Build credit with confidence.
The credit card built for first-timers — with a money app that actually helps. Instant decisions, manageable limits, real bureau reporting.
Everything working in your favour.
Two cards. One journey.
A real Mastercard to spend anywhere, plus a Store Card that saves you up to 5% — together they build your credit faster.
Explore the cardProtects you from you.
0% APR, no hidden fees, and optional auto-lock that keeps your usage under 20% — exactly what your score wants.
Watch your score climb.
Every on-time payment is reported to all three bureaus, every month — tracked live in the app.
Credit and money. Now in one app.
The card that builds your credit and the tools that help you understand your money — all in one place.
Your whole money life, in one place.
Your credit journey, step by step.
Check eligibility
A soft check that won't affect your credit score — see if you're approved in seconds.
Get your decision
Fully automated, in under 60 seconds. No phone calls, no long forms.
Spend & build
Use your card day-to-day. Every on-time payment is reported to all three bureaus.
Watch it grow
Track your score climbing right in the app, month after month.
From your first card to a stronger score.
Loved by 700,000+ members.
“Score went up about 80 points in six months. I missed one payment early on and it dropped a bit, but the app sent me reminders and it bounced back. Not magic, but it works if you stick to it.”
“Honestly didn't expect support to actually reply to my chat at 9pm. The lady walked me through setting up direct debit step by step. First time I've felt like a bank actually wants to help me, not catch me out.”
“Card came in 3 days. The eligibility check didn't hit my score which is what I was worried about. Just a soft check at first. Limit started at £100 — small, but exactly what I needed.”
“I use the store card mostly for Aldi vouchers. The savings are actually applied at checkout which I wasn't sure about at first. Slow build but I can see the difference on my Experian.”
“I tried two other credit-builders before this and neither did anything for my score. Bits is the first that actually reported and the change showed up on my file. Wish I'd found it sooner.”
Questions,
answered.
Everything you need to know before you apply. Still curious? Our team replies fast.
No — checking eligibility is a soft search that's only visible to you. A hard search happens only if you formally accept an offer.
Start your credit journey today.
Free to check eligibility. Soft credit check only — it won't affect your score.
Not repaying on time will result in an adverse report to the credit reference agencies which may negatively impact your credit score. Savings in the Bits Store apply to the maximum plan; lower plans have lower discounts.
Please note that the Bits Credit Card and Store Card are unregulated as they are structured under exemptions in the Regulated Activities Order.
The card is issued by Transact Payments Limited pursuant to a licence by Mastercard International. Transact Payments Limited is authorised and regulated by the Gibraltar Financial Services Commission. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International incorporated.