How it Works

To start your credit journey, create your account and download our app. There's no credit check required - if you're a U.S. Citizen or Permanent Resident 18 years or older, you're eligible for the Ambition Card³.

When you first sign up, you'll use your email address and preferred password as your login credentials and submit your personal information.

You'll have two accounts associated with your new card:

• Deposit Account (where you'll deposit money and set your credit limit)
• Credit Account (used to make purchases anywhere Mastercard is accepted)

You set and manage your own credit limit with the amount^{4, 5} you transfer to your Deposit Account.

3 ways to do this:

• Set up manual or recurring transfers from a linked bank account
• Direct deposit a portion or all of your paycheck
• Transfer from any external bank account (including a parent or guardian's)

You can connect to your external accounts easily using Plaid, or do so manually by using account and routing numbers.

Once your money is deposited, you can start using your Ambition Card for all your purchases! You'll only be able to spend what you have in your Deposit Account⁴ (also known as your "credit limit"). You can always monitor your spending in the mobile app and make sure you always have funds available to use.

You can increase your credit limit at any time. Log in to your Ambition Card account and add more money to your Deposit Account or transfer funds from an external bank account.

At the end of your every billing cycle, you'll receive an electronic statement that outlines your purchase activity (which is available to view in the mobile app at any time).

Be sure to make your payment on time. You can pay your balance using:

• AutoPay
• Manual Payments
• Payments from an external bank account
• Funds from your Deposit Account

Remember, if you use funds from your Deposit Account, it will lower your credit limit. You will need to replenish your Deposit Account if used to pay your balance to cover future purchases.

We'll report your on-time payment activity to the three major credit bureaus each month (TransUnion^®, Experian^®, and Equifax^®). It'll help you establish a strong credit history and with time, a credit score you'll be proud of.