Bits

Bits offers credit products designed to help users build credit, including a digital and a physical credit card. The service emphasizes no interest, no late fees, and no hard credit check, with a stated focus on credit education and building credit history.

Bits provides two main products: a Bits Credit Card (physical) and a Bits Store Card (digital and store-specific). The cards are issued under exemptions and reported to major credit bureaus. The Bits Store Card is digital, used for Bits store purchases with a 70/30 payment split (70% upfront using the credit line, 30% charged to the credit line) and typically higher limits. The Bits Credit Card is a physical Mastercard-acceptance card with weekly full balance repayment options. Both products emphasize reporting activity to top credit bureaus and aim to help users learn to manage credit, with clear distinctions between regulated and non-regulated aspects disclosed on the site.

Who it’s for: Individuals seeking to build or improve credit history, including first-time credit users, who are UK-based or compliant with UK regulations and are comfortable with non-traditional credit products and store-specific financing.

growth indicators (700,000+ users, Trustpilot rating, app marketplace presence, regulatory disclosures) and ongoing product diversification (store card, digital card, store)