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Neu Money: Build Your Credit

Neu Money: Build Your Credit

Build Credit, No Credit Needed

1.2K ratings
83 reviews
🌟 Lifestyle
💰 Finance
Free

Details

  • Released
  • Updated
  • September 16, 2023
  • August 5, 2026

Features

Developer

Neu Money Inc.
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About

Build your credit history with flexible card options. Choose between 0% APR with a monthly fee or a card with no annual fee. Enjoy benefits like cashback rewards and easy mobile payments.

✓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
Show original description

What users say

Summarized from real user reviews of Neu Money. Based on 1.2K reviews and a 4.8/5 average, it highlights the 12 positives and 8 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀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

Negative things

  • ❌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
See all reviews
+1

What's New in Neu Money

1.1.60

August 5, 2026

UX enhancements and security improvements.

Events

Read more about Smarter Card Activation
Event EndedMajor Update

Smarter Card Activation

Smarter links for faster activation

Jan 8, 2026 — Feb 8, 2026

Read More

Read more about Improved Card Details View
Event EndedMajor Update

Improved Card Details View

Quick access to your card details and benefits

Jan 8, 2026 — Feb 8, 2026

Read More

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User reviews

Most RecentHighest RatedLowest Rated

Lower limit then requested

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

Great Choice

I’m pleased to have been able to acquire new relationship with Neu!
Nooneyfruit 46Nooneyfruit 46

Response from developer

Hi There, We're happy to have you with us! Thank you for your kind words and for choosing Neu Money. We appreciate your support and hope you enjoy your Neu card.

Confusing?

It' says I'm approved but i have no other information
Cin80873Cin80873

Response from developer

Hi there, thanks for letting us know. We'd like to look into this for you. Please contact us at support@neumoney.app, and our team will be happy to review this for you.

Not good

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

Response from developer

Hi Tommy, we're sorry to hear your experience did not meet your expectations. We tried contacting you today (07/25/26), by phone, to check in and make sure we deliver the best experience possible for you. Unfortunately we couldn't reach you. We'd like to hear more about what happened. When you get a chance, please feel free to contact us at support@neumoney.app, and our team will be happy to assist.

I’m still waiting to find out if I was approved or not

Because I have to right now, my credit is not good so I am hoping with all my heart
Sister Anna, 206Sister Anna, 206

Response from developer

Hey Anna! Thanks for sharing your experience. We understand how important this is, and we appreciate your excitement! Please keep an eye on your email for any updates. If you need further help, feel free to contact us at support@neumoney.app.

See 78 more reviews

User experience

🐞

Reported Bugs

5 issues

App won't open, stuck on proxy server screen

Bug

Unable to connect social/address information

Bug

Verification code not provided

Bug

Cannot remove bank accounts

Bug

App is awful, messes with credit without approval

Bug
✨

Requested Features

2 requests

Allow more than 3 bank accounts

Feature

Provide option to choose plan during approval

Feature

FAQ

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.