L Card Launch by LendUp

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  • Build your credit history - payments are reported to the major credit bureaus
  • No security deposit required
  • Transparent terms and conditions - all up front, before you even apply
  • No interest on purchases if your balance is paid in full each month
  • No over-the-limit fees
  • All the coverage of Visa - accepted globally with zero liability fraud coverage
  • Free credit education to help you use credit responsibly
  • The L Card is issued by Beneficial State Bank, pursuant to a license from Visa U.S.A. Inc. This card is subject to the Cardholder Agreement.
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
24.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 29.99%
Cash Advance Fee 3%, Min: $10
Late Fee Up to $7
Penalty APR 29.99%
Balance Transfer Fee N/A
Foreign Transaction Fee 3%
Return Payment Fee Up to $35

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
Approved !
by Anonymous
Helpful to 2 out of 2

It seems like people who are denied leave bad feedback?? I was approved quick and painless

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
mari5895
Caution! Beware of applying!
by mari5895
Helpful to 32 out of 37

They will deny you if you have a score lower than 600 and to top it off they WILL leave a HARD inquiry on your report bringing your score lower! My income is great & payment history but they apparently care more for credit scores and near perfect history! Please think about it good before damaging your credit some more by wasting your time with these people! Also customer service doesn't seem located in the US as you could barely understand what they are saying. Bad advertising and business! How the heck you guys expect to get customers or us build credit if you DO NOT allow the opportunity! Insane wow 


Our Take

If you’re looking to build your credit history, the L Card Launch by LendUp could be a great way to get going.

What to Like

LendUp preaches transparency and straightforwardness. LendUp is also willing to double the credit limit of cardholders who exhibit responsible behavior.

Look Out For

There’s a $7 late fee that can apply if you’re late on a payment. There’s also a 3% fee for any foreign transaction, and credit lines start relatively small at $300.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2016 through August 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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