52 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 52 start-ups with an aggregate funding of $11.8b. The average funding per company in this subset is $226.3m.

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

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Chime Bank logo

Chime Bank

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.

6

Funding Rounds

$799.8m

Money raised

N26 (bank) logo

N26 (bank)

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

14

Funding Rounds

$2.5b

Money raised

Tribal Credit logo

Tribal Credit

Tribal Credit is a company in San Francisco.

6

Funding Rounds

$103.4m

Money raised

Zopa logo

Zopa

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

14

Funding Rounds

$1.2b

Money raised

Petal logo

Petal

Petal is a credit card company based in New York.

6

Funding Rounds

$275.6m

Money raised

Slice logo

Slice

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

4

Funding Rounds

$1.6b

Money raised

OakNorth Bank logo

OakNorth Bank

OakNorth is a financial technology company that enables entrepreneurs access customized mid-sized loans.

8

Funding Rounds

$1.0b

Money raised

WePay logo

WePay

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

4

Funding Rounds

$24.2m

Money raised

BankBazaar logo

BankBazaar

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

6

Funding Rounds

$115.0m

Money raised

Yonder logo

Yonder

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

6

Funding Rounds

$59.9m

Money raised

Atom Bank logo

Atom Bank

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

13

Funding Rounds

$1.0b

Money raised

Step (FinTech company) logo

Step (FinTech company)

Step is a digital banking service built for teens.

4

Funding Rounds

$176.3m

Money raised

Reap (company) logo

Reap (company)

Reap is an online payment platform that enables small businesses to pay expenses and collect revenue via credit card. Reap aims to facilitate payments between Web3 projects and traditional businesses.

1

Funding Rounds

$40.0m

Money raised

DeFacto logo

DeFacto

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

4

Funding Rounds

$46.5m

Money raised

Xendit logo

Xendit

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

8

Funding Rounds

$814.7m

Money raised

Jeeves Inc. logo

Jeeves Inc.

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

6

Funding Rounds

$268.0m

Money raised

Pockit logo

Pockit

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

15

Funding Rounds

$70.6m

Money raised

Ravelin logo

Ravelin

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

3

Funding Rounds

$52.0m

Money raised

Emailage logo

Emailage

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

3

Funding Rounds

$25.7m

Money raised

CRED (members-only app) logo

CRED (members-only app)

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

5

Funding Rounds

$636.0m

Money raised

Volopay logo

Volopay

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

4

Funding Rounds

$31.3m

Money raised

Zero logo

Zero

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.

5

Funding Rounds

$80.5m

Money raised

MoneySmart Group logo

MoneySmart Group

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

1

Funding Rounds

8

Funding Rounds

$36.5m

Money raised

Smyte logo

Smyte

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

$4.0m

Money raised

Miracl logo

Miracl

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

1

Funding Rounds

$276.8k

Money raised

ChangeIt logo

ChangeIt

A software company offering a platform for charitable donations.

1

Funding Rounds

$2.2m

Money raised

Extend logo

Extend

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

4

Funding Rounds

$66.0m

Money raised

ZirooPay logo

ZirooPay

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

2

Funding Rounds

$22.4m

Money raised

UsingMiles logo

UsingMiles

UsingMiles is a company founded in 2008 by Keith Bristol.

3

Funding Rounds

$3.0m

Money raised

Karmic Labs logo

Karmic Labs

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

1

Funding Rounds

$17.2m

Money raised

RentMoola logo

RentMoola

RentMoola is a company founded in 2013 by Patrick Postrehovsky.

4

Funding Rounds

Union54 logo

Union54

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.

2

Funding Rounds

$15.0m

Money raised

BluePay logo

BluePay

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

1

Funding Rounds

Yonder logo

Yonder

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

6

Funding Rounds

$71.8m

Money raised

PayDragon logo

PayDragon

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

2

Funding Rounds

$1.4m

Money raised

Kard (company) logo

Kard (company)

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

1

Funding Rounds

$30.5m

Money raised

PEX (company) logo

PEX (company)

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

1

Funding Rounds

$3.2m

Money raised

Dock logo

Dock

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

1

Funding Rounds

$110.0m

Money raised

Pliant logo

Pliant

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

$170.0m

Money raised

Earny logo

Earny

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

2

Funding Rounds

$9.0m

Money raised

GoBear HK logo

GoBear HK

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

2

Funding Rounds

$97.0m

Money raised

CipherTooth logo

CipherTooth

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

1

Funding Rounds

$250.0k

Money raised

Accertify logo

Accertify

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

1

Funding Rounds

$4.0m

Money raised

Lunchr logo

Lunchr

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

1

Funding Rounds

$46.7m

Money raised

SwipeSum logo

SwipeSum

SwipeSum is a company founded in 2016 by Michael Seaman.

1

Funding Rounds

$1.1m

Money raised

moneySaver logo

moneySaver

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

1

Funding Rounds

$20.0k

Money raised

CreditPing logo

CreditPing

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

1

Funding Rounds

$580.0k

Money raised

Shopinbox Inc logo

Shopinbox Inc

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

1

Funding Rounds

$174.8k

Money raised

Blispay logo

Blispay

Blispay is a company founded in 2014 by Michael Lyden.

2

Funding Rounds

$24.0m

Money raised

Yendo logo

Yendo

Yendo is a Dallas-based company founded in 2021.

1

Funding Rounds

$26.6m

Money raised

1

Funding Rounds

$50.0k

Money raised