Ready to get started? It's this easy

Create your account today and you could make your first transaction in under 10 minutes.

Download our app

Head over to your app store, hit download, and create your account.

2 mins

Pick debit or credit

If you choose credit, you'll need to do a quick eligibility check.

Up to 7 mins

Pick membership

Take your pick between our Free and Full plans

1 min

Get your card

Add your digital card to your wallet and start spending

Seconds

Find your perfect card

FilterPay Credit Cards

Understanding soft vs. hard credit checks

Throughout your FilterPay application, we rely on two distinct types of credit inquiries. Each plays a unique role in the process.

We believe in complete transparency—you'll always be notified beforehand so you know exactly what to expect.

Soft check

Safe & invisible

Hard check

Official record

Assesses eligibility before you apply

Required to complete your application

Provides a general overview of your credit profile

Conducts a comprehensive review of your credit history

Does not affect your credit score

Will be recorded on your credit file

Cannot be seen by other lenders

A standard requirement for all credit cards

FilterPay Credit Cards

Grow your credit score automatically

Consistently paying off your monthly balance helps build your credit profile. We share your payment history with major credit bureaus—including Experian, Equifax, and TransUnion—to help boost your score.

Remember that late payments can have a negative effect. It's crucial to stay on top of your schedule and only spend what you can comfortably pay back.