A faster way to build your credit for free

Use debit to
build your credit1

  • Improve your credit score with your cash and day-to-day purchases
  • Check your credit score daily and watch it grow2
  • Get paid when your score goes up—up to $100 in 30 days3

Applying is free and there’s no credit check required!

Rocket blasting off above the clouds.
Rocket blasting off above the clouds.
How Sesame Cash credit builder works:
How Sesame Cash
credit builder works:
Improve your credit with the cash you have
Improve your credit with the cash you have
First, allocate cash towards credit builder—you pick the amount. Behind the scenes, we’ll open a virtual Secured Credit Card and update the bureaus to establish credit for you!
Improve your credit with the cash you have
Your everyday purchases grow your score faster
Your everyday purchases grow your score faster
Your everyday purchases grow your score faster
We’ll tally up some of your monthly debit purchases and report them on your Secured Credit Card. Every month we’ll update the bureaus with your on-time payments to keep building your credit history!
No fees, credit check or separate plastic card
No fees, credit check or separate plastic card
We believe building credit history should be fast, easy, and free—now it is.4 The best part? We’ll actually pay you as your score goes up!3
No fees, credit check or separate plastic card

Get paid when your score goes up—up to $100 in 30 days!3

Notification to show earned $10 for improving credit score by 10 points.
Notification to show earned $10 for improving credit score by 10 points.
$10
Earn $10 when you increase your credit
score by 10-99 points in 30 days!

How to start using credit builder:

Sesame Cash debit card

Get Sesame Cash today

To start growing your credit with debit, you’ll need a FREE Sesame Cash account4

Keep your money secure.

Add money to your account

Set up direct deposit or fund your account, so you’re ready to start using credit builder

Improve your credit score.

Start building your credit

Log into the Credit Sesame app and you’ll see an invitation to enable credit builder

Sesame Cash debit card

Get Sesame Cash today

To start growing your credit with debit, you’ll need a FREE Sesame Cash account4

Add money to your account

Set up direct deposit or fund your account, so you’re ready to start using credit builder

Start building your credit

Log into the Credit Sesame app and you’ll see an invitation to enable credit builder

It’s simply a better way to build your credit

With credit builder, you get ALL the score-boosting benefits of a secured card—and much more!1
Sesame
Cash
Traditional credit
building products
Use your Sesame Cash debit card1 Requires a secured card
No fees4 Fees vary
Avoid Debt Risk of racking up debt
Applying does not impact your credit score Hard inquiries can negatively impact your credit score
Get paid when your credit score goes up!3 Do not pay you when your score goes up
No interest Up to ~23%

What our members are saying

What our members are saying

Other perks of Sesame Cash

With Sesame Cash, you can transfer money, pay bills, and set aside savings without worrying about hidden account fees4. You get all the convenience of a debit account, plus exclusive features that help you reach your financial goals.

With Sesame Cash, you can transfer money, pay bills, and set aside savings without worrying about hidden account fees4. You get all the convenience of a debit account, plus exclusive features that help you reach your financial goals.

Credit score dial

See your score daily2

Refresh your credit score daily so you know exactly where you stand and score–up to $100 within your first 30 days.

Calendar

Get paid 2 days early5

Set up direct deposit to start getting paid up to 2 days earlier. No interest to pay back, no hidden fees, just more time with your money.

Coins and bills

Earn cash back on purchases6

Save when you shop with up to 15% cash back at participating retailers. New deals added in-app regularly!

Shield on a phone

$500 in device protection7

Breaking your phone shouldn’t break the bank. Enjoy up to $500 per year in device protection for qualified theft and damages. Absolutely free.

Over 235,000 5-Star reviews

We couldn’t find a debit account that offers no-fees, flexibility, and cash rewards for improving your credit score. So, we created one. See what our members are saying about their Sesame Cash mobile bank account.

Over 235,000 5-Star reviews

We couldn’t find a debit account that offers no-fees, flexibility, and cash rewards for improving your credit score. So, we created one. See what our members are saying about their Sesame Cash mobile bank account.

Over 235,000 5-Star reviews

We couldn’t find a debit account that offers no-fees, flexibility, and cash rewards for improving your credit score. So, we created one. See what our members are saying about their Sesame Cash mobile bank account.

5-star testimonials: Kristina, Amanda, and Aminah are excited about getting cash rewards for their improved credit. 5-star testimonials: Kristina, Amanda, and Aminah are excited about getting cash rewards for their improved credit.

Over 235,000 5-Star reviews

We couldn’t find a debit account that offers no-fees, flexibility, and cash rewards for improving your credit score. So, we created one. See what our members are saying about their Sesame Cash mobile bank account.

Got questions? We’ve got answers!

Got questions?

We’ve got answers!

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.

The cash you allocate to build credit is used as a security deposit for a virtual Secured Credit Card. Your virtual Secured Credit Card is designed to help increase your overall available credit and lower your credit utilization, which can lead to a higher score. All with the cash you have.

Like credit utilization, payment history also has a big impact on your credit. Combined, they account for about 65% of your score! As you make Sesame Cash debit purchases, we’ll create an identical balance on your virtual Secured Credit Card—and set aside money to pay it off. This happens behind the scenes, helping you demonstrate credit utilization and payment history we report to the bureaus. All with the day-to-day debit purchases you’re already making!

When you start using your virtual Secured Credit Card, we'll help you set your credit utilization limit. At the end of every month, we’ll 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.

Set your own utilization! With a traditional secured credit card, you can spend all your available credit and unknowingly impact your score. With your Secured Credit Card you’ll set your credit utilization limit up front and we’ll choose debit purchases to create a credit balance within that amount. No surprises, no interest—just credit building with the day-to-day debit purchases you’re already making!

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'll 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.

You can access your cash when you’re ready to use it, but you should allocate an amount you’re comfortable saving for up to 6 months.

Yes! Increasing your security deposit can lower your credit utilization and help improve your score. Your security deposit is still your money—it’s just set aside to build your credit and help you do more in the future.

You never want to overuse your available credit. Keeping your credit utilization below 30% helps demonstrate responsible usage and build positive credit history! For your virtual Secured Credit Card, that means choosing a utilization limit that’s 30% of your security deposit, or less.

Yes! You can change your utilization limit at any time within the Credit Sesame app. Updates to your utilization limit will be reflected right away, as long as changes are made 3 days (or more) before the end of the month.

You can withdraw your security deposit at any time by contacting our Customer Care team at 1-866-720-0893. While increasing your security deposit can lower your utilization and improve your score, withdrawing your funds too early can prevent your credit score from reaching its full potential!

Eligible Sesame Cash customers with a funded account will receive an in-app invitation. You must also be logged into the app on your device to open your virtual Secured Credit Card and view your details.

1Sesame Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). Building credit with Sesame Cash requires you to also open a virtual Secured Credit Card with CFSB that is reported to the credit bureaus. Use money from your Sesame Cash account to create a virtual Secured Credit Card. Your debit card purchases are then added up to create a balance on your virtual Secured Credit Card. As you make these purchases, an amount equal to the balance on your virtual Secured Credit Card is also set aside in your Sesame Cash account to ensure you can make timely payments to pay off the balance on your virtual Secured Credit Card 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 virtual Secured Credit Card 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.
2This is a limited time offer. To be eligible for daily credit score refreshes, a deposit of $100.00, every 30 days, must be made into your Sesame Cash account. Daily refreshes will appear within 24-48 hours of deposit.
3This is a limited time offer. To be eligible for cash rewards, a deposit of $100.00, every 30 days, must be made into your Sesame Cash account. Rewards earnings are available for credit score improvements of ten points or more within a 30-day reward cycle. Improvements are calculated from your baseline credit score, as determined by Credit Sesame. Please review the full program terms for more details.
4International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
5Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.
6Cash back offers are powered by Empyr, Inc. Cash back requires the activation of any active offer before payment is made. Payment must be processed as a credit transaction and made before the offer expires. Offers vary by geographic location and are subject to change. Please review the full program terms for more details.