Credit Card Program | Refresh Financial

The easiest way to get a credit card.

Our card is designed to help you build credit safely, easily, and affordably.

See how we stack up

Refresh Financial The Other Guys
Annual fee $12.95/year $59/year
Interest rate 17.99% 19.80%
Free financial education
Approval without credit check?

Features
and benefits

 

Easiest approvals

As a secured credit card, there's no credit checks, just a deposit and you're approved.

 

Lowest fees

Credit building shouldn't cost an arm and a leg, so we've kept our fees low.

 

Low interest rates

Our competitive rates will help ensure you can keep payments manageable.

 

Lowest security

Start where you're comfortable and scale up when you're ready - no huge upfront costs.

 

Free financial education

With Refresh f.i.t, you get access to online courses that teach you about money management.

 

Boost your credit

Using your VISA will help build your credit history and put your financial goals within reach.

Want to build your credit by saving money (instead of spending)? We can help.

Learn more

† Artist Rendering. Actual cards may vary, in design, materials and/or function from that shown in the image above and may be modified from time to time by Refresh Card Solutions Inc. without notice.

This card is owned and issued by DirectCash Bank pursuant to license by Visa International. Use of the card is governed by the agreement under which it is issued. The Visa Brand is a registered trademark of Visa International. All credit and approvals are provided by Refresh Card Solutions Inc. DirectCash Bank provides no credit or loans. All funding and lending for this program is provided by Refresh Card Solutions Inc.

Six months ago I came with a credit score of ZERO. I was assured Refresh would help my credit and was asked to come back in six months to check again. I was blown away when I found out I had good credit. It was beyond my expectations and I qualified for a loan. I was very impressed with the professional and genuine helpful service I received. I've since and will continue to recommend Refresh to friends, family, and people at work with confidence that they too will be satisfied. Thanks everyone! "

Lucas, Niagara Falls, ON