Lendup Credit Card Reviews


Are you in the market for a credit card and trying to find the one that will give you the best rates and rewards? With so many options out there, it can be overwhelming to sift through all of them. That’s why we wanted to take a closer look at Lendup Credit Card reviews. In this blog post, we’ll discuss some of its features, benefits and drawbacks so that you can make an informed decision about whether or not it is right for you. We will also cover how it compares to other popular credit cards on the market today. Read on for more details!

Lendup Credit Card Review

If you’re looking for a new credit card, you might want to consider the Lendup credit card. This card offers a number of benefits that can help you build your credit and improve your financial situation. In this review, we’ll take a look at the pros and cons of the Lendup credit card so you can decide if it’s right for you.

The biggest pro of the Lendup credit card is that it reports to all three major credit bureaus. This means that if you make your payments on time and keep your balance low, you’ll be able to improve your credit score. The Lendup credit card also has no annual fee, which is another plus.

One downside of the Lendup credit card is that it has a relatively high interest rate. However, if you pay your balance in full every month, you won’t have to pay any interest charges. Another downside is that the Lendup credit card doesn’t offer any rewards or cash back programs.

Overall, the Lendup credit card is a good option for those who are looking to build their credit. If you’re willing to pay off your balance in full each month and don’t mind the high interest rate, this card could be a good choice for you.

Lendup Credit Card Benefits

Lendup offers a number of benefits for their credit card holders. These benefits include no fees for late payments, over-limit fees, or annual fees. Additionally, Lendup reports your payment history to all three major credit bureaus, which can help improve your credit score. Lastly, Lendup offers a rewards program that allows you to earn points for every dollar spent on your credit card. These points can be redeemed for cash back, gift cards, or merchandise.

How to Use Lendup Credit Card

If you’re considering the Lendup credit card, here’s what you need to know about how to use it. This card is best for people who have bad or no credit history, as it offers a way to rebuild your credit score. The card works like a normal credit card, but there are some key differences to be aware of.

To start, you’ll need to create an account with Lendup. Once you’ve done that, you can begin using your card. You can use it anywhere that accepts Visa, and you’ll get 1% cash back on all purchases. There’s no annual fee, and your APR will be determined based on your creditworthiness.

One thing to keep in mind is that this is not a traditional line of credit. Lendup uses a “ladder” system, which means that your APR will increase over time if you make on-time payments. However, if you make late payments or miss payments, your APR will go up even more quickly. That’s why it’s important to always make at least your minimum payment on time.

If you’re looking for a way to improve your credit score, the Lendup credit card can be a good option. Just be sure to use it responsibly and make all of your payments on time!

Lendup Credit Card Fees

The Lendup Credit Card has a variety of fees associated with it. Below we will detail each type of fee associated with the card.

Annual Fee:

The annual fee for the Lendup Credit Card is $59. This fee is not waived for the first year.

Late Payment Fee:

If you make a late payment on your Lendup Credit Card, you will be charged a late payment fee of up to $38. This fee will be applied to your account balance.

Foreign Transaction Fee:

If you use your Lendup Credit Card to make a purchase in a currency other than US dollars, you will be charged a foreign transaction fee of 3%. This fee will be applied to your purchase total.


Overall, the Lendup Credit Card offers an attractive option for those looking for a credit card with no annual fee and competitive rewards. It provides customers with an easy-to-use online portal and customer service team to help them manage their account. Plus, its unique cash back program rewards those who make responsible purchases on the card. With all of these features and benefits in mind, the Lendup Credit Card makes a great choice for anyone looking to build or rebuild their credit score.