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
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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 application 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.

Get started

  • 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.

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35%
Payment history
30%
Account utilization
15%
Account age
20%
Other

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
    $20,000
  • Length of loan
    60 months
  • Credit score
    700
  • APR
    8.05%
  • Monthly payment
    $410/month
  • Total interest paid over loan
    $4,620

Fair credit score

  • Loan amount
    $20,000
  • Length of loan
    60 months
  • Credit score
    580
  • APR
    19.5%
  • Monthly payment
    $524/month
  • Total interest paid over loan
    $11,460

Crystal Clear Pricing

  • Annual fee
    Ranging from $0-$75¹
  • APR
    35.99%¹
  • Credit limit
    up to $3,000⁵
  • No foreign transaction fees¹
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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

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  • 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.

FAQs

Before applying
New cardholders

Being “pre-approved” or “pre-qualified” 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” or “pre-qualified” 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.

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 can connect an external U.S. bank account to make seamless credit card payments, Seen will neither ask you for a security deposit nor require you to open a checking account with us.

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.

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.

Even with a low credit score, you still have options for getting a credit card. Secured credit cards require a refundable deposit, which becomes your credit limit. You can also look for cards designed for those who have lower credit scores and are starting to build or rebuild their credit or “rebuilding” credit and use prequalification tools to check your chances without affecting your score. Seen believes everyone deserves an opportunity to build their credit. We’re working to break down the traditional barriers to credit and make credit cards more accessible.

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Different credit cards are designed for different credit scores. Most credit cards for“excellent” or “good” credit require higher scores, but there are also options for people with lower scores or no credit history, including Seen Mastercard®. The best way to start is to see if you prequalify. After you complete your Seen credit card application, a hard inquiry on your credit report will determine whether you meet the credit criteria for a Seen Mastercard® credit card.

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Rebuilding credit after missed payments takes time, but it’s possible with consistent, positive steps. Start by bringing any past-due accounts current as soon as you can because payment history often has the biggest impact on your credit score. Focus on making on-time payments every month, even if you can only manage the minimum payment. Set up reminders or automatic payments to help you stay on track.

You can use a credit card to build credit safely by making small, manageable purchases and paying your bill on time every month. Payment history is often the biggest factor in your credit score, so consistently making payments can help, though paying the full balance avoids interest. Your Seen Mastercard® credit card may help you build credit. Keep your balance low and make on-time payments each billing cycle. With every on-time payment, your credit history lengthens and your payment history becomes stronger.

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.

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.

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.

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