Boost your credit score

by 50+ points*

Boost your credit score

by 50+ points*

Boost your

credit score

by 50+ points*

No deposit, no fees, no interest.

No deposit, no fees, no interest.

Zero debt, zero stress.

Zero debt, zero stress.

No credit check.

No credit check.

Get Zyne in 60s

Skyler Reed

789

26 Jan ‘26

credit score

900

300

789

789

26 Jan ‘26

26 Jan ‘26

credit score

credit score

900

900

300

300

Skyler Reed

Skyler Reed

Zyne makes credit building simple

Zyne makes credit building simple

Onboard in 60 Seconds

Link your bank account to get Zyne card

1

Spend using Zyne

Smart limits ensure you spend only what you have

2

Daily auto-pay

Your dues are settled everyday with zero effort

3

Watch your credit grow

On-time payments are reported to all 3 credit bureaus

4

Why Zyne is the smarter way to build credit

Why Zyne is the smarter way to build credit

No deposit

No debt

No fees

No interest

No credit check

No credit check

Other Credit Builders

Others

Others

Apply Now

Real stories from Zyne users

Real stories from Zyne users

  • My score went up 20 points in just 3 months! I never thought building credit could be this easy.

    Emmett J

  • Zyne helped me afford a car! It does exactly what it promises with no fees. My credit score is finally where I wanted.

    Emily T

  • With Zyne, I no longer worry about not having enough to pay off my card bill. I just use it freely to increase my score.

    Tyrese R

  • I wanted to improve my credit but I didn't have a lot of options without paying upfront. I gave Zyne a shot and it just worked.

    Jamal B

Start Building Credit in 60s

Start Building Credit in 60s

No deposit, no fees, no interest.

Get Zyne Now

Skyler Reed

Skyler Reed

Skyler Reed

789

789

789

26 Jan ‘26

26 Jan ‘26

26 Jan ‘26

credit score

credit score

credit score

900

900

900

300

300

300

FAQs

FAQs

Is Zyne a secured credit card?

No. Zyne is not a secured credit card.

Secured credit cards typically require an upfront security deposit that becomes your credit limit.

Zyne, on the other hand, is a credit-building card that helps you build credit like a secured card, but without requiring an upfront deposit, charging interest or fees, or performing a credit check. You can only spend what you have, and your spending is automatically repaid within 2–5 business days, so you never go into debt.

How is Zyne better than traditional credit cards?

How does Zyne help me improve my credit score?

What is the credit limit on Zyne card?

What do I need to apply for Zyne card?

What will Zyne cost me?

Is Zyne a secured credit card?

No. Zyne is not a secured credit card.

Secured credit cards typically require an upfront security deposit that becomes your credit limit.

Zyne, on the other hand, is a credit-building card that helps you build credit like a secured card, but without requiring an upfront deposit, charging interest or fees, or performing a credit check. You can only spend what you have, and your spending is automatically repaid within 2–5 business days, so you never go into debt.

How is Zyne better than traditional credit cards?

How does Zyne help me improve my credit score?

What is the credit limit on Zyne card?

What do I need to apply for Zyne card?

What will Zyne cost me?

Is Zyne a secured credit card?

No. Zyne is not a secured credit card.

Secured credit cards typically require an upfront security deposit that becomes your credit limit.

Zyne, on the other hand, is a credit-building charge card that helps you build credit like a secured card, but without requiring an upfront deposit, charging interest or fees, or performing a credit check. You can only spend what you have, and your spending is automatically repaid within 2–5 business days, so you never go into debt.

How is Zyne better than traditional credit cards?

How does Zyne help me improve my credit score?

What is the credit limit on Zyne card?

What do I need to apply for Zyne card?

What will Zyne cost me?

Is Zyne a secured credit card?

No. Zyne is not a secured credit card.

Secured credit cards typically require an upfront security deposit that becomes your credit limit.

Zyne, on the other hand, is a credit-building charge card that helps you build credit like a secured card, but without requiring an upfront deposit, charging interest or fees, or performing a credit check. You can only spend what you have, and your spending is automatically repaid within 2–5 business days, so you never go into debt.

How is Zyne better than traditional credit cards?

How does Zyne help me improve my credit score?

What is the credit limit on Zyne card?

What do I need to apply for Zyne card?

What will Zyne cost me?

Need help? Reach us at support@zyne.cards

© 2026. Ryze India Advisory Solutions Private Limited.

© 2026. Ryze India Advisory Solutions Private Limited.

¹ The Aligned Company d/b/a Zyne (“Zyne”) is a technology company, not a bank. Zyne is part of the registered entity - Ryze India Advisory Solutions Private Limited. This Card can be used everywhere Mastercard is accepted.

² Zyne is an independent product and is not affiliated with Mastercard, or any other third-party brands referenced on the website or in marketing materials. Any use of the Mastercard branding is for the purpose of communicating the card's capabilities and acceptance and is not intended to imply any direct business relationship with those entities.

³ To transact with your Zyne Card, you must have an active, Mastercard-compatible bank account linked to Zyne’s services (“Partner Account”). If your Partner Account is disconnected from Zyne services for any reason, you will not be able to use your Zyne Card. Within 30 days of the date of each transaction made using your Zyne Card, Zyne will initiate one or more ACH debits to deduct equivalent funds from your Partner Account. These ACH debits typically deduct funds from your Partner Account within 2 to 3 business days after initiation by Zyne, or up to 14 days after your transaction, depending on the repayment program selected.

*Based on average score increase for users across 12 months when current on all accounts.