Largest global network. Accepted at over 200M merchants in 200+ countries and territories — including every U.S. issuer in this category.
A credit-builder cardComing Q2
13% APR.
All three networks.
One deposit.
Rebuilding and establishing credit cheaper than anything else on the U.S. market. A 13% APR on Visa, Mastercard, and American Express — roughly a third to half of what mainstream secured cards charge.
Refundable secured depositReports to all three bureausSame rate, every network
13%APR— APR, every network
3 / 3BureausExperian · TransUnion · Equifax
100%Refundabledeposit returns at graduation
6–8Monthsto first automatic review
How it works
Four steps. No clauses..
The forecast of a secured credit-builder card, done the way it should have always been priced.
- 01
Open with a deposit, not a credit pull.
Your deposit is your starting limit — fully refundable. No hard inquiry, no teaser promo, no clause that flips in month thirteen.
- 02
One range, every network, every day.
13% APR on Visa, Mastercard, and American Express. The rate on the marketing page is the rate on the statement — month one and month sixty alike.
- 03
Every cycle, all three bureaus.
Experian, TransUnion, and Equifax see your on-time history monthly — on-time, in full, paid down. The file grows whether you swipe, tap, or pay online.
- 04
Graduate, keep the rate.
Automatic review at 6–8 months. Deposit returns, unsecured line keeps the same 13% APR, history keeps reporting.
For you
Priced for everyone that prime won’t.
Select your situation. Same deposit. Same 13% APR on every network. Same graduation loop.
First card, first score.
Most prime lenders won't open a line for a 19-year-old with no file. Zodiac will — your deposit is your limit, your on-time history is your score, all three bureaus see it from month one.
By the numbersTypical graduate: 6 months → unsecured line.
Networks
One account. Three networks. Same rate.
Issued through a regulated partner bank on conventional fintech-enablement rails — your Zodiac card loads onto whichever network fits where you spend.
Same reach as Visa, with the Zero Liability protection Mastercard writes into every card. Useful for online and international.
Where Amex is accepted, the average ticket is larger and the rewards stack deeper. Same 13% APR, same deposit-backed limit.
Rewards
Three percent back where you spend.
Flat 3% cash back on the three categories that hit your statement every month — priced at the same rate, no rotating calendar.
3%
Groceries
Every swipe at the supermarket, every tap at the corner store. Same flat 3%, no rotating quarters.
3%
Gas
Pump, station, supermarket fuel rewards — 3% back on the fill-up that keeps the rest of the month moving.
3%
Online purchases
Subscriptions, marketplaces, the rest of the cart you check out from the couch. 3% back across qualifying online spend.
FAQ
The questions we get on the first call.
The five we get on the first call — answered in plain English. See all FAQs →
- Is the 13% APR really what I get? What happens after the promo?
- There is no promo. The 13% APR you see on the marketing page is the rate that lands on the statement — in month one and month sixty. No teaser that snaps to 28% in year two. Same 13% APR on every network, for the life of the account.
- What does ‘secured’ actually mean?
- You fund a refundable deposit that becomes your starting credit limit. Your on-time payments build score across all three bureaus. After the first automatic 6–8 month review, most members graduate: deposit returns, line becomes unsecured, the 13% APR continues.
- Who issues the card?
- A regulated partner bank issues under full Reg Z disclosures and CARD Act compliant due dates, minimum payments, and dual-cycle billing from day one. Zodiac is the program and product.
- What about my situation?
- If you’re a student opening a first file, a recent immigrant without a U.S. score, a gig worker rebuilding after a late cycle, or post-discharge, Zodiac prices you as a clean file — same deposit, same 13% APR, on Visa, Mastercard, and Amex.
Get on the list
We’re opening the first 1,000 lines.
Zodiac is launching with a small cohort to keep underwriting honest and support responsive. Drop your email and we’ll send the application when your seat opens.
Still have questions? See all FAQs or Apply.