About Builder Card

What is Builder Card?#

The OnePay Builder Card is a secured Mastercard® credit card connected to your OnePay deposit account. The amount you can spend is generally tied to your available Checking balance. You can swipe or tap as usual, anywhere Mastercard® credit is accepted.

There is no credit check to switch to the Builder Card, no monthly fees, and no security deposit required.

How does Builder Card work?#

Builder Card helps you build your credit¹ without any interest or monthly fees. Here’s how it works:

If you choose Builder Card, your Checking balance will generally be the amount you can use for Builder Card purchases. If you are eligible for fee-free Overdraft Protection, Cash Advance, or use Savings Backup, you will still have access to these features.
When you make a purchase with your Builder Card, the amount of the purchase is moved from your Checking balance to your Builder Card Lockbox subaccount, and those funds are no longer available to spend.
You can turn on autopayments which use the funds in your Builder Card Lockbox subaccount to automatically pay off your Builder Card balance, which can support positive payment activity. If you opt out of auto pay, you can pay your balance manually each month using your lockbox funds or via an external account.
Unless you opt out, OnePay reports your Builder Card payment history to TransUnion®, Experian®, and Equifax®. Timely payments may help build credit, but credit score improvement is not guaranteed and depends on your overall financial behavior.²
Builder Card customers will receive a virtual debit card with a different number for virtual payments like Apple Pay, peer-to-peer payments, or places where Mastercard® credit may not be accepted. Transactions you make with your virtual debit card will not count towards your Builder Card activity reported to the credit bureaus.

For additional information on understanding your credit score, tap here.

How is Builder Card different from a traditional secured credit card?#

Unlike many traditional secured credit cards, Builder Card does not require a security deposit, there’s no interest charged, and has no monthly or annual fees. Other fees may apply.

Is there a cost for the Builder Card?#

Builder Card has no monthly fees, no annual fees, and no interest charged. Other fees may apply. For more information about rates and fees associated with your OnePay deposit account, click here. Also, see your Builder Card Credit Card Agreement for details about a card replacement fee.

Does the Builder Card have OnePay deposit benefits?#

Yes, when you are banking through OnePay using the Builder Card, you can still enjoy all the benefits of a OnePay deposit account, such as:

Earning OnePay Points on eligible purchases
Getting paid up to 2 days early with Direct Deposit
Enjoying high-yield savings
Making fee-free cash withdrawals at participating Allpoint ATMs
Depositing cash fee-free at participating locations

Any teen who is an authorized user on your Builder Card can also enjoy these same benefits.

Can I still earn OnePay Points using the Builder Card?#

Yes, you can still earn OnePay Points when using the Builder Card for transactions.

Your teen can also earn OnePay Points when using their Builder Card. They can check the OnePay app for eligible offers.

Where can I use my Builder Card?#

You can make purchases with your Builder Card worldwide, wherever Mastercard® is accepted.

Since the Builder Card is a credit card, some billers or apps may charge fees or not accept credit cards as a form of payment. In those cases, you may be able to link your virtual debit card, link your OnePay deposit account, or use Bill Pay instead. The Builder Card cannot be swiped for cash withdrawals at Walmart or other merchant locations. It can be used for ATM withdrawals (fees may apply).

Can I make ATM withdrawals with the Builder Card?#

Yes, you can still make ATM withdrawals at most ATM locations using your Builder Card. ATM withdrawals are fee-free at 55,000+ Allpoint ATMs nationwide for customers with OnePay deposit account; otherwise, a $3 OnePay Cash Out fee will apply at ATMs outside of the Allpoint network. Customers may still incur fees charged by the ATM operator.

Where can I find the terms and agreements for the Builder Card?#

To review OnePay's Builder Card agreement, please visit www.onepay.com/legal for more information.

How does my teen's Builder Card work?#

When you add your teen to your OnePay account, they become an authorized user on your Builder Card. Your teen will receive their own card, including both a physical card and virtual card, each with its own card number.

Your teen's Builder Card is generally linked to their Checking balance. Purchases can be made up to the available balance in your teen's Checking section, unless Savings Backup is enabled. If there aren't enough available funds, the purchase is declined.