150 million Americans have credit scores below 680. Not because they are careless, but because the system was not built for them. StellarFi was. We started by helping people build credit. Now we help financial platforms offer real credit products to the people traditional banks often leave behind.
StellarFi started with a problem that was personal before it was ever a business.
Our founder, Lamine Zarrad, is a former Marine and an immigrant who knew what it felt like to be shut out by the credit system. As a working adult, he still needed a relative to cosign for a car loan. He knew the stress of standing at a grocery store register and not knowing if his card would clear.
He built StellarFi because he did not want anyone else to feel that way.
Since 2022, we have been through a lot. We launched a direct-to-consumer product that worked right away and taught us a great deal. We faced fraud, which made us sharper. We went through a major banking shakeup that forced us to rebuild from scratch. In the end, we came out with a stronger stack than we ever could have planned.
Along the way, we built more than 200 affiliate partnerships. That helped us see the real opportunity. It was not just about reaching consumers through advertising. It was about reaching them through the financial platforms they already trust.
America’s credit system is not broken by accident. It is producing the results it was designed to produce.
Over the last four years, large banks have pulled back from the non-prime market. Their share of subprime originations fell from 23 percent in 2022 to 16 percent today. But the people who need help did not go anywhere.
The banks stepped back because serving them well takes real infrastructure. We built that infrastructure. Now we are using it.
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Other cards decide once. StellarFi learns and helps you earn higher limits, better rewards, and real credit progress.
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Use it like any other card, except this one grows your spending power.
Use your card well and get higher limits and better rewards over time.
Use your rewards to pay bills, or convert them into more available credit.
AI-guided tips use your full credit picture to help you improve credit safely*.
Credit growth comes from having more available credit. When you use your smart card responsibly, your spending power grows with you.
Start with a card level that fits your financial picture today. You can qualify based on your income and bank account, no matter your score.
Everyone is on the same path to a premium credit card. You’re never stuck at one level, and you’re never rushed to move up. Over time, you can unlock more spending power and better rewards, all with one card.
There’s more than one way to qualify. See yours.
All credit scores welcome. Start at the level that fits your financial picture today.
StellarFi learns and shows you what’s improving your credit as you go.
Better habits unlock higher spending power and better rewards.
Earn rewards every time you use your StellarFi card. Then choose how to use them.
Turn them into more spending power on your credit card*.
Use rewards to help pay your monthly bills.
Silver earns 1× points. Gold earns 2× points. Stellarite earns 3× points. Additional 5× point multipliers may be available to Gold and Stellarite members on eligible purchases. Terms apply.
Track your score, see your progress, and spot chances to grow, all in one place.
Get simple, personalized AI suggestions each month that show you what can help your credit next.
See offers picked for your credit history that can further help your credit score.
Apply now and find out what card level you’re eligible for.
Read our full FAQ to find what you're looking for.
Secured means your credit limit is backed dollar-for-dollar by a refundable deposit. Example: $500 deposit → $500 limit.
Semi-secured means only part of your limit is backed by a refundable deposit — sometimes as little as 10%. Example: $500 deposit → $5,000 limit (deposit amount varies by approval and level).
Unsecured means there’s no security deposit. Your limit is based on your approval.
Your card level (like Silver, Gold, Stellarite) determines which deposit options you may qualify for.
You can qualify for Stellarite in two ways:
Qualify right away.
You may qualify for Stellarite when you apply if your linked bank account shows steady income and on-time bill payments.
Work your way up.
If you start at Silver or Gold, you can earn upgrades over time. We’ll show you exactly what to do in the app, usually a mix of using the card responsibly and paying on time every month, so you have a clear path to Stellarite.
Maybe. It depends on your starting level. Any security deposit is refundable, and you get it back once you reach Stellarite.
StellarFi may charge standard credit card fees, such as interest and late fees.
If you qualify for a higher level, Gold has a $49 annual fee and Stellarite has a $99 annual fee.
For full details, please review your Cardholder Agreement and the fee disclosures shown in the app.
No. At least not yet. Today, StellarFi is a digital card you use in the app. You can use StellarFi online and anywhere digital Visa® cards are accepted.
We plan to offer physical cards in the future, and we’ll let you know when they’re available.
