Instant access to rewarding credit
Earn points on every Purchase - 1 point per dollar spent and 1 point per dollar paid - and do it today with instant access to your digital card in the My Home Credit app.
Get rewarded when you buy and when you pay
With the Home Credit Visa® Card, earn 1 point per dollar spent and 1 point per dollar paid. Then redeem points back towards your statement.
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Earn 1 point per dollar on every Purchase and payment made.

Redeem points as statement credits.1

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Immediate Access

Access your new credit card within seconds of approval via the My Home Credit app and start shopping today.

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No Annual Fee 2

Unlike other cards, the Home Credit Visa® Card has no annual fee.

Have you been invited to apply for a Home Credit Visa® Card?

The easiest redemption, ever.

1. Earn Points

Use your credit card anywhere Visa® is accepted. Earn 1 point for every dollar spent on Purchases and 1 point for every dollar paid towards your monthly bill.

2. Choose How You Redeem

Once you reach 500 points, simply select the Purchase you'd like to use your points towards and slide to redeem.

3. Success – it's that easy!

You'll see the credit in your next statement

Frequently Asked Questions

Home Credit Visa® Card: Currently, the Home Credit Visa® Card is only available by invitation. You may receive an e-mail or mailed invitation that includes a website and access code that you can use to access the application and apply.

A "pending" application means that your application has been submitted and is under review by our credit team. You will receive a communication with a decision on your application either via e-mail or mail within 30 days of application submission.

Congratulations on your approval! You can access your new credit card within seconds via the My Home Credit app and start shopping today. Additionally, you will receive an e-mail and/or mail with information regarding your new Account soon after approval and your physical card will arrive within 7-10 business days. You will need to activate your physical card before you can use it.

Primary Account holders can manage the Account in the My Home Credit app, in the Home Credit customer web portal (, or via the Customer Care line: 1-855-456-8048. Authorized Users of the account are not able to manage the account.

You can activate your card on the My Home Credit mobile app by tapping “Activate Card” on the Overview screen and entering the requested information. The primary Account owner can activate all cards on their Account in the mobile app. If preferred, you can also activate your card at or by calling the number on the back of your card.

Authorized users may only activate their individual card and must call the number on the back of their card to do so.

To add an authorized user via the My Home Credit app, please login to your Account and go to the Settings page. If you have less than 5 Authorized Users on your account, the button to "Add New User" will be available. Otherwise, please contact us at 855-456-8048.

Primary Account holders can update contact information via the My Home Credit app by tapping “My Profile” on the Settings screen.

You can also update your information on the web by signing in online, then select "Cardholder Info" from the "Account Info" option on the left hand navigation bar. To update your information, delete the existing information, type in the correct information and click "Submit.”

If your card is lost or stolen, please contact us immediately at 855-456-8048. A representative will shut down your card and send you a replacement card. If you think you have temporarily misplaced your credit card, you can temporarily freeze your card using the My Home Credit app.

Authorized users are not able to freeze their cards.

If you need a replacement card, please contact us at 855-456-8048.

To see if you have Cash Advances as a feature of your card, please refer to your statement. If this feature is available, the amount available for cash advances will be displayed. If you need to setup a PIN to access this feature, please contact us at 855-456-8048 and follow the prompts.

Learn more about your Visa® benefits and how to take advantage of them with our Guide to Benefits at

An Introductory APR is an APR applicable to qualifying balances or transactions for a specified period of time that is lower than the APR that will be in effect at the end of that period on such balances or transactions. The specified period of time begins on the date of your Account opening and ends on the expiration date found on your monthly billing statement. After the introductory period end, your standard APR for Purchases will apply.

Your Cardmember Agreement is your contract for your Home Credit product and states the terms and conditions which apply to your Account. 

You can view your Cardmember Agreement by visiting and scrolling to the bottom of the page.

If you need to dispute a charge on your statement, you can submit the dispute by: 

- Logging in to the online services and open the applicable statement by selecting "View Your e-Statement" from the "Statement" option from the left hand navigation bar. Once you have selected the applicable statement, click on the specific transaction in the statement that includes the transaction, then select "Dispute Transaction" from the options and clicking "Submit." 

- Calling us at 855-456-8048 and speak with a live representative. 

- Sending the dispute in writing to the following address: Home Credit – Disputes, PO Box 2988, Omaha, NE 68103-2988. 

Timely notification is important. Most transactions must be disputed within 60 days of the date of the statement where the error appeared. We will respond to your written dispute within 30 days after we receive the dispute. Contact us at 855-456-8048 to cancel a dispute. Disputes can generally take 60-90 days to resolve.

The Bank of Missouri is the issuer of the Home Credit Visa® Credit Card with servicing rights and other rights assigned to Home Credit US, LLC.

You will earn points when you, or an authorized user, use your card to make purchases, minus returns, refunds or adjustments that are not payments. You will earn 1 point for every dollar spent on purchases and earn 1 point for every dollar paid towards your bill. 2 points = 0.01 cents.

A Qualifying Purchase is a Purchase made on your card on which you can redeem your points.

You must have a minimum of 500 points to be eligible for points redemption. You can redeem in 2 point increments up to the value of the Qualifying Purchase made within 30 days of the date of redemption or your total points balance, whichever is less, until your total points fall below 500 points.

Your reward points do not expire as long as your Account is open and in good standing.

You can redeem points through our My Home Credit mobile app. When you reach 500 points, you may redeem in 2 point increments towards Qualifying Purchases within 30 days of the date of the Purchase in three easy steps:

1. View your Qualifying Purchases and select the Purchase against which you would like to redeem your points. 

2. Use the slider to determine how many of your rewards points you would like to redeem against the Qualifying Purchase. 

3. Confirm your selection. 

Once you confirm the selection, the redeemed reward points will be deducted from your total reward points balance and an accompanying credit will be applied to your Account balance and shown on your statement.

You can view your reward point balance at any time via the My Home Credit app. Reward points will also be visible on your statement.

Frequently Asked Questions
Frequently Asked Questions