Build credit
with confidence.
The credit card built for first-timers. Instant decisions, manageable limits, and real bureau reporting — so your score actually moves.
Built for first-time credit. Designed to grow with you.
A real Mastercard you can use anywhere. Start with a manageable limit, build your credit file with every payment, and unlock a higher limit as your score grows.
Please note that the Bits Credit Card and Store Card are unregulated as they are structured under exemptions in the Regulated Activities Order. Your repayments on these products will be reported as-is; if you don’t pay on time your score may go down.
This card is issued by Transact Payments Limited pursuant to licence by Mastercard International. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Services Commission.
Mastercard is a registered trademark and the circles design is trademark of Mastercard International incorporated.
Pricing and limits subject to terms. Missed repayments may negatively affect your credit score.
Every step of your credit journey,
in one app.
From application to score tracking to savings — everything you need to build credit, designed to feel effortless.
Watch your score move, every month.
We report your account activity to Experian, Equifax & TransUnion every month. As you make on-time payments, you'll see the impact on your score directly in the app — no waiting, no guessing.
A missed payment is reported too and will negatively impact your score.
Get an eligibility decision in under 60 seconds.
Fully automated. No phone calls, no long forms. Checking eligibility is a soft check — it won't affect your credit score. You'll only get a hard check when you formally accept the offer. UK 18+ with a valid ID.
Save up to 5% in the Bits Store.
Spend in the Bits Store and the savings are applied directly to your purchases — not paid out as cash.
Shop and save, built right into the app.
Shop gift cards and everyday essentials at lower prices, directly from the app. Pay 70% upfront and 30% on your Store Card — every payment is reported to all three bureaus.
Get the Store Card today.
The Credit Card within 60 days.
Every Bits member gets the digital Store Card straight away. Keep up regular repayments and you'll get the physical Bits Credit Card within your first 60 days — usable anywhere Mastercard is accepted.
Savings in the Bits Store apply to the maximum plan; lower plans have lower discounts.
Not repaying on time will result in an adverse report to the credit agencies and may negatively impact your credit score.
Please note that the Bits Credit Card and Store Card are unregulated as they are structured under exemptions in the Regulated Activities Order. The card is issued by Transact Payments Limited pursuant to a licence by Mastercard International. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Services Commission.
4.6 out of 5
from our members.
“Honestly didn't expect support to actually reply to my chat at 9pm. The lady walked me through setting up direct debit step by step. First time I've felt like a bank actually wants to help me, not catch me out.”
“Score went up about 80 points in six months. I missed one payment early on and it dropped a bit, but the app sent me reminders and it bounced back. Not magic, but it works if you stick to it.”
“I use the store card mostly for Aldi vouchers. The savings are actually applied at checkout which I wasn't sure about at first. Slow build but I can see the difference on my Experian.”
“Card came in 3 days. The eligibility check didn't hit my score which is what I was worried about. Just a soft check at first. Limit started at £100 — small, but exactly what I needed.”
“App is straightforward, no weird upsells. Only thing I'd say is the weekly payment thing took me a minute to get used to, but it's actually helped me budget better than monthly.”
“I tried two other credit-builders before this and neither did anything for my score. Bits is the first that actually reported and the change showed up on my file. Wish I'd found it sooner.”
Start your credit journey today.
Free to check eligibility. Soft credit check only — it won't affect your score. Read the important information before you apply.