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  Prosper Credit Card
Prosper Credit Card
in Credit Cards from Prosper Funding LLC
Claimed

Prosper Credit Card

Claimed
in Credit Cards from Prosper Funding LLC
Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 23.99% - 29.99%
Balance Transfer APR N/A
Credit Score Range 640 - 850
Annual Fee $39

Prosper Credit Card Review

This is a credit card issued by Prosper Funding LLC. If you're wondering whether Prosper Credit Card is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 23.99% up to 29.99%.
  • Annual fee waived 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 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 640.

Pros & Cons of Prosper Credit Card

The Good The Bad
  • No security deposit is required.
  • No fees for ATM cash withdrawals.
  • Annual fee waived during the first year.
  • Identity Theft Protection.
  • Prosper Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $39
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Prosper Credit Card FAQ

Does Prosper Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Prosper Credit Card benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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%. 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.

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?

The following fees apply:

Prosper Credit Card Fees
Fees Amount
Annual Fee $39 (Annual fees vary by year)
Foreign Transaction Fee 1%
Late Payment Fee up to $40

Does Prosper Credit Card have a foreign transaction fee?

Prosper Credit Card charges a foreign transaction fee of 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 Prosper Credit Card customer service number 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 Prosper Credit Card login page?

You can access the Prosper Credit Card login page here.

How do people rate the customer service and user experience of Prosper Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Prosper Credit Card report your account activity to credit bureaus?

Yes, Prosper Credit Card reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Prosper Credit Card

  • Visit the Prosper Credit Card website.
  • 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

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 9:00pm
  • Tuesday 8:00am - 9:00pm
  • Wednesday 8:00am - 9:00pm
  • Thursday 8:00am - 9:00pm
  • Friday 8:00am - 9:00pm
  • Saturday 9:00am - 5:30pm

Other Services by Prosper Funding LLC

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Foreign Currency Transaction Fee 1%
No Annual Fee First Year
Annual Fee $39
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 21 days
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Cash Advance APR (Variable APR) 29.99%
APR Type Variable APR
Credit Limit $500 - $3,000
Purchase APR (Variable APR) 23.99% - 29.99%
Card Type
  • Bad Credit
Card Network Mastercard

Prosper Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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