Grow your credit score with your daily debit purchases1

No credit check required
No interest or account fees
No separate credit card
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Credit Sesame Terms of Use and Privacy Policy.

How credit builder works:

Step One

Get Sesame Cash for FREE

Claim your no-fee2 Sesame Cash debit card and add money to your account.
Step Two

Turn on credit builder1

Allocate part of your balance as a security deposit for a virtual line of credit.
Step Three

Use Sesame Cash debit

We’ll add the purchases to your line of credit each month and pay the balance on-time.
Step Four

Build positive credit history

Sit back—we’ll update the credit bureaus to build your credit history1 each month.

Us vs. ‘Them’

  • Use one debit card
  • No credit check
  • No account fees2
  • No interest
  • Need a physical credit card
  • Credit check needed
  • Account fees vary
  • Up to ~23% interest

Credit Builder is Free.
A better score saves you money!

Financing a Car / 72 Months / $30,000

Person 1

Credit Score: 600 Interest Rate: 11.03% Total Payments Made: $41,472

Person 2

Credit Score: 710 Interest Rate: 4.55% Total Payments Made: $33,984
A better score could help save you over $7,400 on your next car!
Based on 2020 automotive financing data by credit score band.

We help real people build credit quickly1

Here’s what our members are saying about Sesame Cash credit builder!
Here’s what our members are saying about Sesame Cash credit builder!

Get cash back on purchases3

With new cash back offers added regularly, you’ll always find ways to save on the brands you love.
Home Depot
Get up to 5.6% cash back!
Sam’s Club
Get up to 10% cash back!
Foot Locker
Get up to 1.4% cash back!

Get Your Direct Deposits
up to 2 Days Early4

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.

Check your credit score anytime

Curious about your progress? Refresh your score daily and watch it grow.

Get started with our FREE app

Build credit with debit1, see your
score, and manage your money. All in one app.


5-Star Reviews!
Five stars ratings
Build credit with debit1, see your score,
and manage your money. All in one app.

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. 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.

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 Secured Account, 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. Any changes made to your utilization limit at least 3 business days before the end of the month can be reported to the bureaus right away.

Building your credit is simple and easy with the free Credit Sesame app. You’ll be able to check your score daily, track your progress, and use Sesame Cash purchases to grow your score even more.

Download our iOS or Android app today!

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!

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 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.

2 International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may apply.

3 Cash back offers are powered by Figg, Inc. and Button, Inc. Cash back requires the activation of any active offer before payment is made. Offers vary by geographic location and are subject to change. Please review the full program terms for more details.

4 Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.