SilverCard Prepaid MasterCard®

Account Login

Build credit by paying bills with your card.

With our PayFit Credit Builder‡ feature, you build credit history every time you pay your bills with your SilverCard Prepaid MasterCard®. Pay your utilities, rent and other bills with your card, and you're on your way. It's FREE to all SilverCard users ... no need to enroll.

No Credit Check and Guaranteed Approval*

It's like a credit card, but without the hefty interest rates and late fees, since you only spend the money you have. Maria – Tampa, FL

It's all good

PayFit Credit Builder only reports only payment information, so it builds your credit with no worries. Lenders such as Ford Motor Credit, Chrysler, HSBC, and many others utilize the FICO® Expansion® Score in assisting with their lending decisions. Lenders may use your credit file to qualify you and offer you lower interest rates.

How it works

PayFit Credit Builder is a free service available to all SilverCard Prepaid MasterCard® cardholders, with no need to enroll. You get it automatically.

Use your SilverCard when paying your rent, utilities, cable, wireless telephone or any other recurring bill.

SilverCard automatically reports the bill payment history to PRBC®, a national credit-reporting agency.

Your payments are used to build credit file and score that will help you when applying for housing, credit, insurance, and employment.

The SilverCard Prepaid MasterCard is issued by MetaBank pursuant to a license by MasterCard International Incorporated. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

* Obtaining Your Card: The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification at any time. "Guaranteed Approval" is contingent upon successfully passing this mandatory identification confirmation.

** Standard text messaging rates apply, see your carrier for details.

‡ MetaBank is not affiliated in any way with this product and does not endorse or sponsor this offer. PRBC (www.prbc.com) is a subsidiary of MicroBilt Corporation. PRBC is an FCRA compliant credit repository established to serve the approximately 100 million US consumers lacking a traditional credit history. PRBC offers the PRBC Report with FICO^® Expansion^® Score, a consumer credit file and score based on a consumer's history of making rent and other recurring bill payments. The PRBC report with FICO^® Expansion^® Score provides business with the credit file and score necessary to demonstrate a consumer's creditworthiness when applying for housing, credit, insurance, and employment. A PRBC Report with FICO^® Expansion^® Score is made available and utilized by lenders for "permissible purposes" under the Fair Credit Reporting Act to evaluate applicants. Lenders such as Ford Motor Credit, Chrysler, HSBC, and many others utilize the FICO^® Expansion^® Score in assisting with their lending decisions.