Bits
Credit builder card and money app for UK first-timers.
Bits is a UK credit-building service from Fea Card Limited that pairs a Mastercard credit card and a Store Card with a money app. Applications begin with a soft eligibility check that does not affect the credit score, followed by a fully automated decision in under 60 seconds. Payments are reported to credit bureaus each month, whether on time, late, or missed.
The app includes a money dashboard, AI chat for money questions, Duolingo-style credit lessons, rent reporting, auto-locking spend controls, asset valuation, free credit reports, and a marketplace for exploring eligible credit card offers. The Bits Marketplace is free for everyone and uses credit broking permissions to match users with card plans.
Bits is aimed at people building or rebuilding credit, particularly first-time cardholders. The service is available in the UK on iOS and Android. Eligibility checking is free; the Bits Subscription, Credit Card, and Store Card are offered as separate products, with savings in the Bits Store varying by plan.
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