Perpay™ Credit Card
Perpay · MASTERCARD
The Perpay™ Credit Card is a credit card from Perpay on the MASTERCARD network. It has an annual fee of $0. It earns 2% on transport & transit.
Key facts
- Annual fee
- $0
- Credit needed
- Bad
- Network
- MASTERCARD
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Transport & transit | 2% | Earn unlimited 2% rewards on every payment.* Plus, enjoy the benefits of a World Mastercard including offers from Lyft, Instacart and Peacock. |
Benefits and perks
- Meet the only card powered by your paycheck. Set up direct deposit payments and access up to a $1,500 credit line with no hard credit check, no security deposit and no annual fee*.
- Easy, risk-free application with instant decision. See if you’re approved with no impact to your credit score.
- In addition to the Perpay™ Credit Card, unlock up to a $1,000 Spending Limit to shop top brands in the Perpay™ Marketplace. Make interest-free installment payments with your paycheck.
- Earn unlimited 2% rewards on every payment.* Plus, enjoy the benefits of a World Mastercard including offers from Lyft, Instacart and Peacock.
- Be automatically considered for a higher credit line in as few as 3 months.
- Build your credit and strengthen your credit history across the 3 major credit bureaus: Experian, Equifax and TransUnion.
- No security deposit. Use the Perpay™ Credit Card as soon as you receive it, and keep your cash on hand for when you need it.
- No annual fee. Pay as you get paid, just $9 / month.*
- The Perpay™ Credit Card is issued by Celtic Bank.
- *See offer terms and benefit terms for more details.
Rates and fees
Annual membership fee: $0.
Rates and fees as published by the issuer and recorded on 6 Sept 2026. See the issuer's terms for current rates.
Questions about the Perpay™ Credit Card
What is the annual fee on the Perpay™ Credit Card?
The Perpay™ Credit Card has an annual fee of $0.
What rewards does the Perpay™ Credit Card earn?
The Perpay™ Credit Card earns 2% on transport & transit.
What credit score do you need for the Perpay™ Credit Card?
The Perpay™ Credit Card is generally listed for applicants with bad credit. Approval also depends on income and the issuer's own criteria.
Is the Perpay™ Credit Card worth it?
The Perpay™ Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
Not sure this is the right card for you?
Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.
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