49 Best Credit Card Startups to Watch in 2025

The Definitive Seedtable Ranking of Credit Card Startups

We track 71,000+ companies and rank them dynamically using our Seedtable Score – a score that uses quantitative and qualitative data points to signal the momentum behind a company. We then monitor the list manually leveraging our expertise as founders and investors.

There are 51 start-ups with an aggregate funding of $10.7b. The average funding per company in this subset is $218.1m.

Last update to the database: Feb 18, 2025. See changelog.

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6

Funding Rounds

$799.8m

Money raised

A bank offering online banking services with no user no bank fees, and an option to receive direct deposit up to two days early. Chris Britt and Ryan King founded Chime in 2013, and the company is headquartered in San Francisco, California.

14

Funding Rounds

$2.5b

Money raised

N26 is a is a mobile banking company headquartered in Berlin, Germany.

Location:

Key people:

6

Funding Rounds

$103.4m

Money raised

Tribal Credit is a company in San Francisco.

14

Funding Rounds

$1.2b

Money raised

Zopa is a peer-to-peer lending platform founded in 2005 by Giles Andrews.

Location:

Key people:

6

Funding Rounds

$275.6m

Money raised

Petal is a credit card company based in New York.

4

Funding Rounds

$1.6b

Money raised

Slice is a credit card challenger in India helping to pay bills, manage finances, and earn quick rewards.

4

Funding Rounds

$24.2m

Money raised

WePay is a payment provider company serving online platforms. It participated in the S09 cohort of Y Combinator.

6

Funding Rounds

$115.0m

Money raised

BankBazaar is a Chennai-based company offering comparison and choice of insurance and financial products.

6

Funding Rounds

$59.9m

Money raised

Yonder is a U.S-based company providing social media threat mitigation software.

13

Funding Rounds

$1.0b

Money raised

Atom Bank is a digital financial company offering personal and business banking products.

Location:

Key people:

4

Funding Rounds

$176.3m

Money raised

Step is a digital banking service built for teens.

Industries:

Key people:

4

Funding Rounds

$46.5m

Money raised

DeFacto is a Turkish brand of men's and women's clothing and accessories.

Location:

Key people:

8

Funding Rounds

$814.7m

Money raised

Xendit is a company providing payments infrastructure in Indonesia and South East Asia. It can detect and receive payments from all banks.

Location:

Key people:

6

Funding Rounds

$268.0m

Money raised

Jeeves Inc. is a company founded in 2019 by Dileep Thazhmon.

Key people:

15

Funding Rounds

$70.6m

Money raised

Pockit is a digital banking app for "underserved" customers founded in 2012 by Virraj Jatania.

Location:

Key people:

3

Funding Rounds

$52.0m

Money raised

Platform providing smart fraud detection and prevention to stop online payment fraud.

Location:

Key people:

3

Funding Rounds

$25.7m

Money raised

Emailage is a developer of fraud prevention and identity verification technology used to make transactions easier and secure.

Location:

Key people:

5

Funding Rounds

$636.0m

Money raised

A company offering a members-only mobile application that rewards users for paying off their credit cards.

Location:

Key people:

4

Funding Rounds

$31.3m

Money raised

Volopay is a Singapore-based company founded in 2019 by Rajith Shaji.

Location:

Key people:

5

Funding Rounds

$80.5m

Money raised

Zero is a neobank based in United States offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Zero currently accepts to open mobile bank accounts for residents of United States.

1

Funding Rounds

MoneySmart Group is a Singapore-based company founded in 2009 by Vinod Nair.

8

Funding Rounds

$36.5m

Money raised

Company

1

Funding Rounds

$4.0m

Money raised

Smyte is a company providing Software-as-a-Service solution offering trust and safety as a service for websites and mobile applications. It is now part of Twitter.

1

Funding Rounds

$276.8k

Money raised

Miracl is a London-based provider of secure authentication services.

4

Funding Rounds

$66.0m

Money raised

Extend is an innovative digital credit card distribution platform that redefines how credit cards are issued and shared

Key people:

2

Funding Rounds

$22.4m

Money raised

Mobile card reader enabling small businesses to accept card payments anywhere.

3

Funding Rounds

$3.0m

Money raised

UsingMiles is a company founded in 2008 by Keith Bristol.

1

Funding Rounds

$17.2m

Money raised

Karmic Labs is a San Francisco-based company founded by Garrett Blythe, Ryan Weidenmiller and Chris Agerton.

4

Funding Rounds

RentMoola is a company founded in 2013 by Patrick Postrehovsky.

2

Funding Rounds

$15.0m

Money raised

Union54 is a Lusaka, Zambia-based financial services company offering on-demand debit cards that are programmable, white-labeled, and can be funded with most currencies.

1

Funding Rounds

BluePay is a Naperville, Illinois-based company founded in 2003 by Kristen Gramigna.

6

Funding Rounds

$71.8m

Money raised

Yonder is a provider of rewards credit card founded in 2020 by Harry Jell, Tim Chong and Theso Jivajirajah.

Location:

Key people:

2

Funding Rounds

$1.4m

Money raised

PayDragon is a United States-based company founded by Hamilton Chan.

1

Funding Rounds

$30.5m

Money raised

Kard is a rewards infrastructure for card issuers founded in 2015 by Ben Mackinnon.

Location:

Key people:

1

Funding Rounds

$3.2m

Money raised

PEX is a New York-based company founded in 2006.

Location:

1

Funding Rounds

$110.0m

Money raised

Dock is a company founded in 2014 by Diogo Frenkel, Frederico Amaral and Marcelo Jacques.

$170.0m

Money raised

Pliant is a corporate credit cards-as-a-service platform founded in 2020.

Location:

2

Funding Rounds

$9.0m

Money raised

Earny is a Santa Monica, California-based company founded by Dori Yona.

Key people:

2

Funding Rounds

$97.0m

Money raised

GoBear HK is a Singapore-based company founded in 2014 by Frank Stevenaar, Ivonne Bojoh and Marnix Zwart.

Location:

Key people:

1

Funding Rounds

$250.0k

Money raised

CipherTooth is an American Fork, Utah-based developer of technology to protect sensitive information.

Key people:

1

Funding Rounds

$4.0m

Money raised

Accertify is an Itasca, Illinois-based company founded in 2007.

1

Funding Rounds

$46.7m

Money raised

App that streamlines group ordering, couponing, and payments for corporate lunchtime.

1

Funding Rounds

$1.1m

Money raised

SwipeSum is a company founded in 2016 by Michael Seaman.

Location:

Key people:

1

Funding Rounds

$20.0k

Money raised

moneySaver is a company founded in 2017 by Ion Alexandru Mihail.

1

Funding Rounds

$580.0k

Money raised

CreditPing is a Los Angeles-based company founded by Mati Otsmaa.

1

Funding Rounds

$174.8k

Money raised

Shopinbox Inc is a Sunnyvale, California-based developer of a mobile application for assisting credit card holders to track and claim their eligible benefits.

2

Funding Rounds

$24.0m

Money raised

Blispay is a company founded in 2014 by Michael Lyden.

1

Funding Rounds

$26.6m

Money raised

Yendo is a Dallas-based company founded in 2021.

Industries:

Location:

1

Funding Rounds

$50.0k

Money raised

Industries:

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