Affirm credit cards
BNPL provider whose Affirm Card pays in full like a debit card or splits purchases into pay-over-time plans. A BNPL-card hybrid rather than a traditional credit card.
About Affirm
Affirm is a buy now, pay later company best known for splitting purchases into payment plans, and its Affirm Card extends that option to everyday shopping. The Affirm Card is a Visa debit card issued by Evolve Bank & Trust or Stride Bank, N.A.: you can pay in full like a debit card, or request a pay-over-time plan for an eligible purchase in the Affirm app, with rates from 0% to 36% APR based on credit and 0% APR on Pay in 4.
It suits you if you want the option to spread a specific purchase into fixed payments without opening a traditional revolving credit card, and you like approving each plan in an app. The limitation: it is a debit card with optional loans rather than a credit card, so it does not give you a revolving credit line, and getting the card does not guarantee you can pay over time on any given purchase.
Notable Affirm cards
- Affirm Card
Approval rules and tips
Affirm does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
- Checking your eligibility or purchasing power is a soft inquiry that Affirm says does not affect your credit.
- You must request and be approved for the Affirm Card.
- Each pay-over-time plan is a separate request in the app, with rates from 0% to 36% APR based on credit.
- Pay in 4 plans are 0% APR.
How to apply for a Affirm card
Request the Affirm Card in the Affirm app after creating an Affirm account. Affirm says creating an account and checking your eligibility are soft inquiries that do not affect your credit. Expect to verify your identity with your name, mobile number, date of birth and Social Security number, and to link a bank account for pay-in-full purchases. Each pay-over-time plan is requested separately in the app.
Customer service: helpcenter.affirm.com
Affirm FAQs
What credit cards does Affirm offer?
Affirm's notable cards include Affirm Card. See the cards we review below for fees, rewards and APRs.
Does Affirm have special approval rules?
Affirm does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a Affirm credit card?
Apply on www.affirm.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
Is the Affirm Card a credit card?
No. Affirm describes it as a Visa debit card issued by Evolve Bank & Trust or Stride Bank. By default it pays in full, and you can ask to split eligible purchases into pay-over-time plans in the Affirm app. Those plans are separate loans, each with its own approval and terms.
Does checking eligibility with Affirm hurt my credit?
Affirm says creating an account or checking your eligibility, including your purchasing power, is a soft inquiry that does not affect your credit score. Taking out a pay-over-time plan is a separate step, so read the loan terms and Affirm's credit reporting policy before you accept a plan.