# NinjaCard® – Banking & Credit — Banking + Credit Access > Mobile app for a revolving line of credit to borrow and build credit. (iPhone/iPad app by KMD Partners, LLC.) - Source: https://appshunter.io/ios/app/ninjacard-banking-and-credit/id6449604160 (this page in markdown: same URL + `.md`) - Developer: [KMD Partners, LLC](https://appshunter.io/developer/1551810130) - Category: Finance - Price: Free - Rating: 4.20/5 from 476 App Store ratings · 70 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 79 MB - Languages: American English - Released: 2024-02-22 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/ninjacard-banking-and-credit/id6449604160/reviews.md ## What is NinjaCard®? Your car breaks down. You need $1,800. The app you've been using offers $500. That's the gap NinjaCard® was built for. NinjaCard’s FlexLine Line of Credit can give you revolving credit up to $2,500 — draw what you need, pay it back, draw again. No minimum credit score. No reapplying. No disappearing after one use. FlexLine is currently available in: AL, AZ, DE, FL, ID, IN, KS, KY, LA, MI, MN, MO, MS, MT, NE, OH, OK, SC, TN, TX, UT, WI, and WY. Not in your state yet? Join the waitlist at ninjacard.com. FLEXLINE — CREDIT ACCESS UP TO $2,500 • Revolving line of credit — borrow, repay, borrow again • No minimum credit score required • We evaluate your income and banking history — so we can say yes when traditional lenders say no FLEXBANKING — CHECKING AND SAVINGS • FDIC-insured checking and savings accounts • Visa debit card accepted everywhere Visa is • Get paid up to 2 days early with direct deposit • No overdraft fees, no NSF fees, no minimum balance penalties • Banking services provided by Republic Bank of Chicago, Member FDIC FLEXADVANCE MEMBERSHIP— CREDIT TOOLS PLUS A CASH ADVANCE • $2.99/month subscription fee provides access to: • Experian credit monitoring, score tracking, and score planning • A $100 cash advance available when you need it • Subject to subscription terms • Learn more at ninjacard.com YOUR PATH FORWARD • The NinjaCard platform is designed to help you progress towards prime • The longer you stay and the better your financial habits, the more you can unlock • Responsible use may reduce your fees and increase your limits over time MEMBER PERKS — MORE VALUE, EVERY DAY • Earn money playing games • Save on meal delivery and streaming • Get deals on clothing, electronics, and travel • No searching. No clipping. Access in the NinjaCard app. If you’ve ever felt like the traditional banking system wasn’t built for you — it wasn’t. NinjaCard was. From the team behind CreditNinja — 275,000+ Americans served since 2018. Download the NinjaCard app today to see what you qualify for. NinjaCard, LLC isn’t a bank, it’s the financial platform focused on real progress for real Americans that traditional banks overlooked. Banking services provided by Republic Bank of Chicago, Member FDIC. FlexLine provided by First Electronic Bank or another lender named in your agreement. FlexLine availability varies by state. NinjaCard may report information about your FlexLine account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. ## Key features - Revolving line of credit - Access cash on demand - Next business day funding - Easy in-app repayments - Build credit history - No hidden fees ## What do users think of NinjaCard®? Overall sentiment: negative **Pros** - 🚀 Quick and fast fund disbursement - 👍 User-friendly application process - 💳 Easy-to-use app interface - ⚡ Simple navigation and design - ✅ Quick approval decisions - 🎯 Straightforward credit line access **Cons** - 💰 Unclear and predatory interest rates - 🚫 Misleading fee structures (ABD fees) - ⚠️ Compounding interest not clearly disclosed - 🔓 Data sharing with third-party lenders without consent - 📍 Service unavailable in many states but not disclosed upfront - 🚫 Continuous spam emails and calls after signup - ❌ Frequent account lockouts and fraud blocks - 😤 Poor and unresponsive customer service - 🔐 Potential account security and hacking concerns - 📋 Collects personal information then denies service **Commonly reported bugs** - Bank verification fails or loads indefinitely - App crashes on startup - Account access blocked after login - Incorrect bank options displayed - System update errors that never resolve - Funds promised but never received - Unexpected charges after account closure **Most requested features** - State availability disclosure before application - Clear fee and interest rate breakdown upfront - Opt-in/opt-out for third-party data sharing - Better bank verification system - Improved customer support responsiveness ## Recent user reviews (10 of 70) All indexed reviews: https://appshunter.io/ios/app/ninjacard-banking-and-credit/id6449604160/reviews.md ### 1/5 — VERY SCUMMY APP *2026-05-29, version 1.100.1* A quick rundown since they are super scummy and won’t actually tell you the interest rate but instead use a bunch of words that really are confusing to most. Your interest rates are anywhere from 300-900% they will trap you in a never ending cycle. DO NOT USE! If you need extra quick cash go through Dave or tilt empower ### 1/5 — Scam *2026-05-10, version 1.100.1* I was signing up and put all my information in just to get denied with no explanation so my information is just stolen ### 5/5 — Ninja card *2026-04-14, version 1.96.0* Great app for cash advance and loans check it out! ### 1/5 — DO NOT DOWNLOAD *2026-04-07* I was struggling during Christmas time found out about this app through Money Lion, and it seemed like a decent option , I needed $800, and after doing the payment which was about 60 a month on top of a ABD fee (average daily balance) I paid over $300 and still owed about 700, on top of the monthly payment you’ll be charged twice a month for an abd fee which does not go towards the amount owed, for me it was $50, I took out a loan from the bank I use everyday to pay off this one and even tho I paid off the remaining balance , I still got charged another $50 something, paid that now I’m in the clear, AT ALL COSTS STAY AWAY FROM THEIR COMPOUNDING INTEREST ITS NOT CLEAR WHEN YOU GO THROUGH THE APPLICATION PROCESS ### 5/5 — NinjaCard *2026-02-11, version 1.91.0* I love it so so much it helps me so much ### 1/5 — SCAM ALERT !!!!!!!!!!!! *2026-01-09* The answer is YES this app is a true scam tbh I don't even know where I found this app but when signed up everything looked legit I gave them all my personal info and linked my primary BANK account due to being promised I could get a $1300 credit line once I logged into my bank thru their app I received a message saying pending verification 2 hours later I lost all access to my bank account and they called me explaining that my account was now temporarily blocked due to fraud STAY AWAY THEM MFS TRIED TO TAKE $900 FROM MY ACCOUNT ### 1/5 — HORRIBLE *2025-12-31, version 1.90.2* This app is HORRIBLE, it will deny you continuously to sell your info and its ridiculous. I should report the app because of how they operate ### 3/5 — No support *2025-12-22, version 1.90.0* Can’t connect to the bank at all I have try over 25 no support at all ### 1/5 — They send your info to 3rd party *2025-12-12, version 1.88.0* I’m sooooo irritated!!! 😡 they send my information to a 3rd party credit lender WITHOUT MY PERMISSION! Now I’m getting constant calls and emails. Super frustrating and annoying! Looking into a lawsuit in regards to this now ### 5/5 — Good *2025-12-08* For me NinjaCard has worked out fine I would recommend it. ## Frequently asked questions about NinjaCard® ### What does the NinjaCard app do? The NinjaCard app provides access to a revolving line of credit, allowing you to borrow money flexibly. You can manage your account, request cash, make payments, and track your credit building progress directly through the app. ### How can I build credit history with NinjaCard? By using the NinjaCard line of credit and making timely repayments, you can establish and build your credit history. Responsible borrowing and payment behavior are reported to credit bureaus, helping to improve your credit score over time. ### Is there a cost to use the NinjaCard app? The app itself is free to download and use. The primary cost associated with NinjaCard is the interest charged on the borrowed line of credit, as outlined in your specific loan agreement. There are no hidden fees. ### What are the eligibility requirements for NinjaCard? Eligibility for the NinjaCard FlexLine Line of Credit depends on factors such as your creditworthiness and the state you reside in. The service is currently available in specific states, and you can join a waitlist for future availability. ### How quickly can I get funds from NinjaCard? Once approved and you request funds, you can typically receive your money as soon as the next business day, or potentially sooner. The app facilitates easy access to cash on demand. ## Version history (last 5 releases) ### 1.107.0 — 2026-08-17 We're constantly working behind the scenes to enhance your experience. In this update, we've squashed some bugs and made a few performance tweaks to ensure you get the most out of your NinjaCard® Line of Credit. ### 1.106.0 — 2026-08-05 We're constantly working behind the scenes to enhance your experience. In this update, we've squashed some bugs and made a few performance tweaks to ensure you get the most out of your NinjaCard® Line of Credit. ### 1.105.0 — 2026-07-30 We're constantly working behind the scenes to enhance your experience. In this update, we've squashed some bugs and made a few performance tweaks to ensure you get the most out of your NinjaCard® Line of Credit. ### 1.103.0 — 2026-07-24 We're constantly working behind the scenes to enhance your experience. In this update, we've squashed some bugs and made a few performance tweaks to ensure you get the most out of your NinjaCard® Line of Credit. ### 1.102.3 — 2026-07-09 We're constantly working behind the scenes to enhance your experience. In this update, we've squashed some bugs and made a few performance tweaks to ensure you get the most out of your NinjaCard® Line of Credit. ## Apps similar to NinjaCard® | App | Rating | Price | Category | | --- | --- | --- | --- | | [Current - Mobile Banking](https://appshunter.io/ios/app/current-mobile-banking/id1077366211) | 4.8 (195,858) | Free | Finance | | [Petal Card](https://appshunter.io/ios/app/petal-card/id1400353064) | 4.7 (10,649) | Free | Finance | | [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (134,258) | Free | Finance | | [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (881,655) | Free | Finance | | [Branch: A Better Payday](https://appshunter.io/ios/app/branch-a-better-payday/id1047978697) | 4.8 (67,364) | Free | Finance | | [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,558,421) | Free | Finance | ## More apps by KMD Partners, LLC - [NinjaCard Mobile](https://appshunter.io/ios/app/ninjacard-mobile/id1637968005) - [CreditNinja](https://appshunter.io/ios/app/creditninja/id6756591611) All apps by KMD Partners, LLC: https://appshunter.io/developer/1551810130 ## Related topics [popular line of credit apps](https://appshunter.io/ios/topics/popular-line-of-credit-apps) · [my simple credit](https://appshunter.io/ios/topics/my-simple-credit) · [reserve credit card](https://appshunter.io/ios/topics/reserve-credit-card) · [line of credit](https://appshunter.io/ios/topics/line-of-credit) · [reserve direct card](https://appshunter.io/ios/topics/reserve-direct-card) · [free credit line](https://appshunter.io/ios/topics/free-credit-line) · [fluid credit](https://appshunter.io/ios/topics/fluid-credit) · [netspend prepaid](https://appshunter.io/ios/topics/netspend-prepaid) · [minga id](https://appshunter.io/ios/topics/minga-id) · [magnum credit strong](https://appshunter.io/ios/topics/magnum-credit-strong) · [myquickwallet](https://appshunter.io/ios/topics/myquickwallet) · [credit cards for bad credit](https://appshunter.io/ios/topics/credit-cards-for-bad-credit) --- *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 2026-08-28.*