Prosper® Card
Prosper · MASTERCARD
The Prosper® Card is a credit card from Prosper on the MASTERCARD network. It has an annual fee of $0.
Key facts
- Annual fee
- $0
- Credit needed
- Fair
- Network
- MASTERCARD
Benefits and perks
- No security deposit required
- No annual fee for the first year with AutoPay. The annual fee for this credit card is $59, which will be waived for your first year if you are approved and sign up for AutoPay before we issue your first statement.
- We don’t charge fees for ATM cash withdrawals. Third party fees may apply.
- Initial credit limit up to $3,000
- We regularly report on your credit card performance to help you establish credit history
- Zero fraud liability (which offers protection against unauthorized purchases)
- While you wait for your Prosper® Card to ship, use a portion of your credit line instantly through Digital Wallet, MyProsperCard App, or Prosper.com
- Choose a monthly payment date that works for you
- Free mobile app—MyProsperCard
- Issued by Coastal Community Bank, Member FDIC pursuant to a license by Mastercard® International
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 Prosper® Card
What is the annual fee on the Prosper® Card?
The Prosper® Card has an annual fee of $0.
What credit score do you need for the Prosper® Card?
The Prosper® Card is generally listed for applicants with fair credit. Approval also depends on income and the issuer's own criteria.
Is the Prosper® Card worth it?
The Prosper® 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.
Upload a statement