See your score right away and refresh it daily for free
Get the most complete view of your credit score for free
See the factors impacting your credit score for free
Get updated about changes to your credit profile for free
See cards based on your chance of approval
Find credit card offers with a high chance of approval. Save time, avoid negative marks, and find the right card for you.
Looking for a new loan? We can help.
See what your credit score can unlock for you. Check your score in seconds and browse available offers.
A digital debit account that helps you save more money.
Build credit history with your daily debit purchases. No credit check required.
Looking for insurance? We can help.
See what your credit score can unlock for you. Check your score in seconds and browse available offers.
With our patented Sesame Credit Builder, paying for things like gas, groceries, or monthly bills can automatically grow your score.1
By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.
Grow your credit score with your daily debit purchases.1 Save more money in the long run with a better credit score.
No credit check. No security deposit.1 No debt or interest. Instant approval. Fees may apply.2
This is your account balance used for debit purchases and monthly spending.
Use your card for debit purchases like groceries, subscriptions, utilities, and everything in between.
We report your spending as on-time payments to build your credit history.
No credit check. No security deposit.1 No debt or interest. Instant approval. Fees may apply.2
This is your account balance used for debit purchases and monthly spending.
Use your card for debit purchases like groceries, subscriptions, utilities, and everything in between.
We report your spending as on-time payments to build your credit history.
By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.
See why Sesame Credit Builder is the better option.
By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.
By clicking on the button above, you agree to the
Credit Sesame Terms of Use and Privacy Policy.
Secure
Free
Helpful
Rewarding
Necessary
Savings
Free
Fast
Free
Fast
Easy
Helpful
Secure
Secure
Fast
Easy
Secure
We always treat your data as
if it were our own
We protect your
data with 256-bit encryption
We do not sell your personal
info to third parties
Get some tips or gain some insight into improving your credit score. We have tons of resources to help.
Sesame Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). To build credit with Sesame Cash, you must also open a virtual secured account with CFSB that is reported to the credit bureaus. There is no upfront security deposit required. Instead, the balance on your virtual secured account will be securitized around the time of each transaction. To start building credit, deposit money into your Sesame Cash account and start using your debit card. Your debit card purchases will then create a balance on your virtual secured account, and funds in your Sesame Cash account, equal to this balance, will be set aside as a security deposit to pay off the balance at the end of each month. This means you will always have enough money at the end of the month to make timely payments, allowing you to build a positive payment history. Credit Sesame does not guarantee your credit score will improve. To see any credit score improvement from the use of your virtual secured account you must also maintain other healthy credit habits, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning, and more.`
Our Credit Builder enables you to use your cash to build credit. All you need to do is add funds to your Sesame Cash account and use your card for your daily transactions. Your debit card purchases will then create a balance on your virtual secured account, and funds in your Sesame Cash account, equal to this balance, will be set aside as a security deposit to pay off the balance at the end of the month. This allows you to build a positive payment history which will then be reported to all 3 credit bureaus. Unlike other credit building programs, our program does not require an up-front security deposit or utilization limit, making it a hassle-free option for those looking to improve their credit score.
Our Credit Builder allows you to build your credit without needing an up-front security deposit. By using your Sesame Cash card for daily purchases, you can establish a positive payment history reported to all 3 credit bureaus. Our Credit Builder open credit system is designed to encourage responsible usage which helps to increase your credit score.
When you use your Sesame Cash debit card to make purchases, those transactions are reported to the credit bureaus to help establish a positive credit history. By reporting your spending behavior and payment history, the credit bureaus can create a credit report that reflects your creditworthiness and helps build your credit.
A secured credit card requires you to provide a security deposit upfront, which is used as collateral against the credit line. The credit limit is typically equal to the amount of the security deposit, and you must make payments on time and keep your balance low to establish a positive credit history.
In contrast, our Credit Builder account does not require an up-front security deposit and users securitize as they go. The program is designed to encourage you to use your Sesame Cash card on a day-to-day basis, and as you make transactions, money is put aside to build your credit. The money spent goes into a vault account, which is used to pay off your credit builder balance.
We update the credit bureaus regularly, and you could see a higher credit score as soon as next month!
Our Credit Builder account does not come with any fees or interest payments. However, in order to use Credit Builder you must have a Sesame Cash account which may have fees.
Sesame Cash fees include a $9.99 monthly fee (“Monthly Fee”) and a $3 monthly inactivity fee (“Inactivity Fee”). However, we may waive these fees as follows: To qualify for the waiver of the Monthly Fee, you must either deposit $500 into your Sesame Cash account through direct deposit or spend $1,000 each month with your Sesame Cash account. Spending can be satisfied either through point of sale transactions or by using your Sesame Cash card to pay your bills. To qualify for the waiver of the Inactivity Fee, there must be money movement or a purchase made with your Sesame Cash account at least once within a 30-day rolling period. As a courtesy, we will not charge you the Monthly Fee or the Inactivity Fee within the first 30 days of account opening. Review the Sesame Cash Cardholder Agreement for the full fee schedule and additional details. International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may also apply.
Our Credit Builder does not require an up-front security deposit to get started, and there is no minimum amount that you need to add to your account. However, it’s important to ensure that you have enough funds in your account to make purchases.
You cannot access the money in the account vault as it is meant to be used to pay off your Credit Builder balance. The account vault is where the money you spend using your Sesame Cash debit card is held until it’s needed to pay off your credit builder balance.
With our Credit Builder, you can start building your credit without needing to make an up-front security deposit. Although there is no upfront security deposit required to use the Secured Card, you will be required to hold a security deposit account to securitize your debt as it is incurred and separately pay off the balance on your Credit Builder account in full every month. Funds from your Sesame Cash account will be used to securitize transactions made on your Credit Builder account.
No, you do not need to set a credit utilization limit with our Credit Builder account. This is because the program is designed as an open credit system, meaning there is no preset credit limit. Instead, you can spend as much as you want up to the available balance in your Sesame Cash account (following our cardholder agreement limits).
The primary difference between our Credit Builder 1.0 and Credit Builder 2.0 is the requirement for an up-front security deposit. Credit Builder 1.0 required customers to make an up-front security deposit to open a credit builder account, while Credit Builder 2.0 does not.
Another difference between the two programs is that Credit Builder 2.0 is an “open credit” system, meaning there is no limit to what customers can spend on their Sesame Cash program (following our cardholder agreement limits). With Credit Builder 1.0, customers had to choose a utilization limit based on their security deposit.
There’s a lot that goes into calculating your credit score, but one of the biggest factors is your credit utilization, or the percentage of available credit you’re using. When you move money from your Sesame Cash account into credit builder, it becomes a security deposit for a virtual Secured Credit Card we’ll report to the credit bureaus. Your virtual secured credit card can help increase your overall available credit and lower your credit utilization, which can lead to a higher score—all with the cash you have.
After activating credit builder, each month we’ll look for Sesame Cash debit purchases that total the utilization limit you set. We recommend no more than 30% of your security deposit—so if your initial deposit is $100, your utilization limit should be $30, or less.
As you shop with Sesame Cash throughout the month, we’ll add purchases to credit builder to create your credit balance. With automatic credit builder, we’ll pay this balance on-time and in-full, and update the bureaus about your utilization and payment history. This all happens behind the scenes, while you use your Sesame Cash debit card!
When you start using your Secured Account, we’ll help you set your credit utilization limit. At the end of every month, we’ll automatically look for Sesame Cash debit purchases that total the amount you choose—not a cent more.
Your virtual Secured Credit Card gives you the credit building benefits of a traditional secured card through the use of your Sesame Cash debit card—there’s no separate plastic card! Fund your security deposit from your Sesame Cash debit card, and start making purchases to help to build your credit history.
Another benefit of the builder account is your ability to set up your own utilization. With a traditional secured credit card, you can spend all your available credit and unknowingly impact your score. With your virtual Secured Credit Card, you’ll set your credit utilization limit up front and we choose debit purchases that create a credit balance within that amount. No surprises, no interest—just credit building with the daily debit purchases you’re already making!
And with credit builder, there’s less risk with automatic payments enabled! When you set up automatic payments, we’ll pay off your full balance every month. When we tally up Sesame Cash purchases to create a balance on your Secured Credit Card, we’ll set aside money to pay it off too. Since you already paid with debit, we’ll stash this money so it’s ready to pay your full statement on time at the end of each month!
We update the credit bureaus regularly, and you could see a higher credit score as soon as next month!
There are no fees or interest payments associated with your virtual Secured Credit Card. The money you set aside is simply used as a security deposit to begin building your credit, and you can access it when you need it! Paying off your balance doesn’t cost you additional money either.
To open your virtual Secured Credit Card, you’ll be asked to make a minimum security deposit from your Sesame Cash account. Increasing this amount can lower your credit utilization even more and help improve your score.
1 Sesame Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). Building credit with Sesame Cash requires you to also open a secured line of credit with CFSB that is reported to the credit bureaus. Use money from your Sesame Cash account to create a secured line of credit (Secured Account). Your debit card purchases are then added up to create a balance on your Secured Account. As you make these purchases, an amount equal to the balance on your Secured Account is also set aside in your Sesame Cash account to ensure you can make timely payments to pay off the balance on your secured line of credit at the end of each month, allowing you to build a positive payment history. Credit Sesame does not guarantee credit score improvement. Any predicted credit improvement from the use of your Secured Account assumes that you will maintain healthy credit habits, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning, and more.
2 Sesame Cash fees include a $9.99 monthly fee (“Monthly Fee”) and a $3 monthly inactivity fee (“Inactivity Fee”). However, we may waive these fees as follows: To qualify for the waiver of the Monthly Fee, you must either deposit $500 into your Sesame Cash account through direct deposit or spend $1,000 each month with your Sesame Cash account. Spending can be satisfied either through point of sale transactions or by using your Sesame Cash card to pay your bills. To qualify for the waiver of the Inactivity Fee, there must be money movement or a purchase made with your Sesame Cash account at least once within a 30-day rolling period. As a courtesy, we will not charge you the Monthly Fee or the Inactivity Fee within the first 30 days of account opening. Review the Sesame Cash Cardholder Agreement for the full fee schedule and additional details. International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may also apply.
