Worth logo
BankingCreditWirelessCoverageHow it WorksCalculatorSupport
Join WorthJoin Worth
Worth logo

Your character is your capital

Built with love.Served with purpose.

From Lagos & Brooklyn.

Product

  • Banking
  • Credit Building
  • Wireless
  • Coverage
  • How It Works
  • Calculator

Company

  • About Us
  • Blog
  • Support

Legal

  • Privacy Policy
  • Terms of Service

Request an AI summary of Worth

Banking Services & FDIC Insurance: Worth® is a financial technology company, not a bank. Banking services and FDIC-insured deposit accounts are provided by Cross River Bank, N.A., Member FDIC. Deposits held in Worth accounts at Cross River Bank are FDIC-insured up to the standard insurance limit of $250,000 per depositor. For additional information about FDIC deposit insurance coverage, visit www.fdic.gov or contact the FDIC at 1-877-275-3342.

Card Fees & Terms: The Worth Card has no annual fees, but some fees may apply, including out of network ATM fees, late payment fees, and other fees. For more information please see your Cardholder Agreement and Deposit Account Agreement. Line of credit is not a deposit product. Cards may be used everywhere Mastercard is accepted.

Credit Reporting & Score Impact: On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Worth will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations. Worth does not determine your credit score.

Financial Product Outcomes: Device financing and other financial products are offered based on your account history and payment behavior with Worth. Qualification and terms depend on your demonstrated financial responsibility with us. Financial product availability and terms are subject to change. Worth may modify qualification criteria, terms, or availability of products based on account performance and regulatory requirements.

Fair Lending & Non-Discrimination: Worth assesses financial reliability based on your actual banking behavior, payment patterns, and account management. Worth does not use the following factors in financial assessment or product qualification: race, color, religion, national origin, sex, marital status, age, protected veteran status, disability status, or receipt of public assistance. Worth regularly tests its assessment methods to ensure fair treatment across all customer groups. You have the right to request information about Worth's financial assessment practices and to dispute determinations you believe are inaccurate.

© 2026 Worth. All rights reserved.

Back to Support

I'm building credit. What doors are opening?

You've been consistent for 6+ months. Your credit is growing. Doors are opening.

You've been consistent for 6+ months. Your credit is growing. Doors are opening that were closed before.

Understanding your credit report

What's in your credit report?

Payment history35%

Rent, utilities, bills—all reported

Credit accounts30%

Banking and credit card activity

Credit utilization15%

How much available credit you're using

Account age10%

How long you've had accounts

Credit inquiries10%

When you apply for new credit

What's NOT in your report

  • •Your income
  • •Your employment
  • •Your savings balance
  • •Your Worth deposits
  • •Your wireless payments (unless you choose to add them)

Get your free credit report

Get your free annual report from AnnualCreditReport.com (the official source)

Understanding your credit report

Financial opportunities opening

With 6-12 months of Worth history, you now qualify for things that were previously locked.

Larger credit limits

If you have Worth's credit card, you can request a credit line increase. We'll evaluate based on your 6-month track record.

Traditional lender products

Some traditional banks and credit unions will now work with you. You have credit history now.

  • ▸Auto loans (for car purchases)
  • ▸Personal loans (for major expenses)
  • ▸Apartment leasing (landlords check credit)
  • ▸Job applications (some employers check credit)

Better wireless rates

As your credit improves, you might qualify for better rates from carriers. Worth wireless stays $35/month, but you have more options.

Helping family

You're now credit-visible. You can co-sign for family members or help them understand how to build credit.

Family coordination

Worth's family accounts let grandparents, parents, and young adults make financial decisions together.

  • Share account visibility with trusted family
  • Coordinate payments (split rent, utilities)
  • Build together (parents' reliability helps young adults get credit)
  • Multi-language support
Family account setup

Referral rewards

You know people like you—reliable, overlooked by traditional finance. Help them and earn.

You earn

Free wireless month + cash bonus

They earn

Bonus for signing up

No limit

Refer as many as you want

Referral program details

Planning bigger financial moves

With 6-12 months of credit building, you're eligible for things that matter.

If you want to buy a car

You can now qualify for auto loans. Worth credit + your work history = real approval

If you want to rent an apartment

Many landlords will approve based on your 12-month Worth history

If you want to start a business

Your business credit can start here. Worth recognizes business owners.

If you want to help family buy a home

You can co-sign or help with down payment reserves

Major financial goals roadmap

Common questions at this stage

My credit score plateau'd. What do I do?

This is normal. Growth slows after the initial push. Keep doing what's working—consistent payments, low utilization. It'll keep growing.

Can I get a mortgage yet?

Not quite. Most mortgages require 2 years of credit history. You're getting close. Keep the momentum.

Should I close my old accounts?

No. Account age helps your score. Keep everything open and active.

What if I want to leave Worth?

You can. Your credit stays with you. Wherever you bank next, your history transfers. Worth just helped you build it.

You've built something real

Your reliability is now recognized by traditional finance. Keep building and explore what's possible.

Questions about next steps?