Introducing Seen Mastercard® credit card

Brought to you by Seen, a credit card for new beginnings.

The Seen Mastercard® is issued by Coastal Community Bank, Member FDIC pursuant to a license from Mastercard® International Incorporated.

The credit card for first and second chances. 

Get access to credit today.

Instant decision

Complete our easy application and find out if you're approved online, instantly.

Boost your credit

We report to all three major credit bureaus so you can build your credit with responsible credit use.¹

No security deposit

Crystal clear pricing. No hidden fees.² Just the buying power you want to help you reach your goals.

Start spending today

Get a digital card as soon as you’re approved so you have money to shop for what you need, immediately.

Have a code?
Apply now

Get started
  • 1

    Open your invitation. Retrieve your six-digit offer code to unlock your offer.

  • 2

    Submit your application. Complete your application in as little as 2 minutes. You’ll get a decision in seconds.

  • 3

    Download the app. Everything you need to manage your account 24/7, right at your fingertips.

  • 4

    Start spending. When we say same day, we mean same day. Your digital card is ready the moment you’re approved.

Safe, flexible and always available

Spend with your Seen Mastercard® any way you like, knowing you’re fully protected by powerful, advanced encryption technology that keeps your information secure.

Tap and Spend Worldwide

Physical & Instant Virtual Card

24/7 Security Protection

Total control at your fingertips

Experience a best-in-class app that redefines simplicity. Pay your bill, track spending, and lock your credit card with just a few taps in the Seen Mobile app.

Get support from real people

You can count on our Customer Care team for support. We're dedicated to providing exceptional service to ensure a seamless credit card experience.

Earn credit line increases

Coming Fall 2024! Earn proactive credit line increases with responsible credit use over time. Build good financial habits by making consistent on-time payments and we'll review your account to see if you qualify.³

FAQs

First of all, welcome! We’re very excited you’re here. The application process is quick and easy. To get started, use the unique six-digit offer code enclosed in your email invitation to unlock the application. You’ll also need your full legal name, residential address, date of birth, SSN, and income to complete the application.

Being pre-approved means that a soft inquiry on your credit report was pulled to see if you met the qualifying criteria. This did not affect your score.

Being pre-approved does not guarantee that you will be approved for credit. After you complete your application, we will place a hard inquiry on your credit report and determine whether you continue to meet our credit criteria.

Right now, the Seen Mastercard® is offered by invitation only.

Yes, it will. If you submit an application for a Seen Mastercard® credit card, we will have to perform a hard inquiry on your credit report to determine your eligibility. This may affect your credit score.

Seen Mastercard® is an unsecured card, also known as a traditional credit card. While you must connect an external U.S. bank account to make your credit card payments, Seen will neither ask you for a security deposit nor require you to open a checking account with us.

Seen charges a $4.50 monthly fee with a competitive 32.99% annual percentage rate. To learn more, please read the Rate and Fee Information and the Cardmember Agreement.

Good question. It can be tough to get approved for a credit card or loan with a low credit score or a limited credit history. Seen offers its unsecured credit card to individuals who want to improve their credit because we believe that everyone deserves a fair and affordable opportunity to strengthen their credit.

We could go on and on about credit building (and we will!) but for now, we’ll keep it simple. To build your credit, use your Seen Mastercard® wisely by keeping your balance low and making on-time payments each billing cycle. By sticking with Seen and staying consistent, your credit history lengthens and your payment history becomes stronger.

After your Seen Mastercard® application is approved, you can expect your card to arrive in the mail within 5 to 7 business days. Remember, you can start using your digital card the moment you’re approved. If it’s been over 14 business days since you applied (or requested a new card), please give us a call at 1-833-923-7336. Our Customer Care team is happy to look into it for you.

No, you don’t. Seen Mastercard® is an unsecured credit card that you can use without opening a debit account with us. However, in order to make payments, you will need to connect an active U.S. bank account to the card.

Our Customer Care team can be reached from 9:00 a.m. to 9:00 p.m. EST from Monday to Friday, and 10:00 a.m. to 7:30 p.m. EST on Saturday. Get in touch by giving us a call at 1-833-923-7336 or sending an email to help@seen.com. We look forward to hearing from you!

Yes, we do. Seen will report on your Seen Mastercard® payment history to all 3 major credit bureaus every month - TransUnion®, Equifax®, and Experian®. Building credit may take time so it’s important that you consistently make on-time monthly payments.

You should care about building your credit because financial institutions look at a borrower’s credit history to determine their eligibility for a line of credit. This means that your credit score can impact your ability to get approved for personal loans, auto loans, traditional loans and other financial products. A lender may also offer you better credit card offers, higher credit limits, more favorable loan terms and lower interest rates when you have good credit.

Building good credit takes time, and depends on variety of factors. The important factors that generally make up a credit score are your payment history (35%), your credit utilization (30%) your length of your credit history (15%), credit mix (10%) and new credit (10%). One way of improving bad credit is to prioritize your payment history by making consistent monthly payments by the due date to avoid late payments as much as possible.