Build Credit with Bits

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.

Easy signup

Easy signup

No long forms.

No computers saying no.
A few minutes to sign up.

No long forms.

No computers saying no.
A few minutes to sign up.

Get started

Reporting to Experian, Equifax and TransUnion

Reporting to Experian, Equifax and TransUnion

Reporting to Experian, Equifax and TransUnion

You can see your Bits account on ClearScore, Credit Karma, Experian, Equifax and TransUnion.

Educational Tools

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

"What happens if

I take out a phone contract"

Helps you learn

Get access to our library of education videos and a 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!

Excellent Customer Support

Luis, Vasco and Marina are here to support you, however you want. Email, phone, whatever you prefer.

Get support

Quick support

Luis, Vasco and Marina are here to support you, however you want. Email, phone, whatever you prefer.

Get support

We've just reported

your credit to the top

three bureaus!

Before you start:
Understand the benefits.
Know the risks.

Before you start:
Understand the benefits.
Know the risks.

We're here to help you build your credit with 0% interest and 0 hidden fees. However, signing up does come with risks - click below to familiarise yourself before signing up.

We're here to help you build your credit with 0% interest and 0 hidden fees. However, signing up does come with risks - click below to familiarise yourself before signing up.

Learn more

How the 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)


  • We take a continuous payment authority (CPA) from you which you can cancel or change any time by emailing or calling us


  • 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.


  • 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)


  • We take a continuous payment authority (CPA) from you which you can cancel or change any time by emailing or calling us


  • 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.


A simple and easy way to start building your credit.

Start building credit today.

Get started

400,000

People using Bits

1M+

Credit reports sent

4.3 / 5 ⭐️

on Trustpilot

400,000

People using Bits

1M+

Credit reports sent

4.3 / 5 ⭐️

on Trustpilot

400,000

People using Bits

1M+

Credit reports sent

4.3 / 5 ⭐️

on Trustpilot

Start building credit today

Get the app

Fea Card Limited


© Fea Card Limited, 2018 - 2024

Camden Gateway, 349 Royal College Street

London, England, NW1 9QS

hello@getbits.app
0207 438 2090


Bits is the trading name of Fea Card Limited, company number 11620703, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide credit information services, credit broking services and lending. Bits is also a member of CIFAS (the UK's leading fraud prevention service) and registered with the Information Commissioner's Office with registration number ZA507202.


Please note that some of the regulatory permissions we have carry limitations, which are stated on the FCA website. Furthermore, you should be aware that we also offer some services which are not regulated, as they are structured under exemptions in the Regulated Activities Order. To understand which of our services are regulated and which ones aren't, please look at the Regulatory Status page on our website. Our core services, which are the Bits Subscription, Bits Credit Card and Bits Store Card are not regulated, and this means you will not, as a consumer, have protections that typically come with a regulated product.


In addition to the above, Fea Card Limited is also an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Fea Card Limited as its agent. Specifically, this permission is used for our rent reporting service.

Start building credit today

Get the app

Fea Card Limited


© Fea Card Limited, 2018 - 2024

Camden Gateway, 349 Royal College Street

London, England, NW1 9QS

hello@getbits.app
0207 438 2090


Bits is the trading name of Fea Card Limited, company number 11620703, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide credit information services, credit broking services and lending. Bits is also a member of CIFAS (the UK's leading fraud prevention service) and registered with the Information Commissioner's Office with registration number ZA507202.


Please note that some of the regulatory permissions we have carry limitations, which are stated on the FCA website. Furthermore, you should be aware that we also offer some services which are not regulated, as they are structured under exemptions in the Regulated Activities Order. To understand which of our services are regulated and which ones aren't, please look at the Regulatory Status page on our website. Our core services, which are the Bits Subscription, Bits Credit Card and Bits Store Card are not regulated, and this means you will not, as a consumer, have protections that typically come with a regulated product.


In addition to the above, Fea Card Limited is also an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Fea Card Limited as its agent. Specifically, this permission is used for our rent reporting service.

Start building credit today

Get the app

Fea Card Limited


© Fea Card Limited, 2018 - 2024

Camden Gateway, 349 Royal College Street

London, England, NW1 9QS

hello@getbits.app
0207 438 2090


Bits is the trading name of Fea Card Limited, company number 11620703, which is authorised and regulated by the Financial Conduct Authority (FRN:946683) to provide credit information services, credit broking services and lending. Bits is also a member of CIFAS (the UK's leading fraud prevention service) and registered with the Information Commissioner's Office with registration number ZA507202.


Please note that some of the regulatory permissions we have carry limitations, which are stated on the FCA website. Furthermore, you should be aware that we also offer some services which are not regulated, as they are structured under exemptions in the Regulated Activities Order. To understand which of our services are regulated and which ones aren't, please look at the Regulatory Status page on our website. Our core services, which are the Bits Subscription, Bits Credit Card and Bits Store Card are not regulated, and this means you will not, as a consumer, have protections that typically come with a regulated product.


In addition to the above, Fea Card Limited is also an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through Fea Card Limited as its agent. Specifically, this permission is used for our rent reporting service.