How ScoreAlp Works
Smart, personalized card matching — free, fast, and with no credit check.
Answer 5 quick questions
We ask about your credit score range, deposit budget, whether you've been denied before, any credit history events, and what matters most in a card. No social security number. No hard pull. Nothing scary.
Our algorithm runs the match
We compare your answers against the eligibility criteria, fees, and features of every secured card on our platform. Cards that would reject you based on your profile are filtered out entirely.
See your ranked matches
Your results are sorted by match score and approval likelihood. The #1 match is the card most likely to approve you and best fit your stated priorities.
Click Apply — go straight to the issuer
Your Apply button sends you directly to the official card application on the issuer's website. No middleman. No collected card numbers. Just a direct connection to the bank.
How do we make money?
When you click Apply and get approved, the card issuer pays ScoreAlp a referral commission. This is standard practice across the industry — it's how NerdWallet, Credit Karma, and Bankrate are all funded. Your use of ScoreAlp is completely free. Our commission never influences which card ranks #1 — only your profile match score does.