The Super.com credit card, officially the Super.com Secured Credit Card, is one of the more unusual cards on the market. It looks like a credit card, reports to credit bureaus like a credit card, and earns cashback like a credit card, but it works almost exactly like a prepaid debit card. (If you are still vetting the company itself, our Is Super.com legit? piece is the place to start.) There is no balance to carry, no APR to worry about, and no late fee to dodge.
This review covers the Super.com Card fees, rewards, credit reporting, and who actually benefits from the card.
What the Super.com Card Is
The Super.com Card is a hybrid prepaid/secured Mastercard, issued through a partner US bank under a Mastercard license. You load funds into your Super account (or use "Just-in-Time" funding from a linked debit card), spend up to that amount with the card, and the activity reports to all three credit bureaus (Experian, TransUnion, Equifax).
You cannot overspend the available balance, which is why there is no APR, no late fee, and no over-limit fee. The card is essentially a debit card that builds credit history.
Fees and Costs
The card itself has effectively zero card-level fees:
- $0 annual fee
- 0% APR (since you cannot carry a balance)
- $0 late payment fee
- $0 returned payment fee
- $0 minimum deposit
- $25 expedited card-shipment fee (optional)
- Standard Mastercard foreign currency conversion fee on international purchases
The catch is the Super+ membership. To activate the Super.com Card, you need an active Super+ subscription at $15 per month. That is $180 per year, which functionally acts as the card's annual fee.
For comparison, the Self Visa® Credit Card charges $25 per year ($0 the first year) and is a true secured credit card with no monthly subscription. Different fee structure, different positioning, but cheaper if all you want is a credit-building card.
Super.com Credit Card
Super.com Credit Card
The Super.com Credit Card is a Mastercard issued through Super+ ($15/mo). It reports to the major credit bureaus to help members build credit history, with no hard credit pull at signup. The card pairs best with Super.com's travel features. The 10% SuperCash back on hotels makes the membership easiest to recoup.
Fee
$15/mo Super+ membership
APR
0% (secured/prepaid hybrid, balance cannot be carried)
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% on all, 5% on SuperShop partners, 10% on SuperTravel hotels
Benefit
2% cash back on all purchases, 10% on hotels via SuperTravel, up to $250 cash advance with $0 interest
Cashback Structure
Cashback is the Super.com Card's clearest selling point:
- 10% cash back on hotels booked through SuperTravel
- 2% cash back on all other purchases
That 2% baseline beats most other secured cards, where 0% to 1% cashback is typical. The 10% travel rate beats most travel cards if you actually book through SuperTravel.
There are caps and definitions to read carefully. Hotel cashback only applies to SuperTravel bookings (not Booking.com, Expedia, or direct bookings). For which corridors actually save the most, see our Super.com hotels review.
Spending Limits
The card is designed with prepaid-style guardrails. Daily spending and monthly load caps apply, and they vary by account standing and verified deposit history. The exact ceilings show up inside the Super app on the card screen. In practice, the card is sized for everyday spending and small purchases, not large appliances or down payments.
Credit Reporting
The Super.com Card reports activity to Experian, TransUnion, and Equifax monthly. Activity that reports includes:
- On-time payments (which by design happen automatically since the card is prepaid)
- Account age
- Account utilization (how much of the available balance you are spending)
What does not get reported as a "missed payment" is anything because the card cannot go past due. This is the whole point of the hybrid structure: you cannot accidentally damage your credit.
Who Should Get the Super.com Card
The card is a fit if you:
- Already plan to use Super.com for hotel deals or cash advances
- Want a no-risk credit-building tool with no late-payment risk
- Spend at least $750 a month on the card (2% cashback covers the membership)
- Travel enough that 10% on SuperTravel hotels matters
It is probably not the right card if you:
- Only want a credit-builder card and do not need the rest of Super
- Need a card with a high spending ceiling
- Want to carry a balance occasionally (the card does not allow this)
For pure credit-building without the travel ecosystem, a dedicated credit-builder loan or a true secured card is usually cheaper.
How It Compares to a Real Secured Card
A traditional secured credit card requires a refundable deposit equal to your credit limit. You make purchases, get a real billing cycle, pay the statement balance, and the issuer reports to bureaus. The risk is that if you miss a payment, your score drops.
The Super.com Card removes that risk by removing the billing cycle entirely. You can never miss a payment because there is no payment due. The cost of that simplicity is the $15-a-month membership and the loss of the "real credit card" feel that lenders sometimes look for.
If you want a true secured card with a clean reporting path and a clear graduation to unsecured cards, OpenSky does not run a credit check, requires a $200 minimum deposit, and reports to all three bureaus monthly.
The card also pairs with the Super.com cash advance under the same Super+ subscription, so if you are using both, the $15-a-month math gets easier. For a top-down view of the whole bundle, see our Super.com review.
Frequently Asked Questions
Is the Super.com Card a real credit card?
The Super.com Card is a hybrid prepaid/secured Mastercard. It functions like a debit card (you can only spend funds you have loaded) but reports activity to the three credit bureaus like a credit card. So it builds credit history while removing the risk of carrying balance debt.
Does the Super.com Card check my credit?
No. There is no hard or soft credit check to apply for the card. Eligibility is based on having an active Super+ membership and a verified bank account, not on your FICO score.
How much does the Super.com Card cost?
The card itself has $0 annual fee, $0 APR, and no late or returned-payment fees. To activate it, you need a Super+ subscription at $15 per month, which works out to $180 per year. There is no minimum deposit requirement. Optional fees include $25 for expedited card shipping and Mastercard's foreign currency conversion fee on international purchases.
Does the Super.com Card report to all three credit bureaus?
Yes. The Super.com Card reports activity to Experian, TransUnion, and Equifax. Reporting typically begins within the first month of card activation and continues monthly while the card is active.
