cushion build credit

Build Credit Automatically

Build your credit history with bills and BNPL payments you're already making

Get Started

cushion build credit

Build Credit Automatically

Build your credit history with bills and BNPL payments you're already making

Get Started

Get more out of your payments

Subscriptions, utilities, Buy Now Pay Later, and more. Cushion makes sure EVERY payment counts toward building your credit

cushion bill payment

cushion bill payment

Get more out of your payments

Subscriptions, utilities, Buy Now Pay Later, and more. Cushion makes sure EVERY payment counts toward building your credit

Pay with your virtual Cushion card

Put your Cushion card on file with billers your pay frequently. 
When a payment is due, Cushion charges your bank account or debit card to cover the cost of each payment

virtual cushion card

virtual cushion card

Pay with yourvirtual Cushion card

Put your Cushion card on file with billers your pay frequently. 
When a payment is due, Cushion charges your bank account or debit card to cover the cost of each payment

We report your payments monthly

At the end of every month, we add up all purchases and payments made with Cushion card and report them to credit bureaus to help you build credit

cushion monthly payment reports

cushion monthly payment reports

We report your payments monthly

At the end of every month, we add up all purchases and payments made with Cushion card and report them to credit bureaus to help you build credit

Choose the plan that’s right for you

Build credit when you make

Buy Now Pay Laterpayments

Get Started for $4.99 / Mo

Frame-1077243739-min-1

Build credit when you pay

BNPL, Your Bills,or Both

Get Started for $12.99 / Mo

Choose the plan that’s right for you

cushion cards mob1

Build credit when you make

Buy Now Pay Later Payments

Get Started for $4.99 / Mo

cushion card mob2

Build credit when you pay

Buy Now Pay Later, Your Bills, or Both

cushion card2 apps

Get Started for $12.99 / Mo

How it works

Step 1

We organize your bills

Securely link your bank and email. We’ll find and neatly organize your bills and BNPL payments


256-bit SSL encryption


Top-tier security partnerships


Customer data is never sold

Step 2

Activate your Cushion virtual card

Choose one of the two virtual Cushion cards that best suits your needs

Step 3

Put it on file with billers

Set your Cushion card as the primary payment method with billers you pay regularly

Step 4

We report your payments to help you build credit

Bills paid with a Cushion card are automatically reported to the credit bureaus

experian

FAQ

Securely connect your bank accounts, credit cards, and Gmail account to Cushion. We’ll automatically find your bills, subscriptions, and Buy Now Pay Later purchases and add them to your Cushion account.

Track when your bills are due and pay them with your Cushion Card. Simply swap out your current payment method, replace it with your Cushion Card, and we will handle the rest.

We’ll automatically make the bill payments on your behalf and then withdraw the bill amount from your bank account so long as you have sufficient funds in your bank account to cover the amount due.

Since Cushion is paying bills on your behalf and then pulling the funds from your bank account, this enables us to report your positive payment history to help you build credit.

On-time recurring payments build up positive payment history and can lead to an increase in your credit score over time.

When you use the Cushion card to pay your bills, we make bill payments on your behalf and then pay ourselves back immediately. This allows us to report your bill payments as credit and demonstrate positive payment history to help you build credit.

There are many factors that go into calculating your credit score. How quickly you see an impact to your score will vary and depends on many factors. However, most of our users see an impact to their score within 3 months of signing up.

A positive payment history is one of the most influential components of your credit score. Paying your bills with the Cushion card every month will help you build a positive payment history over time and, ultimately, a better credit score.

It depends on when you sign up and make the first payment using your Cushion Card. Cushion reports all payments at the end of each month, starting with the first month in which you make a payment with your Cushion Card. After that, it can take up to 2 weeks to be processed by the credit bureaus and added to your credit report.

For information on how to view your credit report, check out this article.

There are many factors that impact your score and adding a new line of credit to your credit profile may cause a minor, temporary dip in your credit score because it may reduce the overall age of your credit history.

However, as you make on-time payments with your Cushion Card your credit score should rebound quickly and continue to build over time.

Check out the rest of our Credit Building FAQs.

FAQ

Securely connect your bank accounts, credit cards, and Gmail account to Cushion. We’ll automatically find your bills, subscriptions, and Buy Now Pay Later purchases and add them to your Cushion account.

Track when your bills are due and pay them with your Cushion Card. Simply swap out your current payment method, replace it with your Cushion Card, and we will handle the rest.

We’ll automatically make the bill payments on your behalf and then withdraw the bill amount from your bank account so long as you have sufficient funds in your bank account to cover the amount due.

Since Cushion is paying bills on your behalf and then pulling the funds from your bank account, this enables us to report your positive payment history to help you build credit.

On-time recurring payments build up positive payment history and can lead to an increase in your credit score over time.

When you use the Cushion card to pay your bills, we make bill payments on your behalf and then pay ourselves back immediately. This allows us to report your bill payments as credit and demonstrate positive payment history to help you build credit.

There are many factors that go into calculating your credit score. How quickly you see an impact to your score will vary and depends on many factors. However, most of our users see an impact to their score within 3 months of signing up.

A positive payment history is one of the most influential components of your credit score. Paying your bills with the Cushion card every month will help you build a positive payment history over time and, ultimately, a better credit score.

It depends on when you sign up and make the first payment using your Cushion Card. Cushion reports all payments at the end of each month, starting with the first month in which you make a payment with your Cushion Card. After that, it can take up to 2 weeks to be processed by the credit bureaus and added to your credit report.

For information on how to view your credit report, check out this article.

There are many factors that impact your score and adding a new line of credit to your credit profile may cause a minor, temporary dip in your credit score because it may reduce the overall age of your credit history.

However, as you make on-time payments with your Cushion Card your credit score should rebound quickly and continue to build over time.

Check out the rest of our Credit Building FAQs.

Build your credit history automatically with payments you’re already making!

Your credit score will thank you.

Get Started

Build your credit history automatically with payments you’re already making!

Your credit score will thank you.

Get Started