The only credit card that approves everyone.
Built for first-timers — so your score actually moves.
Everything working in your favour.
0% interest · 0 FX fee · no hidden fees. Subscription required.
Built for first-timers
Weekly repayment in full
Repay in full each week to stay on track and build regular repayment habits.
Use it anywhere
Mastercard, accepted worldwide
Reports to all 3
Decision in 60s
Soft check — no impact on your score.
Watch your score climb.
Every on-time payment is reported to all three bureaus — track the impact right in the app.
Approved in under a minute.
Check eligibility
A soft check that won't affect your credit score.
Decision in 60s
Fully automated — no long forms, no computers saying no.
Start building
Use your card, pay on time, watch your score move.
Manage every penny in the app.
Freeze your card, set your cap, and see your spending — all in a couple of taps.
Your credit journey starts here.
Not repaying on time will result in an adverse report to the credit reference agencies which may negatively impact your credit score.
Please note that the Bits Credit Card is not a regulated credit product as it is structured under exemptions in the Regulated Activities Order.
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 a trademark of Mastercard International incorporated.