Three steps. Everything works.
Open an account, set up rent payments, and Worth handles the rest — credit building and free wireless, automatically.
Open your account.
60-second application. Soft credit check only — it won't affect your score. You'll get a free FDIC-insured bank account and a secured Mastercard credit card. Both free forever.
Fund it with $50 or more to activate everything.
No monthly fees. No hidden charges. Your money is yours.
Set up rent payments.
Automate your rent through Worth. We pay your landlord on time, every month. Every payment is reported to all three credit bureaus — Equifax, Experian, and TransUnion — automatically. No extra steps.
Your first rent payment unlocks 3 months of free wireless.
Your wireless activates. Your credit starts building. Both begin from your first rent payment.
It works while you live your life.
Your credit
Every on-time payment — rent, utilities, credit card — reports to all three bureaus automatically. You don't submit anything. You don't check in. It runs.
What to expect
- —First 6 months: Most members see their score appear or begin moving
- —Month 12: A full year of documented payment history
- —Keep going: Every month adds to a record that opens real financial options
Your wireless
Unlimited talk, text, and data. Nationwide coverage. Keep your current number. After your earned months run out — $35/month plus taxes and fees.
Everything working at once.
Your rent pays your landlord, builds your credit, and earns your wireless — all from one account, all automatically.
This is what recognition looks like.
Want to earn more wireless?
Stack free months on top of what rent already earns you.
Your paycheck.
+2 months freeRoute your paycheck to Worth. When your first deposit posts, you earn additional free wireless months on top of what rent already earned you.
Refer someone.
+1 month per person, no limitShare your Worth link. When they join and fund their account, you both earn a free month. Some members have stacked 10+ months this way.
Frequently asked questions
Everything you need to know about how Worth works.