The Sunbit Card is by-invitation-only and reserved for our best customers.

    Invitations may be sent to existing customers who meet eligibility criteria, including creditworthiness. Keep an eye on your inbox.*

    Use Sunbit anywhere Visa® is accepted.

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    No Hard Credit Check
    Application takes about a minute and will not impact your credit score*
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    Absolutely No Fees
    No annual fees, no application fees, no late fees, no processing fees, no fees at all.
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    Powered by the MySunbit App
    Manage your spending and security controls with the MySunbit mobile app

    Sunbit Cardholders can use Sunbit anywhere they shop.

    How is the Sunbit card different from credit cards?

    As opposed to traditional credit cards, with the Sunbit Card, your monthly balance is split into a 36-month payment plan (which you can always pay off sooner, and pay less interest by doing so).

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

    How does applying for the card impact my credit score?

    Completing the application will not impact your credit score but all account openings and payment performance are reported to a major credit bureau.

    Is there an annual fee?

    No, there is no annual fee.

    Is there a late fee?

    No.

    I received an email that said I could receive an invitation to apply if I make 1 (or 2) more payments on time. What does this mean?

    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.

    Where can I use the Sunbit Card?

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

    Read the full FAQ »

    *The Sunbit Card is subject to approval based on creditworthiness. 12.49%-29.99% variable APR. Rates as of August 28, 2023. Not available to residents of CO, CT, DC, MA, MD, ME, NY, VT, WV, and WY. If you have no purchase-related transactions on your account (and certain other events do not occur), you can generally pay off your balance in 36 months by timely making the required minimum payment due each billing cycle. All account openings and payment activity are reported to a major credit bureau. See our FAQs to learn more about how the Sunbit Card works as well as the Terms and Conditions.

    The Sunbit Card is issued by Transportation Alliance Bank, Inc., dba TAB Bank, pursuant to a license from Visa U.S.A. Inc. Use of the card is subject to the cardholder agreement.