# Tilt Motion

Credit access with no annual fee

Pre-qualify in minutes with no impact to your credit score — no security deposit or credit history required.

1%–10%  
Cash back at select merchants

* * *

$0  
Annual membership fee

* * *

29.24%–34.24%  
Variable Purchase APR

## Watch your progress in the Tilt app

### Get early opportunities for a limit increase

Credit limit increase consideration starts as early as 4 months.

### Track your score

Stay up to date on your credit score with insights about what changed.

### Cash back made simple

Earn 1%–10% cash back automatically at select national and local merchants, no enrollment required.¹

### Simplify payments with Autopay

Choose how much and when to pay, and AutoPay handles the rest.

## Credit history made simple

Your everyday spend goes further with seamless payment and credit-building benefits.

### Spend from your phone

Add your Tilt Card to your mobile wallet for easy, on-the-go payments.

### Designed to build credit

We report to the major bureaus so you can grow your credit score with responsible credit use.

### Tap and go

Equipped with contactless payment technology for fast & secure checkouts wherever you shop.

## Build credit securely

### Freeze your card

With a tap in the Tilt app, you can freeze your card to protect your account.

### Protection from fraud

Tilt's fraud detection technology can quickly spot suspicious card activity and take action.

### Keep your data safe

Your data is crucial — that's why Tilt secures your information with bank-level encryption.

### Tilt Motion Card Details & Benefits

#### Fees  
$0  
Annual membership fee  
$0  
Security deposit  
$0  
Foreign transaction fee  
Up to $40  
Late fee  
Higher of $5 or 5%  
Cash-like transaction fee

#### Rewards¹  
1%–10% cash back  
At select merchants

#### Purchase APR  
29.24%–34.24%  
Variable Purchase APR

#### Credit limit  
Early path to limit increases  
Qualify as early as 4 months  
Automatic increase  
After 6 qualifying on-time payments  
Terms apply.

#### More benefits  
Zero liability fraud protection  
Safety from unauthorized purchases  
Credit reporting  
Build credit history over time  
Mobile wallet-ready  
Apple Pay, Google Pay, Samsung Pay

## Start today

## Pre-qualify with no impact to your credit

Boost your approval odds with bank linking to show off your real-time money habits.

### Tilt Essentials Card  
Enjoy 1% cash back on all purchases  
$0  
Annual membership fee  
Variable Purchase APR  
29.99%  
Automatic limit increase  
After 6 qualifying on-time payments  
1%–10% cash back  
At select merchants  
3% cash back with AutoPay  
On gas & groceries

[Cash back terms](/content/tilt-essentials-perks-program-rules/index.html) [Limit increase terms](/content/leap-program/index.html) [Full terms](/content/tilt-essentials-cardholder-agreement/index.html)

### Tilt Motion Card  
$0  
Annual membership fee  
Variable Purchase APR  
29.24%–34.24%  
Automatic limit increase  
After 6 qualifying on-time payments  
1%–10% cash back  
At select merchants

[Cash back terms](/content/tilt-motion-engage-perks-program-rules/index.html) [Limit increase terms](/content/leap-program/index.html) [Full terms](/content/tilt-motion-cardholder-agreement/index.html)

### Tilt Engage Card  
$59  
Annual membership fee  
Variable Purchase APR  
29.24%–34.24%  
Automatic limit increase  
After 6 qualifying on-time payments  
1%–10% cash back  
At select merchants

[Cash back terms](/content/tilt-motion-engage-perks-program-rules/index.html) [Limit increase terms](/content/leap-program/index.html) [Full terms](/content/tilt-engage-cardholder-agreement/index.html)

Tilt Credit Cards issued by WebBank.

## Questions? Answers.

What happens if I'm not approved for a Tilt Credit Card? Does this affect my credit?

When you submit for pre-qualification, there's no hard pull on your credit and no credit impact. If you pre-qualify, you can submit a full application, which does involve a hard pull and could impact your credit.

If you're not approved right now, you can reapply after 30 days. In the meantime, a Cash Advance or a Line of Credit may be a better fit.

Which Tilt Card is right for me?

Tilt Cards are for every type of credit-builder. The Tilt Engage and Motion Cards are great for people who are new to credit or rebuilding their scores. The Tilt Essentials Card is great for everyday expenses and earning bonus cash back.

Get started [here](https://apply.tilt.com/credit-card?utm_cta=motionQuestionsSectionLinkCta) to be considered for all 3 Tilt Cards and get your best offer. [Learn more about choosing the right Tilt Card.](https://support.tilt.com/kb/guide/en/which-tilt-card-is-right-for-me-epQMnhV8QS/Steps/4921906)

Is it safe to link my bank account?

Yes! We partner with Plaid to protect your personal information with secure encryption through the bank linking process. Bank linking helps secure your best possible offer.

How does a Tilt Card help build my credit?

On-time payments are one of the most important factors in your credit score. Using your Tilt Card responsibly and making consistent, on-time payments can help you build good credit history.

Why is the Tilt Motion Visa Card the best second-chance credit card?

The Tilt Motion Visa Card stands out as the [best second-chance credit card](/content/blog/credit-cards-for-bad-credit/index.html) with spending power without a deposit, cash back rewards at select merchants, no annual fee, and clear credit limit growth opportunities over time.

Is this card right for you?

Compare the Tilt Motion Visa Card to other options for people rebuilding credit in our guide to the [best second-chance credit cards](/content/blog/credit-cards-for-bad-credit/index.html).