Rebl - Credit Simply Based On Your Income and Expenses

No Credit? Bad Credit?
No Problem.

Rebl is the first credit card designed to help you responsibly manage and build your credit, even if you have no credit. We qualify you based on the assets you own, the money you make and the bills you already pay.



Instant Approval

Get approved in minutes. Simply provide information about yourself and link your bank accounts.

Once approved, you will have access to a virtual card.

Virtual cards are perfect for online transactions and subscriptions since they can’t be lost. Physical cards arrive in 3-5 business days.

Automatic Monthly Payments

Enjoy greater flexibility and control over your cash.

Charges over 30 days are billed into one monthly payment.

Advanced Fraud Protection

You’re never liable for unauthorized transactions. We keep your account secure with 24/7 fraud monitoring.

Your bank account stays more secure with Rebl versus a debit card, since cardholders can never withdraw cash.


In order to qualify for Rebl, you must have a US bank account with a steady stream of income. Our limits are determined on your minimum average end-of-day balance on paydays to make sure that you can comfortably repay the balance.

Our limits are determined on your minimum average end-of-day balance on paydays to make sure that you can comfortably repay the balance. In the future, we plan to include assets such as real estate, stocks, vehicles and cryptocurrency to determine limits.

No. Applying for Rebl, whether your application is approved or rejected, will never affect your credit score.

Rebl doesn’t charge you fees or interest. Instead, we simply receive a small fee from the merchant for each purchase you make with your Rebl card.

Your expenses are consolidated over 30 days into one monthly payment that is deducted automatically from your bank account.

No. The entire balance must be paid back at the end of each statement period.

At least 3 recurring paycheck direct deposits from the same employer. ATM deposits, Paper checks, Cash transfers, DO NOT qualify.

Your checking account has to have at least 60 days of activity. The balance needs to be greater than $0. There needs to be a balance in your account at the end-of-day on paydays and the first day after previous paydays.

Failure to pay your balance may result in your account being closed and being banned from using Rebl in the future. So, if you're past due, please make a payment in the app as soon as possible. Before we collect the payment, we'll check your bank account balance to make sure that it's safe to withdraw. Then, Rebl will attempt to collect the funds every day with partial or full payments, but it is still your responsibility to make a payment.

By analyzing your expenses and income history, Rebl will be able to accurately predict what limit to assign to you.

Yes! We plan on reporting to them as this is essential for your to build/rebuild your credit.

Our access to your accounts will be read-only (we cannot overwrite or modify your data) and we will use 2048-bit encryption to protect the transmission of your data to our site. Your sensitive data will be all encrypted.

Great! That's how we like it. But honestly, there's no catch. The fact is, people are so tired of being taken advantage of by banks and existing credit cards so we decided to build something that really helps them.

We are planning to launch at the end of 2019. Right now we are working to find the best launch partners to make sure our users have the best experience possible. If you have a service/product that you would like to share with our users, please drop us a line at