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StellarFi review

This credit reporting app could help you build credit with bills you already pay.

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Our verdict

StellarFi is an app designed to help you build a credit history. It's a credit bureau reporting app that works by offering its StellarFi Virtual Bill Pay Card that's used to pay your regular expenses, and then your repayments to StellarFi are reported to two of the major credit bureaus. There's no credit check, no interest charges and no deposit required. But it's not free, costing either $4.99 for Lite or $9.99 for Prime. This pricing is slightly cheaper than what you'll likely find with a rent reporting service, but it doesn't report to TransUnion.

Best for: Those with regular bills who want to build credit history.

  • Build credit with existing bills
  • No credit check
  • No APR or deposit required
  • $4.99 to $9.99 per month
  • Doesn't report to TransUnion
  • Can't pay bills with ACH transfers
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From $4.99 per month

Minimum deposit to open




Learn more and sign up on StellarFi's secure site

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Who is StellarFi best for?

StellarFi is for someone who wants to build a better credit history with their regular, unreported bills. Many rent reporting services are available, but they often only let you report your rent and require your landlord to set up the service — StellarFi doesn’t have any of those limits. You can report subscription services, rent, phone bills and much more with the app by linking your bank account. There is a monthly fee starting at $4.99 per month, but we’ve found that to be much more affordable than most rent reporting services.

How StellarFi works

StellarFi offers a credit-building virtual card that pays your regular bills. If approved, you’re offered the StellarFi virtual card, and you’ll download the StellarFi app. You’ll link the checking account you use to pay your bills and then add the bills you want to use to build a credit history, such as rent, utilities or subscription services.

Once set up, StellarFi will pay your bills for you on their due dates and then automatically debit the amount from your linked bank account. You also have the option of manually paying your bills as well. At least once per month, StellarFi will do batch reports to Experian and Equifax of your “StellarFi Limit,” which is the dollar amount of bills you’ve paid through the app.

One thing to note: StellarFi isn’t a credit card you can use for buy-now-pay-later purchases. It’s a virtual card that pays your bills and automatically debits that amount from your linked account. In short, it’s not a traditional line of credit you can use for in-person purchases or non-bill payments.

StellarFi plans and cost

Two plans are available, with a new plan set to launch soon. Neither plan requires a credit check nor charges APR.

Lite$4.99 per month
  • Up to $500/mo bills reported to the credit bureaus
  • Credit education
  • Bill monitoring and status
  • Bill payment notifications and autopay
  • Create custom credit goals and monitoring
Prime$9.99 per month / $0.99 trial for first 30 daysEverything with Lite, plus:
  • Up to $25,000/mo bills reported to the credit bureaus
  • Personalized perks and exclusive offers
  • Bill pay rewards
  • 1-on-1 live credit coaching
Premium (coming soon)$29.99 per monthEverything with Prime, plus:
  • Pay bills with ACH transfers
  • Flexible bill payment dates
  • Identity protection

What we like about StellarFi

Instead of getting a loan or opening a credit card to establish your credit history, StellarFi offers a different way. This app helps you gain credit history with bills you already pay, such as rent, utilities or phone bills.

The Lite plan is only $4.99 per month, whereas many other credit reporting services cost anywhere from $10 to $20 per month on average. Also, the Prime plan offers a $0.99 month trial, so you can try it out before you commit.

No credit check or APR

Unlike a credit card, there are no credit checks or interest charges with StellarFi — tempting perks when considering a credit-building card. StellarFi reports to two of the three major credit bureaus: Experian and Equifax. While it’s not all three credit bureaus, many credit reporting services report to only one bureau, let alone more.

Where it falls short

StellarFi doesn’t work for bills that require a bank account number and routing number. However, StellarFi is working to resolve this barrier with its new upcoming plan called Premium, which will allow bill pay with ACH transfers.

And, of course, a big downside with StellarFi is the monthly cost, which will run you nearly $60 per year with the cheapest plan. But compared to other bill and rent reporting services, StellarFi’s Lite plan is considered less expensive.

If you really want a credit reporting service that reports everywhere with no monthly fee, consider a debit-credit card such as the Fizz debit card or Step.

StellarFi’s fees and access

Type of feeFee details
Monthly fee
  • Lite: $4.99 per month
  • Prime: $9.99 per month
Minimum deposit$0
Credit scoreNot required
ATMsNot available, virtual card
Foreign transaction feeNot available, virtual card

Compare StellarFi to other cards that build credit

Narrow down top credit-building cards by monthly fees, APR and features. For a better comparison, select the Compare box on up to four providers to see their benefits side by side.

Name Product Fee Minimum deposit to open Requirements Credit Bureaus Offer
Not rated yet
From $4.99 per month
Must be at least 18 years old and a US resident with a valid Social Security number.
Equifax, Experian
Current Credit Building Card
Finder Rating: 4.5 / 5: ★★★★★
Current Credit Building Card
$0 per month
Subject to approval, with no credit check involved.
Equifax, Experian,TransUnion
Get a $50 referral bonus by inviting your friends to join Current. Once the person receives the invite link and makes qualifying deposits of at least $200 within 45 days of opening the account, you and the referred friend each earn $50.
Not rated yet
From $20 per month
Requires an existing bank account.
Equifax, Experian
Cleo Credit Builder Card
$14.99 per month
You’ll need to choose the Cleo Builder plan and apply for the card separately.
Equifax, Experian,TransUnion
Kikoff Credit+ Cash Card
Finder Rating: 4.7 / 5: ★★★★★
Kikoff Credit+ Cash Card
$0 per year
Must have a Kikoff Account
Equifax, Experian,TransUnion

How to open the StellarFi

No credit score is required, but you’ll need a bank account, and you must verify your identity during StellarFi’s account setup.

  1. Download the StellarFi app and create an account.
  2. Select your account in the app, then tap Account Settings.
  3. Tap Linked Account and then Update bank account to link the bank account that typically pays the bills you want reporting action for.

With your bank account linked, you can choose the bills you want to earn reporting action for. Keep in mind that with the Lite plan for $4.99 per month, you are limited to up to $500 in monthly bill payments and can’t report bills that require ACH transfers.

Eligibility and required info

Eligibility is simple and clear: StellarFi requires users to be at least 18, have a bank account, be a US resident and have a valid Social Security number. You may also need to verify your identity with a state-issued ID, such as a driver’s license or a utility bill.

Customer experience

StellarFi is a relatively new app, so there isn’t much customer feedback to date. But among the few reviews, most customers are pleased and happy with the app.

It has a C+ rating with the Better Business Bureau, with just a handful of complaints and reviews. Many report issues contacting customer service, but that isn’t uncommon among fintechs. A few state their accounts were canceled out of the blue, which harmed their credit scores.

The most common complaint on Reddit is how you can’t report payments that are paid via ACH transfer, but StellarFi is set to launch a new Premium plan that offers users a way to report those. However, it’ll cost a steep $29.99 per month.

On Trustpilot, StellarFi really shines, holding a strong 4.4-star rating out of around 100 reviews. Customers frequently praise the app for seeing a real increase in their credit scores in a short time, the ease of setup and linking bills, the educational resources and no hidden fees.

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