How to apply for the Go2Bank credit card?

If you are looking to apply for a good bank to manage your deposits, take a look on how to apply for a Go2Bank card here!

What do I need to know about the Go2Bank credit card?

GO2bank, a major fintech, aims to be the go-to place for straightforward, inexpensive, and practical banking. It combines the creativity and agility of a bank with the security, stability, and experience of an FDIC-insured institution.
Too many Americans struggle with money access, overpay for financial products, and go without solutions that are suited to their needs.



No monthly fees* Maximum $200 in overdraft protection

Tap on the green button to apply for your Go2Bank

Apply now!

* You will be directed to an external website

GO2bank is the name of Green Dot Bank’s online banking service. GO2bank is a division of Green Dot Bank. The main office of Green Dot Bank is located in Pasadena, California, and it was founded in 1999. Helping the underbanked is GO2bank’s main objective. GO2bank, which started in January 2021, should not be confused with GOBank, a distinct Green Dot Bank brand.

For the primary account at GO2bank, a minimum of one direct deposit must be made each month to avoid the $5 monthly fee. Even if it is inexpensive compared to traditional banks, comparable mobile checking accounts don’t charge it. Starting an online account doesn’t require a minimum balance.

There is a $20 minimum deposit and an additional purchase fee of up to $2.95 if you obtain the debit card at a physical location.

If you are interested in an amazing neobank from a company that already has experience in the field, keep reading our article

Who can apply for the Go2Bank credit card?

30 days prior to applying for a card, applicants must have a GO2bank deposit account with direct deposits totaling at least $100. Anyone who is at least 18 years old in the United States and a permanent resident can apply online for a GO2bank deposit account.

While the GO2bank Secured Credit Card is more readily available than traditional credit cards, certain customers may have trouble meeting its banking requirements.

This secured credit card, like the majority of secured credit cards, calls for a refundable security deposit that will be equal to your credit limit.

When you are granted the card, you must make a minimum deposit of $100 into your GO2bank deposit account. That’s less than what many secured cards generally require ($200 is a more typical threshold), which is higher.

Putting tiny regular expenditures on your card and paying your account in full each month will improve your credit within a few months, albeit you won’t have much leeway in terms of the amount of credit that is accessible to you.

How to apply for a Go2Bank credit card?

You can apply for the GO2bank Secured Credit Card online at or through the GO2bank app with approved direct deposits. If you are qualified, you will see the “Apply now” option in the secured credit card section of your account dashboard after logging in.

Fill out the application, which includes questions about your monthly expenses and income, then submit it to apply.

Decisions about approval are often made instantly unless an OFAC review is necessary, which may cause a delay in the approval procedure. Applications may occasionally be rejected.

Is it worth it to have a Go2Bank account?

GO2bank is a fantastic and cost-free choice if you don’t have a regular checking account and want access to banking facilities like check cashing or direct deposits. Additionally, if you’re prepared to set up direct deposit into your GO2bank account in order to save the monthly cost, it can be a terrific method to build credit.

Go2Bank vs First Progress Elite

The two are good options, however, each of them has its own merits.

The First Progress Elite is excellent if you want to generate or recreate your credit score.

While the Go2Bank may help recreate your credit score, however its main feature resorts to early deposits and the fact that it is a neobank, a digital bank aiming for the future.

Go2Bank benefits

  • Across all savings vaults, the APY is 2.50%.
  • The ability to divide savings goals into up to five separate vaults.
  • Large retail and ATM networks for cash deposits and withdrawals, respectively.
  • On in-app purchases using eGift cards, get up to 7% immediate cash back.

First Progress Elite benefits

  • The card provides an easy application process, quick approval, and the chance of approval even without a credit history.
  • Since a credit check is not required, your credit history is effectively meaningless. This is a unique advantage for anyone trying to establish or rebuild credit.
  • For simple and accurate tracking of your credit-building activities, First Progress reports to all three credit bureaus.
  • Compared to other secured cards, its continuous APR is slightly lower (22.99 percent variable).

How to apply for the First Elite Progress

If you got interested in knowing more about the First Progress Elite card, here is our article about how to apply for one

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