Build Credit with Bits


300,000+ users.

Backed by Y Combinator.

One monthly subscription, that's it.



300,000+ users.

Backed by Y Combinator.

One monthly subscription, that's it.


NOV 22
Successful Credit Report

No hard checks.
No interest.
Just building your future.

No hard checks.
No interest.
Just building your future.

0% Interest, 0 hidden fees. All in all, that's a lot of credit.

Not repaying on time will result in an adverse report to the credit agencies which may negatively impact your credit score.

Sign up

Everyone's approved.

Everyone's approved.

No long forms. It takes 3 minutes to sign up, and thats it.

Sign up

Build credit with Experian, Equifax and TransUnion

Reporting to ClearScore, Credit Karma, Experian, Equifax and TransUnion.

Bits Education

Get access to our library of educational videos, and our credit score simulator.

"What happens if

I take out a phone contract"

Bits Education

Get access to Bits Credit Education, and our credit score simulator.

"What happens if

I take out a phone contract"

Woman using a mobile phone
Woman using a mobile phone

We've just reported

your credit to the top

three bureaus!

Bits Support

Get in touch

Bits Support

Get in touch

We've just reported

your credit to the top

three bureaus!

How the Bits Store Card works.

How the Bits Store Card works.

  • Bits provides you with a digital store card

  • You pay your balance on a monthly basis (single bullet repayment), which we report to the credit referencing agencies (CRAs)

  • Using the card / shopping with it is completely optional - you don't have to do it.


  • This helps you build credit by:

    • Building a history of payments

    • Increasing your total credit limit

    • Increasing the average age of your accounts


  • Your repayment history accounts for 35% of your credit score(s) and this is the primary lever through which Bits builds credit. Please note we are obliged to report missed or late repayments, so not paying back on time will negatively affect your score.


Sign up

A simple and effective way to build your credit.

Start building credit today.

Or start on web

300,000

People using Bits

1M+

Credit reports sent

4.4 / 5 ⭐️

on Trustpilot

Start building credit today.

Start building credit today.

Build your future. It only takes three minutes.

Sign up

Fea Card Limited


© Fea Card Limited, 2018 - 2023

1 Hallswelle House, Hallswelle Road,
London, NW11 0DH, United Kingdom

hello@getbits.app
0207 438 2090


Bits is powered by Fea Card Limited, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide you with your credit score -- referred to as providing credit information services. Please note that Bits’ credit building service is exempt from FCA regulation (please visit our FAQs for more information).


Not repaying on time will result in an adverse report to the credit agencies which may negatively impact your credit score.

Fea Card Limited


© Fea Card Limited, 2018 - 2023

1 Hallswelle House, Hallswelle Road,
London, NW11 0DH, United Kingdom

hello@getbits.app
0207 438 2090


Bits is powered by Fea Card Limited, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide you with your credit score -- referred to as providing credit information services. Please note that Bits’ credit building service is exempt from FCA regulation (please visit our FAQs for more information).


Not repaying on time will result in an adverse report to the credit agencies which may negatively impact your credit score.