What does it mean that a direct deposit is required to access the Perpay Credit Card?
To keep your credit card active, a minimum direct deposit from each paycheck must be sent to your Perpay account.
This deposit must be recurring and align with your regular pay cycle.
For additional information on the payment requirements, click here.
Where can I use the Perpay Credit Card?
You can use the card anywhere Mastercard is accepted, including internationally.
However, some transaction types are restricted:
Money transfers
Peer-to-peer lending
Gambling
What rewards are offered with the Perpay Credit Card?
You’ll earn 2% back on all payments made toward your card balance.
Rewards can be used on the Perpay Marketplace.
Rewards = total payments × 2%
Applied within 10 days of your statement closing
Note: Accounts opened before 03/29/2024 earn 3% back.
Do you offer credit limit increases?
Yes, we periodically review accounts and may offer credit line increases to eligible cardholders.
These are optional and based on account activity.
For more information on best practices for credit limit increase eligibility, check out the article here!
Can I use my credit card outside of the country?
Yes. You can use it internationally wherever Mastercard is accepted.
A 3% foreign transaction fee applies to each international charge.
Which credit bureaus does Perpay report to?
Perpay reports your card activity to:
Experian
Equifax
TransUnion
Can I take out a cash advance or complete a balance transfer?
No. Cash advances and balance transfers are not currently supported.
Can I add other users to my credit card?
No. We don’t currently support additional users or authorized cards for spouses or dependents.
The Perpay Credit Card is issued by Celtic Bank.