High limit
The Ava card’s high credit limit instantly lowers your credit usage (woohoo!).
No interest
Use your Ava card to pay subscriptions you’re already paying for, with no interest and no fees, ever.
Reports to all bureaus
We’ll report payments to the 3 major credit bureaus promptly so you can sit back and watch your score climb, fast.
Use everyday bills to grow your credit
Use your Ava Card to pay for your subscriptions from any of the providers below.
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the highest rated credit building app
frequently asked questions
We’re here to help you navigate the complicated world of credit, in a simple way.
All FAQsHow does the Ava Credit Builder card work?
The Ava credit building card works like any other credit card but has built in features meant to boost your credit score. With a credit limit of $2,500 but the ability to spend up to $25 (or higher depending on your spend limit) on a subscription program monthly, Ava massively improves your Credit Card Utilization score which is a big part of your credit score.
The balance on your Ava is due 7 days after you use the card which we pull from the bank account you connected during onboarding. We then report both your utilization and on time payments within 24 hours to the credit bureaus which again helps boost your credit score quickly. It's that simple!
Why does Ava exist?
Ava is here to help you build credit and save money on debt. The best way to tackle debt is to find the lowest cost of debt possible so you pay as little as necessary. We create a personalized step by step plan, starting with improving your credit score.
How do you handle data and security?
We never sell your data or save your banking login. All your personal information is kept safe with 256-bit encryption.
Which Credit Bureaus do you report to?
We report to ALL three major bureaus (unlike most credit building products in the market). We report your file to TransUnion, Equifax and Experian within the first week of you joining Ava. You should see the Ava tradeline on your credit report within a week. Our goal is to help you get to a great credit score as soon as possible. 74% of our members see a score improvement in 7 days or less. Moreover, your on time payments are reported to all three bureaus within 24 hours. We believe you should not have to wait months to start seeing results that's why we are the only credit building app that reports daily instead of monthly.