The content is accurate at the time of publication and is subject to change.

The Zolve Azpire Credit Builder Card is a great tool for building or improving your credit. It works like a traditional debit card, so you put money in your Azpire checking account up front and use it to make everyday purchases. These funds serve as your Zolve credit card limit. The issuer then automatically pays the purchases back with the money in your account and reports your positive payment history to the three major credit bureaus.

Unlike a secured credit card, the Azpire Credit Builder Card charges no fees or interest and offers cashback on your purchases. You don't need a Social Security number or credit check to apply, which makes the card available to people with poor or no credit history.

With a good credit and repayment behavior, you can also get upgraded to the Zolve Unsecured credit card with a limit of up to $5,000 and receive up to 10% cashback and rewards on your favorite brands.

You can find further details about the Zolve registration and adding money in the card review.