Perpay Credit Card
Written by Kenji NiwaEdited by Kenji NiwaOn Perpay Inc.'s site
19,776 Firstcard clicks in the last 12 months
The Perpay Credit Card is an unsecured credit card issued by Celtic Bank. Payments come out of your paycheck through payroll direct deposit, and Perpay reports to all three credit bureaus. Starting limits go up to $1,500.
On Perpay Inc.'s site
Up to $1,500 to start
Credit limit
$0
Annual fee
27.99%–29.99%
APR
No
Prequalify
The details
- Annual fee
- $0
- Monthly fee
- $5.50 to $9 first year, then $9 (plus $9 one-time opening fee)
- One-time fee
- $9 account opening fee
- APR
- 27.99% to 29.99% variable
- Credit limit
- Up to $1,500 to start
- Security deposit
- None
- Late fee
- Up to $24
- Foreign transaction fee
- 3% of each transaction
- Cash advance fee
- Not available
- Credit check
- Yes
- Prequalification
- No
- Bureaus reported
- Equifax, Experian and TransUnion (all 3)
- Rewards
- 2% back on every payment, as Perpay Marketplace credit
- Issuer bank
- Celtic Bank
Facts come from the issuer's own terms, checked October 12, 2026. Confirm them on the issuer's site before you apply.
Pros & cons
Pros
- Applying won't affect your FICO or VantageScore. Perpay may check Clarity, an alternative bureau.
- Starting limits up to $1,500, with a review for more in as few as 3 months.
- Reports to Experian, Equifax and TransUnion.
Cons
- A $9 opening fee, plus a monthly fee of $5.50 to $9 in year one and $9 after. That is up to $108 a year.
- You must set up ongoing payroll direct deposits to Perpay to qualify.
- The 2% rewards come only as Perpay Marketplace credit, not cash. Late payments cost up to $24.
Compare Perpay Credit Card to other no-deposit cards
- Credit limit
- Up to $1,500 to start
- Yearly fee
- $0
- APR
- 27.99%–29.99%
- Credit limit
- —
- Yearly fee
- $0
- APR
- 29.24% variable
- Credit limit
- $300 to $3,000
- Yearly fee
- $0 to $125
- APR
- 29.99% to 35.99% fixed
- Credit limit
- Up to $3,000 to start
- Yearly fee
- $0 to $59
- APR
- 19.99%–33.99%
Similar cards are picked automatically: same list, ranked by Firstcard editors' rating, whether or not Firstcard has a deal with them. Clicks are Firstcard members sent to each card in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- High APR. Up to 29.99% is well above the U.S. average of 22.15% for cards that charge interest (Federal Reserve, Q2 2026). If you can't pay in full every month, a balance gets expensive fast.
U.S. average APR on accounts assessed interest: Federal Reserve G.19, Q2 2026.
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