Top Credit Cards Startups in 2024

Xendit provides payments infrastructure for South East Asia. We help tech companies thrive via suite of APIs that allows them to accept and send payments.

Stripe is a software platform for starting and running internet businesses. Millions of businesses rely on Stripe’s software tools to accept payments, expand globally, and manage their businesses online. Stripe has been at the forefront of expanding internet commerce, powering new business models, and supporting the latest platforms, from marketplaces to mobile commerce sites. We believe that growing the GDP of the internet is a problem rooted in code and design, not finance. Stripe is built for developers, makers, and creators. We work on solving the hard technical problems necessary to build global economic infrastructure—from designing highly reliable systems to developing advanced machine learning algorithms to prevent fraud.

Chime was created with the mission to make financial peace of mind a reality for millions of Americans. We're one of the fastest-growing financial technology companies in the U.S., offering banking services that are helpful, easy, and free—because we want to profit with our members, not from them. Our model doesn’t rely on overdraft, monthly service, minimum balance, or other member fees—it just focuses on delivering member value. How does Chime work? We partner with regional banks to design member-first financial products. This creates a more competitive market with better, lower-cost options for everyday Americans who aren’t being served well by traditional banks. We offer access to bank accounts with fee-free overdraft, provide members the chance to receive early access to their paychecks, help them improve their credit, and more! We help drive innovation, inclusion, and access across the industry with one of the most experienced leadership teams in fintech guiding us along the way. We were recently valued at over $25.5B and we’ve raised over $1.7B in funding from leading investors including Sequoia Capital Global Equities, SoftBank Vision Fund 2, General Atlantic, Tiger Global, Dragoneer, DST, Coatue, Iconiq, Menlo Ventures and others. *Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Zero is a bank replacement app that combines the simplicity of a debit card with the cash back of a credit card. Your deposits are FDIC-insured and you earn an unlimited 1% to 3% cash back on your purchases with Zerocard, a World Mastercard. There are no foreign transaction fees, annual fees, account minimums, or monthly maintenance fees, and our support team is available 24/7. According to the New York Times, Zero is "a better overall offer than almost any credit card. Team members come from Affirm, Apple, Capital One, Dropbox, Google, Postmates, Shift, SigFig, Silicon Valley Bank, Upgrade, Wells Fargo, and Zynga. Investors include New Enterprise Associates, ENIAC Ventures, SignalFire, Nyca Partners, Lightbank, and Middleland Capital.

MaxRewards makes personal finance more rewarding. We are on a mission to enrich the lives and finances of billions by unlocking the max potential of every financial decision. Today, the MaxRewards app helps people unlock the full value of their credit cards. We automatically activate hidden credit card offers & perks, reveal the best card for every purchase and provide the most comprehensive aggregation of credit card accounts. Our members earn, on average, over $1,200 in rewards and cash back every year! We raised a [$3M seed round](techcrunch.com/2021/09/10/maxrewards-banks-3m-to-reveal-best-payment-methods-…) from amazing venture firms and strategic angels last year and plan to raise our Series A later this year. We have over 125,000 members and are growing rapidly!

Plastiq is bill pay with benefits, enabling business owners and consumers to use a credit card for virtually any expense, even ones that normally require a check. With Plastiq, it's easier to earn credit card rewards, tap early-payment discounts, and use your cash in ways that make the most sense for you. Plastiq works with all major credit card providers, including American Express, Discover, Mastercard, Visa, and JCB, and its payments platform has signed up more than one million clients, processing billions in payments for a wide range of expenses, from business supplier payments, to contractors, to taxes and rent. Learn more at plastiq.com.

Kard believes that today's consumer needs a comprehensive rewards solution that doesn't require them to learn a new platform. By partnering with both merchants and financial institutions, we’re redefining the loyalty industry to provide cardholders with even better rewards.

Firstcard helps everyone build credit no matter who they are, where they are from, or their credit history. Firstcard primarily focuses on serving immigrants, non-US citizens, international students, first-generation college students, and underserved low-credit communities in the US who are often denied credit due to the limited access to credit-building tools provided by traditional banks. Members can build credit, open a credit card and a bank account, earn cashback, and grow savings — all within a single platform. Firstcard is on a mission to democratize credit for all. Firstcard is based in Silicon Valley and has raised $7.8M to date from angel investors and venture capital firms such as AngelList Early Stage Quant Fund, CyberAgent Capital, and East Ventures. Popular Japanese soccer player Keisuke Honda is also a participating investor.

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