CardCompareHub

Tilt Essentials Card

VISA Cash Back Rewards No Annual Fee Student

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Tilt Essentials Card

Credit Score

300 850
No Credit - Excellent
Apply Now On WebBank's secure website Terms apply. Approval is not guaranteed.

Annual Fee

$0

Rewards Rate

Up to 10%

Foreign Fee

$0

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

29.99% Variable

Rates & fees apply. See issuer's website for full terms.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by WebBank.

Tilt Essentials is an unusual entry: no annual fee, a baseline cash-back rate on all purchases with a higher tier on gas and groceries when AutoPay is enabled, plus cash back at select national merchants, variable APR, no security deposit, reports to all three bureaus, accepts applicants with limited or no credit history.

The boosted rate on gas and groceries when AutoPay is enabled is rare for a no-fee card aimed at limited-credit applicants. The AutoPay requirement is a feature, not a bug — automated full-balance payment is what prevents the APR from eating the rewards. Among new entrants in the credit-builder space, Tilt's combination of zero fees, real category rewards, and an automatic credit-line increase path is genuinely competitive. The unknown is brand longevity — Tilt is a younger issuer than Capital One or Discover, so weigh how much you value an established issuer's customer service track record.

Card Details

  • 1% cash back on all purchases. Unlock 3% on gas and groceries with AutoPay
  • No Annual Fee
  • 1-10% cash back at select national merchants
  • Credit limit increases in as early as 4 months for qualified borrowers
  • Pay with ease with a contactless card or on your phone using Apple Pay, Google Pay, or Samsung Pay
  • Build credit alongside hundreds of thousands of Tilt card members
  • Tilt reports to all 3 major credit bureaus
  • Freeze your card in the mobile app at any time for peace of mind
  • Zero liability fraud coverage
  • No security deposits required
  • Card issued by WebBank
Also in: Top Credit Cards 2026 Cash Back Rewards

Tilt Essentials Card

Ready to apply? Visit the issuer's secure site.

Apply Now On WebBank's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.