About Builder Card

What is Builder Card?#

The OnePay Builder Card is a secured Mastercard® credit card connected to your OnePay deposit account. You can swipe or tap your physical Builder Card anywhere Mastercard® credit is accepted.

If you have not created Spending Pockets, the amount you can spend with your Builder Card is generally tied to the available balance in your Checking account.

If you have created Spending Pockets, the amount you can spend with your physical Builder Card is generally tied to the available balance in Primary Checking, which is the name for your default Checking pocket.

Each Spending Pocket you create has its own virtual card. The amount you can spend using a Spending Pocket virtual card is generally tied to the available balance in that specific Spending Pocket, not your Primary Checking balance.

There is no hard credit check to qualify for the Builder Card, no monthly fees, and no separate 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 available Checking balance generally determines how much you can use for Builder Card purchases. If you create Spending Pockets, your default Checking pocket is called Primary Checking, and your available Primary Checking balance generally determines how much you can use with your physical Builder Card. If you are eligible for Fee-Free Overdraft Protection, Cash Advance, or Savings Backup, you can continue to use those features with your Checking or Primary Checking balance. They do not apply to Spending Pockets you create.
When you make a purchase with your physical Builder Card, the purchase amount moves from your Checking balance to your Builder Card Lockbox subaccount. If you have created Spending Pockets, the purchase amount moves from your Primary Checking balance instead. The funds are held in the Lockbox to pay your Builder Card balance and are no longer available to spend. You can turn on AutoPay to automatically make Builder Card payments using funds in your Lockbox, which can support positive payment activity. If you turn off AutoPay, you can pay your balance manually each month using Lockbox funds or an external account.
You can turn on auto payments 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 receive a virtual debit card with a different card number from their Builder Card. You can use this card for virtual payments, such as Apple Pay, peer-to-peer payments, or at merchants that do not accept Mastercard® credit. Transactions made with your virtual debit card do not count toward your Builder Card activity reported to the credit bureaus. If you create Spend Pockets, each Spend Pocket has its own dedicated virtual card. Spend Pocket virtual cards cannot be added to Apple Pay at launch.

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.

To learn more about the Builder Card, click here.