NinjaCard® – Banking & Credit

NinjaCard

About this app

Your car breaks down. You need $1,800. The app you’ve been relying on only offers $500.

The NinjaCard® FlexLine Line of Credit can give you up to $2,500 — revolving credit you can draw from, pay back, and use again. No minimum credit score. No reapplying.

FlexLine is currently available in: AL, AZ, DE, FL, ID, IN, KS, KY, LA, MI, MN, MO, MS, MT, NE, OH, OK, SC, TN, TX, UT, WI, and WY. Not in your state yet? Join the waitlist at ninjacard.com.

FLEXLINE — REVOLVING CREDIT ACCESS
Access up to $2,500 without a minimum credit score — because we evaluate your income and banking history, not just your credit score. That's how we can say “yes” when traditional lenders say “no”.

FLEXBANKING — CHECKING AND SAVINGS
FDIC-insured checking and savings accounts with no overdraft fees, no minimum balance penalties, and no NSF fees. Visa debit card accepted everywhere Visa is. Get paid up to 2 days early when you set up direct deposit. Banking services provided by Republic Bank of Chicago, Member FDIC.

FLEXADVANCE MEMBERSHIP (FAM) — CREDIT TOOLS PLUS A CASH ADVANCE
Experian credit tools including reporting, monitoring, VantageScore tracking, score simulation, score planning, and a $100 cash advance when you need it — all for $2.99/month. Subject to subscription terms and availability. NinjaCard may offer FlexAdvance members a FlexLine line of credit.

YOUR PATH FORWARD
NinjaCard's progression system is designed to support and reward you for good financial habits in ways no other offerings in the category do.

It all starts when you join NinjaCard. You get your FlexLine line of credit and open FlexBanking checking and savings accounts. From there, you set up direct deposit, create savings goals and make on-time payments on your FlexLine. With time, your financial habits are measurably stronger.

As you progress towards prime, NinjaCard may reward you with higher credit limits and lower costs. The longer you stay and the better your habits, the more value you can unlock.

MEMBER PERKS — MORE VALUE, EVERY DAY
NinjaCard Perks puts deals from brands you already use right inside the app. Earn cash playing games, save on delivery and streaming, and shop discounts on clothing, travel, and more. Already there. No searching. No clipping. Access in the NinjaCard app.

If you’ve ever felt like the traditional banking system wasn’t built for you — it wasn't. NinjaCard was.

If you've been denied for a credit card, turned down for a loan, or handed a $500 limit when you needed $1,800 — NinjaCard is what comes next.

BUILT BY THE CREDITNINJA TEAM
NinjaCard is from the NinjaHoldings family — the same team behind CreditNinja, which has helped 275,000+ Americans access credit since 2018.

Download the NinjaCard app today to see what you qualify for.

NinjaCard isn't a bank - it's the financial platform focused on real progress for Americans that traditional financing may overlook. Deposit banking services provided by Republic Bank of Chicago, Member FDIC. FlexLine Line of Credit services provided by the lending bank listed in your Line of Credit Agreement. FlexLine and FAM availability varies by state. NinjaCard may report information about your FlexLine account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. FAM is not a loan.

Ratings and reviews

Had to change my review. At 1st I thought the app was bogus but my cash advance finally was accepted. only issue is every other app transfers the money within minutes. Its been about 8 hours and no advance has landed in my account yet. We'll see how long or if I receive it today at all. If I get it, I'll come back and give 5 stars

login issue.. did a cash advance and I haven't received the funds 10 minutes in so far. The Earnin app is instant. Also the card offer is gone from the app since I did the cash advance. I still want to try for the card. also I got the money and they charged me twice it looks like. THEY CHARGED ME TWICE AND SAID THEY DIDN'T RECEIVE A PAYMENT!

I love and am grateful that Credit Ninja approved me for a line of credit when no one else would! I would highly recommend them!!

What’s new

We're constantly working behind the scenes to enhance your experience. In this update, we've squashed some bugs and made a few performance tweaks to ensure you get the most out of your NinjaCard® Line of Credit.