×

See the digital banks that are approving credit even with a negative or low credit score.

See the digital banks that are approving credit even with a negative or low credit score.

See the digital banks that are approving credit even with a negative or low credit score.

See the digital banks that are approving credit even with a negative or low credit score.. When I, Rafael Morais, first decided to look for credit approval in the United States with my low credit score, I had no idea how challenging it could be.

I imagined the process would be quick: fill out an online form, provide some documents, and receive an approval email. However, I quickly realized that my situation was very different from what I had imagined. My credit score was far from good — in fact, it was at a point where traditional banks saw me as a risky borrower.

👉🏽Click here to learn: Everything I teach about having a good financial education and having more credit in the market even with a negative score. Every time I applied for a credit card at a conventional bank, I received the same cold, automated response: “Application denied.” That rejection message became so familiar that I could almost hear it before it arrived.

After multiple rejections:

I began to understand that if I kept following the same path, I would keep getting the same results. That realization changed everything. I decided to stop wasting my energy with institutions that judged me solely on my past mistakes. Instead, I shifted my focus to digital banks, because I noticed they operated differently.

Learn how to get a credit card if you have a negative or low credit score: These banks often have more modern approval systems. They sometimes look beyond your credit score, evaluating your current financial behavior, income flow, and commitment to building a positive relationship with them.

I started researching day and night. I read articles, customer reviews, and even fine print on bank websites. I compared approval rates, eligibility criteria, and how each digital bank reported activity to the credit bureaus.

The more I learned:

The more I realized that digital banks were not just a “backup” option — for people like me, they could be the best option. They didn’t just look at where I had been; they looked at where I was going. That difference gave me hope.

The turning point came when I made a detailed list of digital banks with a strong record of approving people with bad or low credit. I ranked them based on customer stories, my own applications, and the flexibility of their requirements.

This wasn’t guesswork — it was a targeted approach. And when I started applying with strategy instead of desperation, my results completely changed. I went from being rejected over and over to hearing that magic word: “Approved.” That was the moment I knew my search had led me to the right places.


The 5 American Digital Banks That Said Yes to Me and Others Like Me

See the digital banks that are approving credit even with a negative or low credit score.

Through persistence, research, and real-life trial and error, I, Rafael Morais, discovered five American digital banks that stand out for giving people with low or even negative credit scores a real chance.

These banks didn’t just approve me or people in similar situations — they also offered products that actively helped rebuild credit. Let me share each one with you, along with the steps I took to get approved and the habits that helped me make the most of them.

1. Chime

Chime was the first digital bank that gave me real hope. They offer a product called the Chime Credit Builder Visa Card, and here’s the best part — they don’t require a credit check to open it. That meant my low score didn’t block me before I even started.

To get this card, I opened a Chime spending account, transferred money into their Credit Builder account, and used it as my limit. I started small, making everyday purchases like groceries and gas. Every on-time payment was reported to all three major credit bureaus, which began to improve my score within just a few months. The lack of fees and the flexibility of their system made it easy to stay on track.

2. Varo Bank

Varo is a fully digital bank that truly rewards customers who build a relationship with them. When I opened my Varo account, I set up direct deposit so my income flowed directly into it. This simple step helped me qualify for the Varo Believe Credit Card sooner than expected.

The Believe card also reports to all three bureaus, and because it’s designed as a credit-builder, it’s easier to manage without falling into debt. My advice here is to show consistent banking activity with Varo — deposits, responsible spending, and avoiding overdrafts — because they take all that into account before offering credit.

3. Upgrade

Upgrade offers a Visa® credit card as well as personal loans, and they are known for approving applicants with scores as low as 550 if there’s proof of steady income. When I applied, I made sure my bank statements and income documents were ready to upload.

Their evaluation looked at my current ability to repay rather than just my past, which made a huge difference. Once approved, I used the Upgrade card carefully, taking advantage of their cashback rewards while keeping my utilization low.

4. Avant

Avant is another fintech that understands that people with bad credit still deserve opportunities. They approved me for their credit card when many others had said no. At first, my limit was modest, but instead of seeing that as a setback, I used it as motivation.

I made small purchases, paid them off quickly, and after several months, Avant increased my limit. That boost felt like proof that they noticed and rewarded my responsible use.

5. Petal

Petal is one of the most innovative digital banks I’ve seen. They use something called cash flow underwriting, which means they look at your income and spending habits by reviewing your bank account transactions instead of just your credit score.

This was a game changer for me. Even with a low score, I qualified for the Petal 1 card after linking my main bank account. Their app also helps you track spending and suggests ways to improve your financial habits, making it not just a card, but a real credit education tool.

These five banks stood out because they didn’t treat me like my credit score was the only thing that mattered. Instead, they evaluated my current financial behavior, gave me tools to succeed, and reported my positive activity so my score could grow over time. By choosing them, I wasn’t just getting approved for a card — I was building a foundation for future financial stability.


Why You Can Follow My Path and Get Approved Too

See the digital banks that are approving credit even with a negative or low credit score.

If you have a low or negative credit score, I, Rafael Morais, want you to understand one thing: your current score does not define your financial future. I am living proof that with the right approach, you can get approved for credit and start rebuilding your reputation with lenders.

👉🏽Click here to learn: Everything I teach about having a good financial education and having more credit in the market even with a negative score.

The trick is to work with banks that see more than just a number. Digital banks like Chime, Varo, Upgrade, Avant, and Petal gave me that chance, and they can give you one too — if you follow the right steps.

First, start by choosing one or two digital banks from this list and open basic accounts with them. Show activity by depositing money, making small purchases, and managing your balance wisely. Second, avoid applying for too many products at once.

Every hard inquiry can slightly lower your score

So space out your applications strategically. Third, once approved for any card, focus on perfect payment history. Even a single late payment can slow your progress dramatically.

Over time, your consistent, responsible use will get noticed. You’ll likely see your limit increase, your offers improve, and your credit score rise. It won’t happen overnight, but every positive month builds on the one before it.

I went from rejection after rejection to having multiple credit cards, higher limits, and a healthier financial profile. That transformation started the moment I stopped chasing random approvals and started targeting the right digital banks.

You have the same opportunity. If you follow my story as a guide, you can change your financial direction starting today. The power to rebuild your credit is already in your hands — all you need to do is choose the right partner banks and commit to consistent, responsible use. In a few months, you could be telling your own success story, just like I am telling mine right now.