the ava card
‍build credit history the responsible way

No interest. No deposits.

Get Started
A black man smiling and holding a dog in his hands

Right credit limit for you

The Ava Credit Builder Card’s limit is based on your spending habits. Spend responsibly, make payments on time and see your credit history soar!

No interest

Use your Ava Credit Builder Card to pay subscriptions and bills you’re already paying for, with no interest and no additional card fees, ever.

Reports to all bureaus

We’ll report to all 3 major credit bureaus within 24 hours of each payment you make, so you can sit back and watch your credit history climb, fast.

Use everyday bills to grow your credit

Use your Ava Credit Builder Card to pay for your bills from any of the merchants below.

See Merchants
YouTube Premium
Zeus Network
Xbox Live
Xfinity Mobile
Walmart+
Whoop
Visible Wireless
Verizon
Viewbug
Ultra Mobile
Spytec GPS
TradingView
TMobile
Sprint Wireless
Starz Entertainment
Spotify
Spectrum
Sling TV
SiriusXM
SHOWTIME
Safe Splash Swim School
Peacock TV
Playstation Plus
Paramount+
OnStar
Pandora
Nintendo Switch
Netflix
Lyrick Studios
LiveMe
IPSY
Hulu
HBO Max
Google Storage
HP Instant Ink
Funimation
GEICO
Every Plate
FPL
ESPN+
Discovery+
Disney+
Deezer
Cox Communication
Boxy Charm
Cerebral
Canva
BET+
AWS GuardDuty
Audible
Apple TV+
Apple One
Apple Music
Apple News
Apple iCloud
Apple Arcade
Amazon Ring
AMC
Apple Fitness
Amazon Prime
Amazon Blink
Allstate
24 Hour Fitness
Amazon Kids+
ABC Mouse
Alder
YouTube Premium
Zeus Network
Xbox Live
Xfinity Mobile
Walmart+
Whoop
Visible Wireless
Verizon
Viewbug
Ultra Mobile
Spytec GPS
TradingView
TMobile
Sprint Wireless
Starz Entertainment
Spotify
Spectrum
Sling TV
SiriusXM
SHOWTIME
Safe Splash Swim School
Peacock TV
Playstation Plus
Paramount+
OnStar
Pandora
Nintendo Switch
Netflix
Lyrick Studios
LiveMe
IPSY
Hulu
HBO Max
Google Storage
HP Instant Ink
Funimation
GEICO
Every Plate
FPL
ESPN+
Discovery+
Disney+
Deezer
Cox Communication
Boxy Charm
Cerebral
Canva
BET+
AWS GuardDuty
Audible
Apple TV+
Apple One
Apple Music
Apple News
Apple iCloud
Apple Arcade
Amazon Ring
AMC
Apple Fitness
Amazon Prime
Amazon Blink
Allstate
24 Hour Fitness
Amazon Kids+
ABC Mouse
Alder

One of the highest rated credit building apps

Rated 4.9 stars
from 13K+ reviews
on App Store
“

Ava is amazing"

Such a great app to build your credit score. I've been doing it for 4 to 6 months nothing but great results and my credit score has gone up 80 points. Easy, just keep making on-time payments which will boost your credit score!! I love this app thank you all so much for this!!

App Store review by James092419
“

Best app ever"

Best credit app ever boosted my score 56 points in one month. It reports to all 3 credit bureaus super fast. Totally worth it and you build and save at the same time. No interest rates either.

App Store review by Best cb
“

This is a must download!

Wow, what an amazing app! My score went up 110 points in one month. I highly recommend.

App Store review by TH3 FR34K
“

Score went up 70 points in the first couple weeks”

Highly recommend. My score boosted 70 points already plus it helps my utilization on my credit report. Definitely should use this as a tool or at least to help you understand credit a little better.

App Store review by Bruhman1992
“

Credit Score Rocket”

I increased my score by 132 points in one month alone!

App Store review by Monica Parish
“

53 point boost in two months!”

Was a little skeptical at first but after using it the last couple of months my score jumped 53 points! I would highly recommend.

App Store review by Rodman277
“

A must have!!!!!!"

This account is amazing! It's perfect for people who don't want to get stuck with credit cards you can use on any occasion. Somehow you end up spending more in interest and getting further behind. I have had this app for only a month and my credit has already gone up 37 points!

App Store review by gaminmomma38
“

Take a chance"

I've tried many but this one by far has worked better for me. Thanks again Ava for making my dreams come true! My credit score has already gone up 40 points. I will definitely refer family and friends.

App Store review by Stephanie Zuccarello

frequently asked questions

We’re here to help you navigate the complicated world of credit, in a simple way.

All FAQs

How does the Ava Credit Builder Card work?

Why does Ava exist?

How do you handle data and security?

Which Credit Bureaus do you report to?