Women power the economy. Now let's get credit for it.

The Sequin Rewards Card is designed by credit experts. Access unlimited cash rewards and exclusive perks!

Available instantly upon approval with no impact to your credit score.
*All genders welcome
Woman holding Sequin card

Sequin is proud to be featured in:

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How Sequin Works


Sequin connects to your existing bank account to sign you up for a Sequin Rewards Card.


You can use your Sequin Rewards Card anywhere major cards are accepted and earn 1% unlimited cash back rewards on every dollar!


Add on a credit line* (free!) to report your payments all 3 credit bureaus - designed to build your credit effectively.

Have more questions? Check our FAQ

* Subject to credit approval

Sequin Membership Rewards

Earn 1% unlimited cash back on every dollar you spend + $25 towards retail, pharmacies, self-care services, and discounts on brands you love.



cash back

1% unlimited cash back on every dollar spent, automatically applied to your next payment 1



$25 cash credit/yr on Pink Tax categories like retail, pharmacies, & self-care 2



Sequin Card Membership Fee that you can earn back in cash rewards



Access to expert–led credit events and workshops 3



Discounts on women-focused brands and exclusive networking 4



Average yearly value from the Sequin Rewards Card Membership**

The High Cost of Low Credit

How much could you save by improving your credit score? A higher credit score can get you a better interest rate on a loan, which means you will pay less interest on your loan overall. Explore the loan types below to see how improving your credit score could save you up to $56,400. Read more from our source here.

Potential total interest paid overall on a home loan:

With fair credit: $261,076

With very good credit: $219,660

Difference: $41,416

Potential total interest paid overall on an auto loan:

Fair credit: $7,471

Very good credit: $3,625

Difference: $3,847

Potential total interest paid on a credit card:

Fair credit: $6,097

Very good credit: $3,102

Difference: $2,995

Potential total interest paid overall on a student loan:

Fair credit: $8,640

Very good credit: $3,933

Difference: $4,707

Potential total interest paid overall on a personal loan:

Fair credit: $6,325

Very good credit: $2,889

Difference: $3,436

Learn more about credit reports

What's different for women?


Financial Knowledge

Women are more likely than men to be charged a late fee, carry a balance, and make the minimum payment, but with actionable financial information, that gap disappears.

Female symbol

The Gender Wage Gap

Credit card issuers may use income to determine credit limits. The gender wage gap may result in a lower credit limit, which may affect credit utilization and thus credit scores.

Two people

Authorized Users

Married women are more likely than married men to be the authorized user on shared credit cards, which means that they may miss out on building credit history in their own names.


Does Sequin run a credit check to approve me?

No. Sequin does not rely on credit checks or inquiries to approve you - so applying for a Sequin Rewards Card will not affect your credit in any way (a unique feature!)

What is the Sequin Rewards Card?

The Sequin Rewards Card is a debit card and credit-line designed by credit experts to build your credit effectively (applying does not impact your credit score).

If you are not eligible for the credit line, or wish to access the debit card without a credit line, you’ll still have access to all of the Sequin Rewards Card’s amazing perks like unlimited 1% cash back rewards on every dollar you spend, a $25 cash credit annually on purchases in select categories, discounts on women-led/focused companies, and expert-led community events.

You’ll also keep your existing bank to make Sequin Rewards Card payments.

How is Sequin designed to build credit for women, specifically?

Women report that they are 2x less likely to say their credit score helps them in life, and report a negative credit experience like credit card rejections, lower credit limits, and higher interest rates.

This is where Sequin comes in.

Sequin is designed to build credit for women by correcting the credit bureau’s system (the companies that control your credit report!) via a debit card and credit-building line of credit offered by Stilt Inc, our credit partner. Credit reporting, like many algorithms, reflects systemic bias and shows up in the way FICO scores are calculated.

How is this possible? Credit Utilization is the second largest factor (35%) that creates your FICO score. Simply, credit utilization = amount you’ve spent / total credit line. So, the lower the better. Historically, young women are offered lower credit limits, yet spend more, so their credit utilization is reported as higher and thus, less desirable. However, the fact is women are better to lend to and their risk is inaccurately priced.

With Sequin, you can sign up for a Sequin debit card and a line of credit, designed to build credit effectively - without hidden fees or interest. Additionally, Sequin's Credit Utilization Manager can make payments for you, automatically, if your credit utilization is too high at the time of credit reporting - a unique feature designed to keep your credit utilization low and your credit score high. This removes a factor that systematically prevents women from building a strong credit record.

I do not identify as a woman, is Sequin still for me?

Sequin welcomes anyone regardless of gender identity and does not discriminate on the basis of race, color, religion, national origin, sex, marital status, or age in accordance with the Equal Credit Opportunity Act of 1974.

As a (not so) fun fact, before the passage of this act (kudos to Ruth Bader Ginsburg), women could be denied a credit card without a male co-signer.

Which Credit Bureaus does Sequin report to?

You’ll likely see your Sequin Rewards Card activity on your credit reports within a few months. Our lending partner, Stilt, will report your payments to each of the three major credit bureaus - Experian, Equifax, and TransUnion.

Why the name "Sequin"?

Sequins were a Venetian gold currency until, over time, the reflective metals became decorative accents. The word "Sikka" still means currency in many Arabic languages today. Our team felt the name represented the powerful history of financial tools while paying homage to the women Sequin is serving.

How does Sequin connect with my existing bank account?

Sequin uses Plaid to securely connect to over 10,000+ banks. This service allows you to keep your existing bank (please check if your bank is compatible with Sequin here.

Plaid uses encryption and internationally recognized security standards to protect your information.

What are the perks of the Sequin Rewards Card without the credit builder feature?

The Sequin Rewards Card is a debit card with unique woman-focused perks like unlimited 1% cash back rewards on every dollar spent, $25/yr on retail, pharmacies, and self-care (e.g. Lululemon, CVS), and discounts on women-focused brands like Thinx.

Additionally, the Sequin Rewards Card connects to your existing bank account, forming a protective layer between your checking account and traditional debit card. This is possible because you can choose how much money to transfer onto your Sequin Rewards Card from your existing checking account.

Lastly, you’ll have access to an expert-led community, education, and events alongside other financial feminists!

I still have questions!

We love to hear from you. Reach out to us at support@sequincard.com.

Rewrite women’s credit history with us.

Join the movement with Sequin Rewards Card today.
Join Sequin Today
  1. 1% unlimited cash back earned on every dollar spent with your $300 credit line, which resets weekly on Fridays with auto-pay. The cash back is applied automatically to your next payment.
  1. Sequin gives you cash refunds up to $25 annually on retail, pharmacies/healthcare, and self-care services when you’ve been a member for 6 months.
  1. Value based on comparable women-focused financial literacy educational services and events.
  1. Discount value based on average U.S. general spend and average Sequin discount code value.

** $1440 total value is based on average American spend. Actual total value may vary.

Sequin Rewards Cards are issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.

If the cumulative rewards paid to an individual in one calendar year exceed $599, then Form W-9 may be required to be completed prior to funds disbursement. You are responsible for any applicable federal, state, or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences.

Sequin is not a Bank. Sequin Rewards Cards are issued by Evolve Bank & Trust pursuant to a license from Visa. Rewards are not offered by Evolve Bank & Trust and are instead offered and managed by Sequin.

Stilt Inc. is the lender for all credit products available through Sequin. All lines of credit loans and rate terms are subject to eligibility restrictions including application review, loan amount, loan term, and lender approval. Eligibility for a loan is not guaranteed. NMLS #1641523, list of state licenses

Increase in credit score is dependent on on-time payment behavior and not guaranteed. Credit score is impacted by many factors and a Stilt loan is one of them. Stilt reports credit to Equifax, Transunion and Experian.

Copyright © 2022 Sequin Financial, Inc.