Credit Help, No Judgment

Overlooked by your bank?
We’re here for the 100+ million Americans banks ignore. Find tools, cards, and guidance to build credit and unlock real options.

Special Guides

Your Path to Better Credit Starts Here

Start Your Credit History

Check out our guide to the best way to start building credit: Secured Credit Cards.

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Get Emergency Funds

Find out how to get quick access to money, while avoiding traps of payday loans.

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Rebuild Your Credit Score

Get guidance with a step-by-step Comeback Plan to improve a 500 Credit Score.

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Finance That Finally Understands You

More Choices, No Bias

We show you more options than anyone else, not just the ones we’re affiliated with, so you can make the best choice.

Simple & Clear

We explain complex money topics in plain English, so you never have to guess what “APR” or “collateral” means again.

Guidance, Not Judgment.

We know financial journeys are personal. We provide supportive advice for your situation, because we’ve been there too.

Tools for all your needs

Check All Our Free Financial Tools

Credit Tips You Can Actually Use

  • Earn 2x Moi points at Metro and Jean Coutu—no annual fee required moi RBC Visa Annual Fee$0 Regular APR20.99% Rewards Rate2x at Moi banners, dining & gas Intro OfferUp to…

  • Build credit with no credit check—your deposit becomes your credit limit OpenSky® Secured Visa® Credit Card Annual Fee$35 Regular APR24.39% Variable Credit ScoreNo credit check Security Deposit$200 minimum Rewards RateUp…

  • Build credit with no fees, no interest, and no credit check—you control your limit Chime Credit Builder Visa® Secured Card Annual Fee$0 Regular APRNone Credit ScoreNo credit check Security DepositNo…

  • Unsecured credit-building card with soft-pull pre-qualification and 1% cash back on everyday bills Credit One Bank® Platinum Visa® for Rebuilding Credit Annual Fee$75 first year; $99 after Regular APR29.49% Variable…

  • Restore your creditworthiness through adjustable deposits and straightforward progression to unsecured products Capital One Platinum Secured Credit Card Annual Fee$0 Regular APR29.49% Variable Credit ScoreLimited / Poor Credit Security Deposit$49,…

  • Establish credit while earning genuine cash-back rewards and a first-year bonus that doubles your earnings Discover it® Secured Credit Card Annual Fee$0 Regular APR27.49% Variable Rewards Rate1%–2% cash back Intro…

  • A secured card with easy approval and no credit check—just keep an eye on the costs OpenSky® Launch Secured Visa® Card Annual Fee$24 first year ($36 after) Regular APR28.74% Variable…

  • Capital One Quicksilver Secured Cash Rewards Credit Card Establish credit while collecting 1.5% cash back on all transactions—with zero annual charges Capital One Quicksilver Secured Cash Rewards Credit Card Annual…

  • Establish credit without deposits while collecting up to 1.5% cash back—completely fee-free Petal® 2 “Cash Back, No Fees” Visa® Credit Card Annual Fee$0 Regular APR28.49% – 33.49% Variable Rewards Rate1%…

  • Establish credit history with no upfront deposit by leveraging your actual financial activity—not merely your three-digit number Petal 1 Visa® Credit Card Annual Fee$0 Regular APR28.49% – 33.49% Variable Credit…