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No credit check needed to see if you qualify

No credit or
low credit?

Build or rebuild your credit. Options start with payments as low as $5 per month. Find your path forward with Seen.

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Explore products for
building credit

See if you prequalify. We'll find your fit. Whether it's the Seen Secured Mastercard® or Seen Credit Account, both are designed to help you move forward confidently. Start building credit today.

Seen Credit Account Building credit

Build credit with a structured, no-hassle plan¹

  • No credit check needed
  • Payments as low as $5 per month ($60 annual plan purchase)
  • $1,500 credit line reported to national credit bureaus¹
  • Seen Store ebook purchases
  • Free credit score monitoring
  • No fees, APR, or interest charges
  • No penalty for cancellation
Seen Credit Account card art
See If I Prequalify
Important Disclosures Rewards Terms
Seen Credit Account

Build credit with a structured, no-hassle plan¹

A simple, low-effort way to build credit.¹ Get started on your credit-building journey with payments as low as $5 per month.

  • No credit check needed Checking to see if you prequalify or completing an application won't impact your credit score.
  • Payments as low as $5 per month When you sign up, you'll make an initial $60 plan purchase, financed through a dedicated $1,500 line of credit to the Seen Store. Make monthly payments as low as $5.
  • Build or rebuild credit We report your $1,500 credit line to national credit bureaus. With responsible use and on-time payments, you can establish and grow credit.¹
  • Buy-one-get-one ebook offer You can use the credit line to buy financial literacy ebooks through the Seen Store. On your first ebook purchase, buy one ebook and get a second one free.
  • Free credit score monitoring Stay on top of your credit. Easily check and track your credit score in the Seen mobile app.
  • No penalty for cancellation You can choose to renew your plan every 12 months or cancel any time, without penalty.
Seen Secured Mastercard® Building credit

Access credit with a refundable deposit

  • Credit limit up to $1,000 with a matching security deposit
  • 1% cash back on payments
  • $25 annual fee
  • Build or rebuild credit¹
  • 35.99% APR
  • Mastercard® security
Seen Secured Mastercard® card art
See If I Prequalify
Important Disclosures Rewards Terms
Seen Secured Mastercard®

Access credit with a refundable deposit

If approved, build or rebuild your credit and enjoy everyday spending everywhere Mastercard® is accepted.¹

  • Credit limit up to $1,000 Make a one-time, fully refundable security deposit that becomes your credit limit.
  • 1% Cashback Rewards Earn 1% cashback in the form of a statement credit as you repay your purchases.⁴
  • Build or rebuild credit¹ We report to national credit bureaus. With responsible use and on-time payments, you can establish and grow credit.¹
  • Mastercard® security Spend with confidence knowing you're backed by Mastercard's global security network, Mastercard® ID Theft Protection™ and Mastercard® Zero Liability protection. Learn more

Find your credit-building match

Prequalify with no credit score impact and see what you're eligible for.

See If I Prequalify

How Seen Credit Account works

A low-effort, low-cost way to help build or rebuild credit. Set-it-and-forget-it ease.

Get started with a $5 payment

Sign up with a $60 annual plan purchase paid monthly for as low as $5. Financed through your credit line.

Credit Account plan setup screen

Establish Seen tradeline

Get a $1,500 credit line exclusive to the Seen Store. Payment activity reported to national credit bureaus.¹

Credit line reported to bureaus

Build or rebuild credit¹

Your on-time payments and responsible use of credit may help you build and grow credit over time.¹

Credit score improvement over time

Building a better
credit score

Building credit starts with consistent, responsible credit use. Your credit score is based on the information in your credit report – a record of how you manage money. Here are the top factors that make up your credit score.

Payment history

How promptly you pay your bills affects your score the most.

Amounts owed

How much of your available credit are you using?

Length of credit history

The longer you've been using credit responsibly, the more it may boost your score.

Credit mix

A healthy mix of different types of credit, such as credit cards and auto loans, can positively affect your score.

New credit

Frequently applying for new credit can temporarily lower your score.

Questions before
you prequalify?

We've got answers to help you move forward with confidence.

Get Answers
What does it mean when it says that I am pre-approved or pre-qualified for a Seen Mastercard®?

Pre-approval or pre-qualification means you've been identified as potentially eligible for the Seen Mastercard® based on information in your credit file. It does not guarantee final approval.

Will applying for a Seen Mastercard® require a hard credit check?

Checking if you prequalify uses a soft pull which does not affect your credit score. A hard inquiry is only made when you submit a full application.

Is Seen Mastercard® an unsecured credit card?

Yes, the Seen Mastercard® is an unsecured credit card. No security deposit is required to open your account.

Why should I get the Seen Mastercard®?

Seen Mastercard® is designed for people looking to build or rebuild their credit. It reports to all three major credit bureaus and offers transparent fees with no hidden charges.

Why can't I get approved for a credit card?

There are many reasons a credit card application may be declined. Common factors include credit history, income, and existing debt. Seen is designed for those with limited or challenged credit.

How can I get a credit card with a low credit score?

Seen Mastercard® is designed for people with low or no credit scores. Check if you prequalify with no impact to your credit score.

What credit score do I need for a credit card?

There is no minimum credit score requirement to check if you prequalify for Seen Mastercard®. We consider many factors beyond just your credit score.

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Start building
your credit
today

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