Credit-building Mastercard and store card app for first-time UK borrowers.
Bits is a UK fintech that offers two linked credit products — a real Mastercard for everyday spending and a Bits Store Card with up to 5% savings — both reported monthly to credit bureaus to help users build their credit history. The app includes Duolingo-style credit lessons, an AI money dashboard, government benefits eligibility checks, rent reporting, and gamified repayment tools. Eligibility checks are soft searches. Suitable for first-time UK borrowers looking to establish credit. Bits is a product of Bits.
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