Introducing the Prosper® Card, designed to help you reach your goals—and take control of your money.
Checking your offer won't affect your credit score
Apply now
Checking your offer won't affect your credit score
I have an offer code
No annual fee for the first year with AutoPay1
No security deposit required
We don't charge fees for ATM cash withdrawals2
Credit limit of $3,000+
Initial line of $500-$3,000 with automatic reviews for increases*
Instant access to credit
50% of your credit line on approval and the rest when your card arrives
Fraud protection
Technology built to protect you from unauthorized charges
Financial resources
Free, exclusive access to courses and content
It's never been easier to take control of your money
Set it and forget it with AutoPay
Turn on AutoPay for seamless, worry-free monthly payments—and a $0 first year annual fee.1
Make your good financial habits count
Get automatic reviews for credit line increases* and regular credit bureau reporting.
All from the palm of your hand
Track spending, get transaction insights, and take control of your money as you pay monthly, all from our mobile app.
We've got your back
Automatic reviews for credit line increases*
Access credit—no strings attached. Get an initial line of $500-$3,000 with automatic reviews for credit line increases.*
We don't charge fees for ATM cash withdrawals2
An unforeseen expense or emergency shouldn't compromise your financial wellbeing.
Apply now
Technology that helps protect you from fraud
Our financial products are built on bedrock technology designed to protect you and your data from fraud.
Financial savvy, boosted
With your card, you’ll get exclusive access to educational courses and resources, that you can tailor to your interests—100% free!
Get the most from your credit card
| No security deposit | Credit line reviews | No ATM cash withdrawal fees2 | Free financial education | Credit limit | |
|---|---|---|---|---|---|
 | $500 - $3,000+ | ||||
| Capital One® Platinum3 | $200 - $3,000 | ||||
| Merrick Bank® Secured Visa4 | $200 - $3,000 |
| Prosper Card | Capital One® Platinum3 | Merrick Bank® Secured Visa4 |
|---|---|---|---|
| No security deposit | |||
| Credit line reviews | |||
| No ATM cash withdrawal fees2 | |||
| Free financial education | |||
| Credit limit | $500 - $3,000+ | $200 - $3,000 | $200 - $3,000 |
Apply now
Trusted by our customers. Time and again.
Trusted by our customers. Time and again.
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Widely accepted Mastercard® widely accessible ATMs
You’re never far from a Mastercard, Maestro® or Cirrus® ATM.
Apply now and get a decision within minutes.
Checking your offer won't affect your credit score.
Apply now
Questions? We’re here to help.
Visit the Prosper Help Center for more support
Nope. You can check to see whether you qualify and, if you do qualify, get an estimated Prosper® Card interest rate and credit line amount with no impact to your credit score. If you decide to finish up the process and become a Prosper® Card cardholder, we will post your newly approved credit card to your credit profile, which will lower your credit score slightly.
We’re committed to helping you take control of your money. AutoPay can help ensure you never miss a payment, automatic credit line reviews may help grow your score,* and we regularly report on your credit card performance.
We welcome applicants with less-than-perfect credit. Plus, checking to see whether you qualify for a Prosper® Card won’t affect your credit score. So really, you’ve got nothing to lose.
No security deposit required. We know that some other cards require security deposits, but at Prosper we’ve learned that not requiring a security deposit is a great way to help you reclaim control of your finances.
The Prosper® Card is accepted at any ATM where Mastercard is accepted. We won’t charge you a fee to use your card at an ATM, although third party fees may apply.See detailsfor additional information about rates, fees, and other terms.
You’re never far from a Mastercard ATM.
Yes, there is! We’ll review your account automatically to determine whether you qualify for a credit line increase. This is good news, since raising your credit limit can help lower your credit utilization, which ultimately may help to raise your credit score.
Submitting an application to see whether you qualify for a Prosper® Card won’t affect your credit score. So really, you’ve got nothing to lose. Even if you don’t qualify, you’ve still got options. Visit the Prosper Blog to review our free content on how to tackle credit scores, debt, and everything in between.
The annual fee for this card is $39, which will be waived for your first year if you sign up for AutoPay before we issue your first statement.1 You can enroll in automatic payments during the application process, or at a later time if you prefer.
Once your application is approved, we’ll drop your Prosper® Card in the mail. In the meantime, you can register online or use your mobile phone to 1) download the My Prosper Card app in the App Storeor the Google Play Store, 2) tap ‘New User’ and sign in with your email address, and 3) add your card to your digital wallet.
In most cases, you’ll be able to access 50% of your credit line with your digital card. You’ll be able to access your full credit line once your card arrives in the mail (which typically takes between 7 to 10 business days).
1The annual fee for this credit card is $39, which will be waived for your first year if you are approved and sign up for AutoPay before we issue your first statement. See details for additional information about rates, fees, and other terms.
2Third party fees may apply. See details for additional information about rates, fees, and other terms.
3Capital One® Platinum information from company website as of May 15, 2023.
3Capital One® Platinum information from company website as of August 31, 2022.
4Merrick Bank® Secured Visa information from company website as of May 15, 2023.
4Merrick Bank® Secured Visa information from company website as of August 31, 2022.
*Automatic credit line increases: Your account will be reviewed automatically for credit line adjustments. Your credit line can increase or decrease, or not change at all, depending on your payment history and eligibility.
The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.
Prosper and Coastal Community Bank take your privacy seriously. Please see Prosper’s Privacy Policy and Coastal Community Bank’s Privacy Policy for more details.
