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MASTERCARD
Mastercard World
Pesto Mastercard
Foreign Transaction Fee
$0
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Poor to Excellent
Benefits & Perks
Insurance & Protections
Combined Protection Value
$1,250
Build credit with Experian, Equifax, and TransUnion—your payment history is reported every month to all major bureaus
$0 fraud liability—complete protection
Zero liability for fraudulent charges—you're completely protected against unauthorized use
Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros
- +1.5% cash back on all purchases (rare for credit builder cards)
- +No annual fee
- +No foreign transaction fees
- +No late fees
- +Unsecured card with no security deposit required
- +Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
- +Automatic credit limit increase reviews based on payment history
- +Linked savings account feature helps ensure on-time payments
- +Accepts wide range of credit scores including poor credit
Cons
- -Lower 1.5% cash back rate compared to standard 2% cards
- -
Details & Terms
| Purchase APR | 21.99%–29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
MASTERCARD
Mastercard World
Pesto Mastercard
Foreign Transaction Fee
$0
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Poor to Excellent
Benefits & Perks
Insurance & Protections
Combined Protection Value
$1,250
Build credit with Experian, Equifax, and TransUnion—your payment history is reported every month to all major bureaus
$0 fraud liability—complete protection
Zero liability for fraudulent charges—you're completely protected against unauthorized use
Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros
- +1.5% cash back on all purchases (rare for credit builder cards)
- +No annual fee
- +No foreign transaction fees
- +No late fees
- +Unsecured card with no security deposit required
- +Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
- +Automatic credit limit increase reviews based on payment history
- +Linked savings account feature helps ensure on-time payments
- +Accepts wide range of credit scores including poor credit
Cons
- -Lower 1.5% cash back rate compared to standard 2% cards
- -
Details & Terms
| Purchase APR | 21.99%–29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
MASTERCARD
Mastercard World
Pesto Mastercard
Foreign Transaction Fee
$0
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Poor to Excellent
Benefits & Perks
Insurance & Protections
Combined Protection Value
$1,250
Build credit with Experian, Equifax, and TransUnion—your payment history is reported every month to all major bureaus
$0 fraud liability—complete protection
Zero liability for fraudulent charges—you're completely protected against unauthorized use
Program & Transfers
Currency: Cash back dollars
Point Value: 1 cpp
Range: 1–1 cpp
Reviews & Analysis
Pros
- +1.5% cash back on all purchases (rare for credit builder cards)
- +No annual fee
- +No foreign transaction fees
- +No late fees
- +Unsecured card with no security deposit required
- +Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
- +Automatic credit limit increase reviews based on payment history
- +Linked savings account feature helps ensure on-time payments
- +Accepts wide range of credit scores including poor credit
Cons
- -Lower 1.5% cash back rate compared to standard 2% cards
- -
Details & Terms
| Purchase APR | 21.99%–29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Link savings as payment backup
Ensure on-time payments by linking your savings account—Pesto can pull payment from backup if needed
Show all 9 protections
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Auto credit limit reviews
Get automatic credit limit reviews—no hard pull, just reward your on-time payments with higher limits
+12 months extended warranty (up to $10K)
Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
$1,000/claim purchase protection (90 days)
$1,000
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Price match within 120 days ($250 max)
$250
Get refunded the price difference if you find a lower advertised price within 120 days, up to $250 per claim.
Cash advances not available
-Fintech issuer (WebBank) with less established customer service-Higher APR range (21.99%-29.99%) than some competitors-No welcome bonus-Limited perks beyond cash back-Newer product with less established track recordBest For
- ✓Those building or rebuilding credit who want to earn rewards
- ✓People seeking an unsecured card without a security deposit
- ✓International travelers building credit (no foreign transaction fees)
- ✓Users who want automatic credit limit increases based on payment history
- ✓Those who benefit from linked savings as payment backup
- ✓Credit builders who want no late fees while establishing payment habits
Not Ideal For
- ✗Those with established good credit who qualify for 2% cards
- ✗People who need cash advances (not available)
- ✗Users seeking premium travel benefits or perks
- ✗Those wanting bonus categories above 1.5%
- ✗Cardholders seeking established bank customer service
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Link savings as payment backup
Ensure on-time payments by linking your savings account—Pesto can pull payment from backup if needed
Show all 9 protections
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Auto credit limit reviews
Get automatic credit limit reviews—no hard pull, just reward your on-time payments with higher limits
+12 months extended warranty (up to $10K)
Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
$1,000/claim purchase protection (90 days)
$1,000
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Price match within 120 days ($250 max)
$250
Get refunded the price difference if you find a lower advertised price within 120 days, up to $250 per claim.
Cash advances not available
-Fintech issuer (WebBank) with less established customer service-Higher APR range (21.99%-29.99%) than some competitors-No welcome bonus-Limited perks beyond cash back-Newer product with less established track recordBest For
- ✓Those building or rebuilding credit who want to earn rewards
- ✓People seeking an unsecured card without a security deposit
- ✓International travelers building credit (no foreign transaction fees)
- ✓Users who want automatic credit limit increases based on payment history
- ✓Those who benefit from linked savings as payment backup
- ✓Credit builders who want no late fees while establishing payment habits
Not Ideal For
- ✗Those with established good credit who qualify for 2% cards
- ✗People who need cash advances (not available)
- ✗Users seeking premium travel benefits or perks
- ✗Those wanting bonus categories above 1.5%
- ✗Cardholders seeking established bank customer service
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Link savings as payment backup
Ensure on-time payments by linking your savings account—Pesto can pull payment from backup if needed
Show all 9 protections
Credit file monitoring and fraud alerts
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Auto credit limit reviews
Get automatic credit limit reviews—no hard pull, just reward your on-time payments with higher limits
+12 months extended warranty (up to $10K)
Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
$1,000/claim purchase protection (90 days)
$1,000
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Price match within 120 days ($250 max)
$250
Get refunded the price difference if you find a lower advertised price within 120 days, up to $250 per claim.
Cash advances not available
-Fintech issuer (WebBank) with less established customer service-Higher APR range (21.99%-29.99%) than some competitors-No welcome bonus-Limited perks beyond cash back-Newer product with less established track recordBest For
- ✓Those building or rebuilding credit who want to earn rewards
- ✓People seeking an unsecured card without a security deposit
- ✓International travelers building credit (no foreign transaction fees)
- ✓Users who want automatic credit limit increases based on payment history
- ✓Those who benefit from linked savings as payment backup
- ✓Credit builders who want no late fees while establishing payment habits
Not Ideal For
- ✗Those with established good credit who qualify for 2% cards
- ✗People who need cash advances (not available)
- ✗Users seeking premium travel benefits or perks
- ✗Those wanting bonus categories above 1.5%
- ✗Cardholders seeking established bank customer service
