Pay rent.
Build credit.
Earn wireless.
Here's exactly how it works.
Open an account.
A quick 60-second application with just a soft credit check (won't hurt your score). You'll get a checking account plus a secured Mastercard credit card—both free forever and FDIC insured up to $250,000.
Fund it with $50 or more to activate everything. No monthly fees. No hidden charges. Your money is protected and accessible whenever you need it.
You're in. That simple.
Set up rent payments.
Automate your rent through Worth. We pay your landlord on time, every month. Behind the scenes, we report these payments to all three major credit bureaus—Equifax, Experian, and TransUnion—building proof of your reliability.
Plus, you earn 2 months of free wireless for setting up rent payments. Combined with your 1-month sign-up bonus, that's 3 months of free unlimited wireless.
Your wireless activates immediately. Your credit starts building from day one.
Watch it work.
How credit building works:
Behind the scenes, Worth tracks your banking behavior and reports your rent, utility, and credit card payments to all three major credit bureaus. Every on-time payment builds proof of your reliability.
What to expect:
- First 6 months: Most members see their credit score appear or begin to improve
- After 1 year: You have established credit history that opens doors to better rates
- Keep going: Each month of on-time payments strengthens your credit profile
About your wireless:
Unlimited talk, text, and data. Earn it free through your financial actions, then just $35/month when your earned months run out. Same nationwide coverage. Keep your number.
Want to earn even more?
Stack these options with rent payments to accelerate your wireless earnings:
Your paycheck.
Route your paycheck to Worth. When your first deposit arrives, you instantly earn 2 months of free wireless. Keep using direct deposit, and you're building a strong financial foundation.
Your community.
Share Worth with people you trust. When they sign up and fund their account, you both earn 1 month of free wireless. No limit on how many people you can refer. Some members earn 10+ months this way.
Banking.
Credit building.
Wireless.
All in one place. All working together. Your banking activity earns rewards. Your payments build credit. Your financial actions unlock wireless. Everything you do has value.
This is what recognition looks like.
A financial system that sees you for who you are, not just what your credit score says.
Every path builds credit. Every action earns wireless. You choose what works for your life.
Frequently asked questions
Everything you need to know about how Worth works.
Ready to be recognized?
Apply in 60 seconds. No hard credit check. No judgment. Just opportunity.
You'll find out if you're approved right away. Have a valid ID ready. That's all you need to start building.