# Zoro Card: Credit Builder — Debit Card, FICO Score & More > Debit card for credit building, no credit check, reports to bureaus. (iPhone/iPad app by Zoro Inc.) - Source: https://appshunter.io/ios/app/zoro-card-credit-builder/id1478757081 (this page in markdown: same URL + `.md`) - Developer: [Zoro Inc](https://appshunter.io/developer/1478757080) - Category: Finance, Shopping - Price: Free - Rating: 2.71/5 from 56 App Store ratings · 26 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 40 MB - Languages: English - Released: 2022-04-15 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/zoro-card-credit-builder/id1478757081/reviews.md ## What is Zoro Card? Build credit with a debit card. No credit checks. Get approved in seconds. - Use your Zoro Card like a normal checking account and debit card - Every month, we report your account activity to the credit bureaus HOW IT WORKS Under the hood, the Zoro Debit Card spends from a Credit Builder line of credit. The line of credit is fully secured by the amount you’ve added to your Zoro account. Your account is reported to the credit bureaus as a secured credit card. You can use your card just like a debit card. In other words: add money and your balance goes up. Spend money, and your balance goes down. NO HARD CREDIT PULL Zoro does not perform a “hard pull” credit check when you open an account. Your current credit score does not affect your application. BUILD CREDIT HISTORY A good FICO score can help you qualify for a credit card, car loan, home loan and even rent. Building payment history has the biggest impact on your credit score according to FICO. Zoro Card is not affiliated with Kikoff, Dave, Cleo, Chime, Brigit, Klover, MoneyLion, Varo, Grain, Current, Providers EBT, Grid Money, Albert, Self Lender, Kikoff, Credit Strong or Credit Karma. All cards are issued by Hatch Bank, Member FDIC, pursuant to license by Visa U.S.A., Inc. All accounts are subject to ID verification. For more information, visit zorocard.com ## Key features - Build credit with a debit card - No credit checks or hard pulls - Reports activity to credit bureaus - Use like a normal checking account - Secured by funds in your account ## Recent user reviews (10 of 26) All indexed reviews: https://appshunter.io/ios/app/zoro-card-credit-builder/id1478757081/reviews.md ### 1/5 — I really had high hopes for this app *2023-06-13* OK so after what I saw from a review that someone posted I don’t think I ever want or ever show any interest unless they upgrade their protection because to be honest, I don’t want my information to get stolen because you guys were hacked and I kind of figure there was a problem with this application because I forgot my password but I honestly think I didn’t put a saying I am putting the wrong password. I try to reset it but I’m having crazy issues so who knows that’s the reason. ### 1/5 — Doesn’t work *2023-05-10* Says for IOS only using an iPhone 11 - I am able to download but it just keeps trying to load so I could join. Obviously the bug fixes didn’t work. ### 1/5 — The worst, and they were hacked! *2023-04-16* I pray that this review makes it to their page because not too hard go were about several months ago I received a letter stating that they have been hacked, and a lot of my personal information was apparently stolen and contacting them is nearly impossible, and next to nothing, which is really sad. Let alone Ike had gotten rid of this card and account a year or two ago, and this is still happening? Really unfortunate really sad and this app needs to be shut down IMMEDIATELY! ### 1/5 — App doesn’t work *2023-03-13* I would love to rate the actual app but it has not worked once since I downloaded it a week ago ### 1/5 — Poor management *2023-02-16, version 2.5* Poor management caused them to dissolve which hurt my average credit age. EDIT TO ADD: I received A response from the developer to email them. So I did, their response via email is they are aware that prematurely closing accounts will affect their consumers credit age and they don’t care. ### 1/5 — Not good *2023-01-26, version 2.5* It’s been 1 year since I am in the join list and I haven’t got anything or a notification. ### 3/5 — Room for improvement *2022-12-19, version 2.5* It’s weird that while doing the “forgot password” option, it asks you for a code to your phone number. I get how that works in theory, but I’ve changed my my phone number. There’s no support email and no contact information on their website. If you’re going to require both methods of contact regardless then maybe make customer service easily accessible if something goes wrong? ### 5/5 — 30 point increase *2022-11-18, version 2.5* Over the course of 30 days, my score significantly increased. It made a huge difference, but I have no idea how they managed it! ### 4/5 — the most secure way to build credit *2022-11-03, version 2.5* This company, in my opinion, is actually assisting people in rebuilding their credit without having to take out "personal loans" and incur additional debt. ### 1/5 — Waste of time *2022-10-28, version 2.5* App doesn’t even work **Developer response:** Hello, We’re sorry to hear about your experience and we would like to investigate further. Please reach out to help@zorocard.com so we may gather more information and resolve this issue ASAP. ## Frequently asked questions about Zoro Card ### How does Zoro Card help build credit? Zoro Card reports your account activity to the credit bureaus each month. This activity is reported as a secured credit card, helping to build your payment history which is a significant factor in your FICO score. ### Do I need a good credit score to get a Zoro Card? No, Zoro Card does not perform a hard credit check when you open an account. Your current credit score does not affect your application, making it accessible for those looking to start building credit. ### How is the Zoro Card different from a regular debit card? While you use the Zoro Card like a normal debit card for spending, its underlying mechanism is designed for credit building. Your spending is covered by a secured line of credit, and your account activity is reported to credit bureaus to help establish credit history. ### What are the benefits of building credit? A good FICO score can help you qualify for important financial products like credit cards, car loans, and home loans. It can also impact your ability to rent an apartment. Building payment history is a key component of a strong credit score. ### Is there a cost to use Zoro Card? The provided description indicates the app is free to use and does not mention any subscription fees or in-app purchases for core functionality. All cards are issued by Hatch Bank, Member FDIC. ## Version history (last 1 release) ### 2.5 — 2022-10-28 Bug Fixes and Performance Improvements ## Apps similar to Zoro Card | App | Rating | Price | Category | | --- | --- | --- | --- | | [TY Kar Zarar Hesaplama](https://appshunter.io/ios/app/ty-kar-zarar-hesaplama/id6443893260) | — | Free | Finance | | [UmoPay](https://appshunter.io/ios/app/umopay/id1563005080) | 1.0 (1) | Free | Finance | | [Nautilus - NANO Wallet](https://appshunter.io/ios/app/nautilus-nano-wallet/id1615775960) | 4.7 (36) | Free | Finance | | [Sable](https://appshunter.io/ios/app/sable/id1474654292) | 4.7 (8,135) | Free | Finance | | [Tomo Card](https://appshunter.io/ios/app/tomo-card/id1511011956) | 2.4 (92) | Free | Finance | | [7StarPay](https://appshunter.io/ios/app/7starpay/id1571496540) | 4.8 (9) | Free | Finance | --- *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 2026-06-10.*