Tilt Card: Revolutionary Credit Building with Cash Back Rewards

Tilt is revolutionizing credit building for millions of Americans who've been denied traditional credit cards. As a financial technology company powered by their mission to say "yes" when others say "no," Tilt considers your finances today—not just your history. With over 5 million customers, 450,000 five-star reviews, and $2.5 billion in purchases made possible, Tilt has established itself as a leader in democratizing access to credit for underserved consumers.

Three Cards, One Mission: Building Your Credit

Tilt offers three distinct credit cards, each designed for different credit-building needs. When you apply, you'll be automatically considered for all three cards and matched with your best offer:

How Tilt's Approval Process Works

Tilt's innovative three-step approval process is designed to maximize your chances of approval even if you've been denied credit elsewhere. By considering your real-time financial habits rather than just your credit history, Tilt can say "yes" when traditional banks say "no."

Four Ways to Increase Your Credit Limit

Tilt's innovative LEAP program provides multiple pathways to credit limit increases, helping you build purchasing power as you demonstrate responsible credit use. Unlike traditional cards that rarely offer increases without requests, Tilt automatically considers you for increases multiple times throughout your card ownership:

Additional Features and Benefits:

Real Customer Success Stories

Tilt customers consistently report positive experiences with credit building and approvals:

Who Should Consider Tilt Cards?

Tilt credit cards are ideal for several groups of consumers looking to build or rebuild credit:

Important Disclosures and Considerations

Representative APR: The Tilt Essentials Card has a variable APR of 29.74%, while the Motion and Engage cards range from 28.74% to 33.74% variable APR. For example, if you carried a $1,000 balance with a 29.74% APR for one year and made only minimum payments, you could pay approximately $297 in interest charges. To avoid interest, always pay your full statement balance by the due date each month. The APR is variable and may change with market conditions.

Subscription Fee: Tilt offers a 14-day free trial for first-time customers. After the trial concludes, Tilt charges an auto-recurring $8 per month subscription fee to access the full suite of products and services. If you do not wish to pay the subscription fee, you must cancel your subscription before the end of your trial period. You can cancel anytime by visiting "Billing" in the mobile app or contacting help@tilt.com.

Credit Score Impact: Pre-qualification uses a soft credit pull that does not affect your credit score. However, if you proceed with a full application after pre-qualifying, Tilt and WebBank will perform a hard credit inquiry which may temporarily lower your credit score by a few points. On-time payments reported to credit bureaus may have a positive impact on your credit score, while late or missed payments may negatively impact your score.

Limit Increase Eligibility: Not everyone will qualify for credit limit increases. Eligibility requirements apply for each type of increase. If you fail to pay at least your minimum payment by the due date, you will not be considered for a credit limit increase and your existing credit limit may be decreased. Terms and conditions apply to the LEAP program.

Not Financial Advice: This information is for educational and informational purposes only and does not constitute financial advice. Your individual financial situation, goals, and credit needs should guide your credit card selection. Consider consulting with a financial advisor to determine if a Tilt card aligns with your credit-building strategy and overall financial plan.