A credit card built to help you take control

Introducing the Prosper® Card, designed to help you reach your goals—and take control of your money.

Prosper | Credit Card

Checking your offer won't affect your credit score

Checking your offer won't affect your credit score

No annual fee for the first year with AutoPay1

No security deposit required

We don't charge fees for ATM cash withdrawals2

Credit limit of $3,000+

Initial line of $500-$3,000 with automatic reviews for increases*

Instant access to credit

50% of your credit line on approval and the rest when your card arrives

Fraud protection

Technology built to protect you from unauthorized charges

Financial resources

Free, exclusive access to courses and content

It's never been easier to take control of your money

Set it and forget it with AutoPay

Turn on AutoPay for seamless, worry-free monthly payments—and a $0 first year annual fee.1

Make your good financial habits count

Get automatic reviews for credit line increases* and regular credit bureau reporting.

All from the palm of your hand

Track spending, get transaction insights, and take control of your money as you pay monthly, all from our mobile app.

Prosper | Credit Card Fraud Protection desktop-secured-card

Technology that helps protect you from fraud

Our financial products are built on bedrock technology designed to protect you and your data from fraud.

Prosper | Credit Card Financial Education mobile-card-playlists

Financial savvy, boosted​

With your card, you’ll get exclusive access to educational courses and resources, that you can tailor to your interests—100% free!

Get the most from your credit card

No security deposit Credit line reviews No ATM cash withdrawal fees2 Free financial education Credit limit
Prosper Card $500 - $3,000+
Capital One® Platinum3 $200 - $3,000
Merrick Bank® Secured Visa4 $200 - $3,000
Prosper Card Capital One® Platinum3 Merrick Bank® Secured Visa4
No security deposit
Credit line reviews
No ATM cash withdrawal fees2
Free financial education
Credit limit $500 - $3,000+ $200 - $3,000 $200 - $3,000

Trusted by our customers. Time and again.

Trusted by our customers. Time and again.

More about credit & credit cards

Widely accepted Mastercard® widely accessible ATMs

You’re never far from a Mastercard, Maestro® or Cirrus® ATM.

Apply now and get a decision within minutes.

Checking your offer won't affect your credit score.

Questions? We’re here to help.

Visit the Prosper Help Center for more support

Nope. You can check to see whether you qualify and, if you do qualify, get an estimated Prosper® Card interest rate and credit line amount with no impact to your credit score. If you decide to finish up the process and become a Prosper® Card cardholder, we will post your newly approved credit card to your credit profile, which will lower your credit score slightly.

We’re committed to helping you take control of your money. AutoPay can help ensure you never miss a payment, automatic credit line reviews may help grow your score,* and we regularly report on your credit card performance.

We welcome applicants with less-than-perfect credit. Plus, checking to see whether you qualify for a Prosper® Card won’t affect your credit score. So really, you’ve got nothing to lose.

No security deposit required. We know that some other cards require security deposits, but at Prosper we’ve learned that not requiring a security deposit is a great way to help you reclaim control of your finances.

The Prosper® Card is accepted at any ATM where Mastercard is accepted. We won’t charge you a fee to use your card at an ATM, although third party fees may apply. See details for additional information about rates, fees, and other terms.

You’re never far from a Mastercard ATM. 

Yes, there is! We’ll review your account (automatically) every three months to determine whether you qualify for a credit line increase. This is good news, since raising your credit limit can help lower your credit utilization, which ultimately may help to raise your credit score.

Submitting an application to see whether you qualify for a Prosper® Card won’t affect your credit score. So really, you’ve got nothing to lose. Even if you don’t qualify, you’ve still got options. Visit the Prosper Blog to review our free content on how to tackle credit scores, debt, and everything in between.

The annual fee for this card is $39, which will be waived for your first year if you sign up for AutoPay before we issue your first statement.1 You can enroll in automatic payments during the application process, or at a later time if you prefer.

Once your application is approved, we’ll drop your Prosper® Card in the mail. In the meantime, you can register online or use your mobile phone to 1) download the My Prosper Card app in the App Store or the Google Play Store, 2) tap ‘New User’ and sign in with your email address, and 3) add your card to your digital wallet.

In most cases, you’ll be able to access 50% of your credit line with your digital card. You’ll be able to access your full credit line once your card arrives in the mail (which typically takes between 7 to 10 business days).

1 The annual fee for this credit card is $39, which will be waived for your first year if you are approved and sign up for AutoPay before we issue your first statement. See details for additional information about rates, fees, and other terms.

2 Third party fees may apply. See details for additional information about rates, fees, and other terms.

3 Capital One® Platinum information from company website as of May 15, 2023.

3 Capital One® Platinum information from company website as of August 31, 2022.

4 Merrick Bank® Secured Visa information from company website as of May 15, 2023.

4 Merrick Bank® Secured Visa information from company website as of August 31, 2022.

* Automatic credit line increases: Your account will be reviewed automatically for credit line adjustments. Your credit line can increase or decrease, or not change at all, depending on your payment history and eligibility.

The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.

Prosper and Coastal Community Bank take your privacy seriously. Please see Prosper’s Privacy Policy and Coastal Community Bank’s Privacy Policy for more details.

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