Last Updated: 07/28/2025
SuperMoney User Recommendation Score -71
Strongly not recommended7 total votes
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
23.99% - 29.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
640 - 850
Disclaimer popup with additional information
Annual Fee
$39
Disclaimer popup with additional information
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 |
|
|
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.
What is the login page for Prosper Credit Card?
You can access the login page of Prosper Credit Card here.
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