The minimum payment due (“minimum payment”) is calculated to be the greater of $25 or 1% of your balance plus new interest, plus any past due balance. If the total outstanding balance is less than $25, then the total outstanding balance is the minimum payment.

For customers whose cards were issued prior to January 10th, 2024: if you have a purchase-related transaction on your account (or certain other events occur) and you are not late, we calculate the equal payments you would need to make on time in the next 36 billing cycles to pay your balance in full (assuming you make no further purchases).  This is the minimum amount you must pay in those next 36 billing cycles (unless, e.g., you make another purchase, you are late or certain other events occur).  In the event you are late, your minimum payment will also past due amounts. If you are current and do not have a purchase-related transaction on your account in a billing cycle (and certain other events do not occur), then we do not recalculate your minimum payment due for the next billing cycle and instead your minimum payment is equal to the amount calculated when you last had a purchase-related transaction to repay your balance in 36 billing cycles.

For customers whose cards were issued prior to January 21st, 2021, the above-mentioned calculations related to the minimum payment are made over 12 billing cycles.

Have your phone nearby so you can verify your phone number. You’ll also need to provide some other information, such as your date of birth, the last 4 digits of your Social Security number, your income, and how much you personally pay on your rent or mortgage. You’ll also need to set up a payment method for your monthly payments.

Completing the application will not impact your credit score. Once your account is opened, all account openings and payment activity are reported to a major credit bureau, which may affect your credit.

You can use your virtual card immediately for online or in-person purchases by adding your temporary card details found in the Sunbit app to your digital wallet. (The Sunbit app is available on select mobile devices.) You can use your physical card as soon as it arrives, which is usually within 7-12 business days.

No, the application needs to be done online.

We need this information to confirm your identity. 

You’ll find out as soon as you submit your application online.

If you’re approved, we’ll let you know what your credit line is right away.

Customer information and credit performance for offering customers a credit line increase are reviewed regularly. These factors include: on-time payments, overall credit performance, and other factors. In general, accounts become eligible for a credit line increase after:

• Accounts have been opened for several months.
• Have not received a credit line increase or decrease over the past several months.

The factors we review include your current income, whether you make on-time payments (with all creditors), and other applicable factors that impact your credit score.

You should get it in the mail within 7 to 12 business days after you’re approved.

No—your Sunbit Card is assigned to you, and for your personal use only.

No, there is no annual fee.

The interest rate can vary slightly with the Prime Rate.
Read the terms here.

We don’t charge fees for late payments, early payments, origination, or penalties. There’s also no annual fee, no application fee, and no processing fee. We’re serious, no fees (except interest, of course).
Read the terms here.

If you pay your entire balance on or before the due date you will not be charged any interest. Otherwise, you will be charged interest as it normally accrues based on your average daily balance.

Your statements will be sent electronically to the email address on file. If you don’t see the email in your inbox please check your promotion/social/spam/junk folder. You can request a paper statement in lieu of an electronic one by calling 855-678-6248 or emailing us [email protected].

The Sunbit Card can be used anywhere Visa® is accepted, in-store or online.

If your next 1 or 2 payments (as indicated in the email) are made on time, you remain in good standing, and your credit profile has not changed significantly, then you can expect to get an invitation to apply for the Sunbit Card.

You can call us at 855-678-6248 or email us at [email protected].  We will be happy to assist you with any questions.