The Perpay Credit Card is a Mastercard® issued by Celtic Bank. It works with your Perpay account and uses payroll direct deposit to make automatic payments toward your balance.
How does the Perpay Credit Card work?
A portion of your paycheck is sent to your Perpay account through payroll direct deposit.
With automatic transfers enabled, funds are automatically applied toward your credit card balance.
This helps simplify payments and can contribute to building your credit score.
What are the benefits of the Perpay Credit Card?
Use it anywhere Mastercard is accepted
Applying won’t affect your FICO® or VantageScore®
We may use data from Clarity, an alternative credit bureau
Earn 2% back on payments in the Perpay Marketplace
Accounts opened before 03/29/2024 earn 3%
Credit lines start at $300
Does applying affect my credit score?
No. Applying will not impact your FICO® or VantageScore®.
However, we may obtain information from Clarity, which could affect your credit profile with that alternative bureau.
The Perpay Credit Card is issued by Celtic Bank.