The safe and easy way to build credit for kids.

A secured credit card that helps you build a strong credit history for your kid's future.

How Groove Axis works

No credit inquiry required for approval. Just verify your identity, make a deposit and begin building your credit right away.

1. Open an account

1. Open an account

A parent/guardian applies for an account (must be 18 or older). We verify your identity but no credit inquiry is required.

2. Set your credit limit

2. Set your credit limit

Your credit limit is defined by a refundable deposit as low as $100 and up to $3,000. You decide the right amount for you.

3. Add authorized users

3. Add authorized users

Account owner assigns authorized users. Must provide personal details and contact information for each authorized user.

4. Use your card for purchases

4. Use your card for purchases

Authorized users use the credit card to make purchases like food, movies or gifts within the preset credit limit.

5. Make your monthly payment

5. Make your monthly payment

Make at least your minimum payment on time each month. Set up automated email alerts and never miss a payment.

6. We report to credit bureaus

6. We report to credit bureaus

We report to Equifax®, Experian® and TransUnion® get reports every month to help you quickly improve your credit score.

All the benefits of a traditional credit card

The Groove Axis secured card helps you establish a strong credit history and is accepted anywhere you can use a Visa/Mastercard.

  • It's a real credit card not a debit card
  • One of the lowest annual fees available
  • Email alerts for payments and transactions
  • Central dashboard to help manage your account
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