LendUpCard Review: Everything You Need to Know About the LendUp Credit Card


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LendUp Card Summary

  • Designed for consumers with less than perfect credit who are looking to improve their credit rating
  • Apply at lendupcard.com
  • Please have the 12-character code from your mailing offer
  • Must be 18 years of age or older and a legal resident of the United States

Arrow Card Classic from LendUp

  • $59 annual fee
  • APR 29.99% Variable
  • You should receive an instant decision
  • Possible credit line increase within the first year (very likely for those who make on-time payments)
  • Up to $25 late fee
  • 3% foreign transaction fee

The LendUp Arrow credit card also reports to all 3 credit bureaus and the customer service is very good according to user reviews.


LendUpCard.com Reviews

  • CreditKarma: 4.5 out of 5 stars based on ‎106 votes
  • AskMrCredit: 3.8 out of 5 based on ‎34 reviews
  • LendEdu.com: 4.2 out of 5 (‎reviewed by Jeff Gitlen)

As you can see the LendUpCard receives pretty good reviews from some of the more respected financial blogs.

A user from CreditKarma stats “Great card! Great credit builder! Increased my credit limit within 6 months of owning the card.”

“After about 6 months they automatically increased my credit line from 1000 to 2000.” – Xarvious

Please note some states may require LendUp to request additional documents to verify your income.

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LendUpCard Address

  • Mailing Address: LendUp 237 Kearny St #197 San Francisco, CA 94108
  • Payment Address: LendUp Card Services PO Box 4517 Carol Stream, IL 60197-4517
  • LendUp Phone Number: 1-855-253-6387
  • Please visit to access live chat or send an email

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LendUpCard.com Final Verdict?

If you have less than ideal credit and are trying to improve your credit score via on-time payments using a credit card the LendUp credit card is a solid option.

Consumers who have a good to great credit score will want to look elsewhere.

Check out our Best Cash Back Credit Cards write up.

Also, learn why cash back credit cards suck?

LendUp Credit Card References

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Elizabeth Weintraub
Elizabeth Weintraub is a former writer for The Balance. She has an extensive background in real estate spanning more than 40 years, including experience in related industries such as title and escrow. Weintruab began in the real estate business in 1974 as a title searcher at First American Title in Boulder, Colorado. After moving to Newport Beach, California, she became an escrow officer in 1976 and advanced to certified status as designated by the California Escrow Association.