# Neu Money: Build Your Credit — Build Credit, No Credit Needed

> Credit building card with 0% APR or no annual fee options. (iPhone/iPad app by Neu Money Inc..)

- Source: https://appshunter.io/ios/app/neu-money-build-your-credit/id1666496536 (this page in markdown: same URL + `.md`)
- Developer: [Neu Money Inc.](https://appshunter.io/developer/1650398403)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.80/5 from 1,216 App Store ratings · 88 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.0 · 169 MB
- Languages: American English
- Released: 2023-09-16
- Data updated: 2026-08-27
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/neu-money-build-your-credit/id1666496536/reviews.md

## What is Neu Money?

Neu is a credit builder card for students, immigrants, and anyone new to U.S. credit. No Social Security Number required.* Apply in 5 minutes and get a quick decision. Pick 0% APR forever or no annual fee.

*If you have an SSN you must provide it.

Choose between No Interest (EVER) or No Annual Fee (ALWAYS). No tricks, no confusion. Simple, transparent, and built around you.

CHOOSE THE NEU CARD THAT BUILDS CREDIT YOUR WAY:

0% APR NEU 1 VISA CARD:
* 0% APR. No interest, ever
* $7 a month. One simple monthly fee, and that is it

NO ANNUAL FEE NEU 2 VISA CARD:
* No annual fee, always
* 26.99 to 29.99% APR

BENEFITS THAT COME WITH BOTH CARDS:
* $350 and up credit limit
* Earn unlimited 3% cash back on airfare..
* Apply in under 5 minutes, get a quick decision
* Simple application for those building credit
* Add to Wallet and pay with the tap of your phone
* Account freeze capability
* A credit line that can increase over time
* Get $25 for every friend you refer who is approved for Neu Card, up to 25 friends
* Real human customer service

WHO THE NEU CARD IS FOR:
* International students building credit for the first time
* Immigrants and visa holders, including those with no Social Security Number
* F-1, J-1, and H-1B visa holders
* First-time cardholders and recent graduates
* Anyone new to the U.S. financial system

Neu is a credit card for international students, new immigrants, and anyone looking for a credit card with no Social Security Number required.

YOUR SCORE STARTS HERE.
Each on-time payment you make helps build your credit history over time.

Issuer Disclosure:
*Annual percentage rate
**Neu Card issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

See all rates and fees: https://neumoney.app/terms-and-conditions/

What's New
Earn $25 for every friend you refer who gets approved, up to 25 friends. Updated card benefits.

## Key features

- 0% APR or No Annual Fee options
- 3% cashback on air travel
- Tap and pay functionality
- Account freeze capability
- Real human customer service
- Credit limit increases over time

## What do users think of Neu Money?

Overall sentiment: positive

**Pros**

- 🚀 Fast approval process
- 👍 Easy application process
- 👍 User-friendly app interface
- 💳 Great for building credit
- 🎓 Good for students
- 💡 0% APR offers
- 🤝 Helpful customer service
- 💰 Cash back rewards
- 📈 Credit score tracking
- 📱 Digital wallet integration
- ✅ No credit history required
- 💯 Transparent fees

**Cons**

- ❌ Hard credit pull concerns
- 📉 Low credit limit increases
- 🐛 App not opening
- ⚠️ Issues connecting bank accounts
- ⏳ Slow decision process
- 🚫 Limited bank account additions
- ❌ Inconsistent customer service
- 👎 Declines for everything

**Commonly reported bugs**

- App won't open, stuck on proxy server screen
- Unable to connect social/address information
- Verification code not provided
- Cannot remove bank accounts
- App is awful, messes with credit without approval

**Most requested features**

- Allow more than 3 bank accounts
- Provide option to choose plan during approval

## Recent user reviews (10 of 88)

All indexed reviews: https://appshunter.io/ios/app/neu-money-build-your-credit/id1666496536/reviews.md

### 5/5 — Easy

*2026-08-25, version 1.1.60*

This is by far the easiest card to manage that I have ever had. The app is easy to maneuver and in the year I have had this card, never one has there been any problem. Great job Neu!

### 4/5 — So far so good!

*2026-08-18, version 1.1.60*

Just got the card and it’s been ok except low limit

### 5/5 — Nice Credit Card!

*2026-08-15, version 1.1.60*

This card helps you build your credit! Easy to apply! Give it a try!

### 5/5 — Neu

*2026-08-12, version 1.1.60*

So far the application was easy and great. Let’s hope having the card is this great!

### 5/5 — Very happy

*2026-08-12, version 1.1.60*

Card is very easy to use.

### 3/5 — Lower limit then requested

*2026-08-04, version 1.1.59*

I am waiting to see any additional fees then I expected. Hopefully this will help me raise my credit score.

### 5/5 — Great Choice

*2026-08-02, version 1.1.59*

I’m pleased to have been able to acquire new relationship with Neu!

### 3/5 — Confusing?

*2026-07-24, version 1.1.59*

It' says I'm approved but i have no other information

### 1/5 — Not good

*2026-07-23, version 1.1.59*

You have 100s of apps that can build your credit score up. This app and service is not good. 💯🤮

### 5/5 — I’m still waiting to find out if I was approved or not

*2026-07-13, version 1.1.58*

Because I have to right now, my credit is not good so I am hoping with all my heart

## Frequently asked questions about Neu Money

### What does Neu Money do?

Neu Money offers credit cards designed to help users build their credit history. Users can choose between a card with 0% Annual Percentage Rate (APR) for a monthly fee or a card with no annual fee but a standard APR. The app provides features like cashback rewards and mobile payment capabilities.

### What are the key features of Neu Money cards?

Key features include the choice of 0% APR or no annual fee, 3% cashback on air travel purchases up to $1,000 annually, tap-to-pay functionality, account freeze capability, and access to real human customer service. Credit limits can also increase over time.

### How much does Neu Money cost?

There are two main card options. The 0% APR Neu Card has a simple monthly fee of $7. The No Annual Fee Neu Card has no annual fee but carries an APR of 26.99%–29.99%. Both cards offer a credit limit of $350 and up.

### Who is Neu Money for?

This app is ideal for individuals starting their credit journey, including recent graduates, international workers, immigrants, and anyone who has been overlooked by traditional banks. It provides a straightforward and inclusive way to establish credit history.

### How can I use Neu Money to build credit?

Every payment you make on your Neu Card is reported to credit bureaus, automatically and effortlessly strengthening your credit history. The app is designed to make this process simple and transparent for users looking to build a strong financial foundation.

## Version history (last 5 releases)

### 1.1.60 — 2026-08-05

UX enhancements and security improvements.

### 1.1.59 — 2026-07-23

UX enhancements and security improvements.

### 1.1.58 — 2026-07-08

UX enhancements and security improvements.

### 1.1.57 — 2026-06-30

UX enhancements

### 1.1.56 — 2026-06-23

UX enhancements and security improvements

## Apps similar to Neu Money

| App | Rating | Price | Category |
| --- | --- | --- | --- |
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| [X1 Card](https://appshunter.io/ios/app/x1-card/id1581364879) | 4.9 (12,116) | Free | Finance |
| [TomoCredit](https://appshunter.io/ios/app/tomocredit/id6504301873) | 3.4 (523) | Free | Finance |

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*