Neu helps you access and build credit your way.
Choose between No Interest (EVER) or No Annual Fee (ALWAYS)—no tricks, no confusion. We keep things simple for anyone starting their credit journey.

If you’re new to credit including students, recent graduates, international users, and those new to the U.S. financial system. Neu is built to support first-time credit card holders.

Enjoy unlimited 3% cash back on airfare.

Apply in just a few minutes and get a quick decision. We provide a simple structure, transparent terms, and real human support.

ENJOY BENEFITS SUCH AS:
Tap and pay, account-freeze capability, real human customer service, and unlimited 3% cash back on airfare.

NEU HELPS CUSTOMERS:
Who are starting their credit journey build a strong financial foundation. This includes people with no credit history, international students, and individuals who are new to the U.S. credit system. Neu provides recent graduates, international workers, and others overlooked by traditional banks with a safe, inclusive, and straightforward way to build their credit profile and establish their financial standing.

YOUR SCORE STARTS HERE
Each on-time payment helps you build your credit history and improve your score. Take advantage of autopay to make your payments even easier and effortlessly continue on the path to great credit.

CHOOSE THE NEU CARD THAT BUILDS CREDIT YOUR WAY:

Neu Card 1—No Interest:
- 0% APR*—forever
- One simple $7 monthly fee
- A no-interest card option for first-time credit users

Neu Card 2—No Annual Fee:
- No annual fee—ever
- Fixed APR* for life of the card—up to 29.99%
- A no-annual-fee card for people building or managing their credit

BENEFITS OF BOTH CARDS:
- Starting credit limit from $350 and up, with potential increases through demonstrated on-time payments
- Unlimited 3% cash back on airfare
- No foreign transaction fees
- Apply online in under 5 minutes; most receive a quick decision.
- Add to Wallet and tap to pay
- Fraud protection with account freeze capability
- A credit line that can increase over time
- Get $20 for every friend you refer who is approved for Neu Card, up to 25 friends
- Real human customer support

Neu is a credit card for college students, international students, those new to the U.S. banking system, and individuals with no credit history or who are new to the U.S. banking system.

*Annual Percentage Rate
See full rates and fees: https://neumoney.app/terms-and-conditions/
Neu Card made by Cross River Bank, Member FDIC, pursuant to a license from
Visa U.S.A. Inc.
This is not a deposit product.