHEESE’S MOBILE APPLICATION FOR A COMPLETED LIST OF PARTICIPATING VENDORS AND CURRENT CASH BACK INCENTIVES. ADDITIONAL TERMS, CONDITIONS, AND EXCLUSIONS APPLY AND CAN BE FOUND IN THE CHEESE TERMS AND CONDITIONS AGREEMENT.
²CURRENTLY, CHEESE OFFERS A BASIC 0.3% (ANNUAL RATE) SIMPLE DEPOSIT BONUS. EACH USER IS ELIGIBLE FOR A BONUS EQUAL TO 0.3% (ANNUAL RATE) OF THEIR DAILY BALANCE. THERE IS NO MINIMUM BALANCE REQUIRED TO EARN THIS BONUS, AND IT IS CREDITED TO THE USER’S CHEESE ACCOUNT ON THE FIRST DAY OF THE FOLLOWING MONTH. THE EXACT SIMPLE CALCULATION OF THIS DEPOSIT BONUS IS YOUR DAILY BALANCE IN THE CHEESE ACCOUNT X 0.3% / 365. ADDITIONAL TERMS, CONDITIONS, AND EXCLUSIONS APPLY AND CAN BE FOUND IN THE CHEESE TERMS AND CONDITIONS AGREEMENT.
³FOR MORE INFORMATION ABOUT TRADITIONAL SECURED CREDIT CARDS IN BUILDING CREDIT, PLEASE CLICK  HERE.
⁴For More Information Regarding Zero Liability Protection, Please Visit MASTERCARD BENEFITS.
⁵Banking Products And Services Are Provided By Coastal Community Bank, Member FDIC. See Privacy Policy . Cheese Accounts Are FDIC-Insured Up To $250,000 Per Depositor Through Coastal Community Bank, Member FDIC. The Cheese Debit Card Is Issued By Coastal Community Bank, Pursuant To License By Mastercard International.