Credit building for peace of mind

  • Get approved in as little as 2 minutes
  • No security deposit required
  • Start spending the moment you’re approved

The best credit card for everyday needs

  • Build credit without the hassle

    Download the Seen Mobile app and start using Seen Mastercard® the moment you’re approved. No security deposit, foreign transaction or hidden fees.¹

  • Build credit for financial freedom

    Good credit habits won’t go unnoticed. We report your payment history to all 3 major credit bureaus - TransUnion®, Equifax® and Experian®.²

  • Build credit with Mastercard® coverage

    Whether you're traveling abroad or shopping locally, experience the peace of mind that comes with knowing your purchases are protected by Mastercard® coverage benefits.³

  • Build credit securely

    In a world where data breaches are becoming all-too-common, Seen puts your privacy first. Your information is protected with 256-bit encryption and other security features.

The Card

Discover new ways to pay

Shop safely and securely while building your credit history.

  • Tap to Pay

    Tap your card wherever you see the Contactless Symbol. It's the quick, easy, and secure way to check out at millions of locations nationwide.

  • Digital Wallet Technology

    Spend online or on-the-go. Just add your card to your phone’s digital wallet to use with Apple Pay®, Google Pay™ or Samsung Pay.

Boost your credit

Seen encourages you to maintain good credit habits across all the factors that impact your credit. With responsible spending and regular on-time payments, using your Seen Mastercard® credit card can help you strengthen your credit history.

Payment history
Account utilization
Account age

Example of a $20,000 auto loan:


With good credit, you could pay $6,840 less for the same debt.⁴

Good credit score

  • Loan amount
  • Length of loan
    60 months
  • Credit score
  • APR
  • Monthly payment
  • Total interest paid over loan

Fair credit score

  • Loan amount
  • Length of loan
    60 months
  • Credit score
  • APR
  • Monthly payment
  • Total interest paid over loan

Crystal Clear Pricing

  • Annual fee
    Ranging from $0-$75¹
  • APR
    Ranging from 29.99%-35.99%¹
  • Credit limit
  • No foreign transaction fees¹

Experience Mastercard® coverage

  • Zero Liability Protection³

    Whether you pay in store, over the phone or online, you’re not responsible in the event someone makes unauthorized purchases with your card.

  • ID Theft Protection™ ³

    Monitor your credit file for fraud, receive alert notifications about suspicious activity and get assistance from a resolution specialist. Brought to you by Mastercard®.

Security you can count on

  • Fingerprint and facial recognition

    You can use your biometric data to ensure that only you can log into your app.

  • Real-time alerts

    Stay in the loop. Receive real-time push notifications of your account activity.

  • Instant card lock

    Lock your card with one tap, whether you think it’s misplaced, lost or stolen.


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 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.