Last Updated: 07/28/2025
SuperMoney User Recommendation Score -71
Strongly not recommended7 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
23.99% - 29.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
N/A
Credit Score Range
640 - 850
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Annual Fee
$39
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Number of Reviews
Prosper Credit Card Review
This is a card issued by Prosper Funding LLC. If you're wondering whether Prosper Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 23.99% up to 29.99%.
- $0 intro annual fee for the first year. Prosper Credit Card gives you the chance to have the card for a year without paying the $39 annual fee.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Prosper Credit Card
| The Good | The Bad |
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Prosper Credit Card FAQ
Does Prosper Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Prosper Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Prosper Credit Card has a variable purchase APR that ranges from 23.99% up to 29.99%. Prosper Credit Card does not offer balance transfers. It also has a variable cash advance APR of 29.99% .
Does Prosper Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Prosper Credit Card does not offer balance transfers.Does Prosper Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Prosper Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $39.
Does Prosper Credit Card have a foreign transaction fee?
Prosper Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Prosper Credit Card?
The customer service number for Prosper Credit Card is (866) 615-6319.
What is the support contact email for Prosper Credit Card?
The support contact email for Prosper Credit Card is bizdev@prosper.com.
How do people rate the customer service and user experience of Prosper Credit Card?
Overall, Prosper Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Prosper Credit Card report your account activity to credit bureaus?
Yes, Prosper Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Prosper Funding LLC perform a hard credit pull?
Yes, Prosper Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Prosper Credit Card
- Visit the website of Prosper Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Prosper Credit Card Disclosure: The annual fee for this credit card is $39, which will be waived for your first year if you are approved and sign up for AutoPay before we issue your first statement. See details for additional information about rates, fees, and other terms.
View Prosper Credit Card's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -71, or 1.6 on a 5-point rating scale.
-71
-1000+100
No one recommends
Everyone recommends
Prosper Credit Card Community Reviews
Would you recommend Prosper Credit Card to your friends?
Chris D.
Aug 30, 2023
May or may not recommend
Was promised doubling of credit limit with 6 months of ontime payments. Been over 1 1/2 years with multiple payments every month. No increase as promised at sign up
RB
Rob B.
Jun 21, 2023
May or may not recommend
Horrible customer service. Paid off card over 6 months ago. Had to contact Prosper to update credit report with payment. Now, year later with zero balance they drop credit limit by 1500.00
SB
Sally B.
Jun 15, 2023
May or may not recommend
Never missed a payment or late since I've had it, almost 2 years. Now all of a sudden it's "restricted" with no reason why.
DM
Dre M.
Feb 2, 2023
May or may not recommend
this company is a fraud PERIOD what they dont tell customers is no matter how good of a payment history you have with prosper they dont have a system in place to be able to raise your credit limit, so what they do is continue to lie to individuals and say that with good on time payment history they will increase your credit limit. i had impeccable payment history and ...Show More
RA
Richard A.
Dec 14, 2022
May or may not recommend
After being a customer for 2 yrs, they reduced my credit from $2,100 to $500, a week before Christmas and 2 weeks after I had paid my previous months balance in full. I received a letter that said the reason my credit was reduced was due to timeline delinquencies. I have always had autopay of full monthly balances. I have never missed a payment. Just incredible.
DE
D E.
Jul 22, 2022
May or may not recommend
The card was easy to get. After using it for several months all of a sudden it was "restricted". I always made payments on time and was not near the credit limit. When i called they were unable to tell me why it was restricted or who restricted. Since I couldn't use the card I cancelled it.
U
Anonymous
May 20, 2022
May or may not recommend
It was an easy application & the card came in a timely matter.
Showing 7 of 7 reviews
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