Credit begins with Pillar Build.

A credit card designed to start your credit journey.

Add money to set your credit limit
0% interest on purchases
No overseas & ATM fees
£4.99 monthly subscription

Add money to set your credit limit
0% interest on purchases
No overseas & ATM fees
£4.99 simple monthly subscription

Apply Now

Representative Example

Representative APR

14.4% (fixed)

Based on an £800 limit

Purchase Rate

0.0% (fixed)

£4.99 monthly fee

Your credit score may go down as well as up and will be impacted by factors such as making repayments on your Pillar card and other credit providers. Failing to make your contractual payments may lead to a decrease in your credit score. Credit is subject to application and status. T&Cs apply.

Score may go down as well as up.

How it works

Pillar Build is a secured credit card designed as a credit builder tool for people with little-to-no credit history in the UK. It helps you get into the habit of repaying on time, in full, every month, and helps improve your credit score.

Set your own credit limit.

Simply add money to your card to start using it, much like a debit card.

Earn a 5% reward bonus on your initial Vault deposit*

Apply now

Spend on your card.

Behind the scenes, your money is securely held aside and you are spending on credit with Pillar.

Apply now

Improve credit score.

At the end of the month, all payments to Pillar are reported to the three credit reference agencies, building your score!

Apply now

Set your own credit limit

Whenever you pay your renting, we log it on the three main credit reference agencies

Earn a 5% reward bonus on your initial Vault deposit*

Set your own credit limit

Whenever you pay your renting, we log it on the three main credit reference agencies

Earn a 5% reward bonus on your initial Vault deposit*

Set your own credit limit

Whenever you pay your renting, we log it on the three main credit reference agencies

Earn a 5% reward bonus on your initial Vault deposit*

Try it out

Set your own credit limit

Simply add money to your card to start using it, much like a debit card. Now here's the tweak...

Pillar Monitor is free.

Join the waitlist

Spend on your card.

Behind the scenes, your money is securely held aside and you are spending on credit with Pillar.

Join the waitlist

Improve credit score.

At the end of the month, your money is then used to repay Pillar for the purchases bought on credit: on time, in full, every month, helping improve your credit score.

Join the waitlist

Frequent questions

What's a credit builder card?

A credit builder card is a credit card specifically designed as a tool for building your credit score. Since there is no fixed term when compared to a loan, this type of credit is the perfect tool for people with little-to-no credit history to get started at their own pace. A credit builder card usually puts emphasis on tips to use a credit card responsibly and on making on-time payments, with the prospect of opening up more financial opportunities for you in the future.

Can I apply for a Pillar Build card?

There are basic pre-conditions before applying to the Pillar Build credit card. You must be at least 18 of age, be a UK resident and be employed, either part-time, full-time or in self-employment. Pillar will then assess you based on your personal circumstances.

Why do I need to add money before spending on this credit card?

Add money to unlock the maximum amount of what you can spend on credit, this money is safely set aside while you spend on credit with a 0% interest rate. A Direct Debit is then used to repay what you spend each month. If for whatever reason you find yourself unable to repay your purchases to Pillar, your deposit comes to the rescue and makes your repayment for you: helping you repay on time, every time, and helping improve your credit score.

Can I add and withdraw money anytime?

You can add funds to your card anytime you want. You can also withdraw the money left as “available” anytime you see fit.

Where is Pillar Build accepted?

You can use your Pillar card anywhere you would normally use your debit or credit card. Pillar’s card is issued by VISA, like the majority of cards in the UK.

You can even use your card abroad too, and (unlike many credit or debit cards) we won’t charge you any additional fees for doing so ...

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Go to Help Centre