credit-card
(9)
Flex
Flex is an AI-native private banking platform for high-net-worth, middle-market business owners. It bundles credit, business and personal banking, payments, AP automation, expense management, and ERP-style tooling into a single super app aimed at owner-operators of $3M-$100M revenue companies.
Made Card
Made Card is a New York fintech building a credit card designed specifically for homeowners. Its Made Essential Visa Signature Preferred Card - issued by Lead Bank - rewards the ordinary spending of owning a home: mortgage payments, home improvement, maintenance, utilities, gas and groceries. Points can be cashed out the usual ways or redeemed for less usual ones, like buying down the card's own APR. Founded by Ashin Shah, Christophe Van and Alex Song, the company raised $8M+ in seed funding in November 2025 and launched a nationwide distribution partnership with Fairway Home Mortgage.
TomoCredit
TomoCredit is a San Francisco fintech that issues a credit card to people the traditional system can't see - immigrants, students, and first-time borrowers with no FICO score. Instead of a credit check, its proprietary 'Tomo Score' underwrites applicants on cash-flow and bank data, with no deposit, no APR, and no fees, earning revenue purely from merchant interchange. Founded in 2018 by Kristy Kim after she was denied a car loan as a Korean immigrant with no credit history, the company has processed millions of applications and is now building TomoIQ, an AI financial assistant that turns professional-grade money guidance into something anyone can use.
Karat Financial
Karat Financial is a Los Angeles-based fintech building banking, credit cards, and financial tools for the creator economy. Founded in 2019 by Eric Wei and Will Kim, Karat underwrites digital creators and influencers using their social metrics and online business performance rather than traditional credit signals, giving YouTubers, streamers, and other entrepreneurs access to credit, banking, payments, and AI-powered bookkeeping that legacy banks routinely deny them.
StellarFi
StellarFi is an Austin-based fintech and public benefit corporation that helps people build credit without taking on debt. Members link recurring bills - rent, utilities, streaming, phone - and StellarFi pays them, then reports the on-time payments to the major U.S. credit bureaus each month. Founded in 2021 by serial entrepreneur and former U.S. Marine Lamine Zarrad, the company targets the roughly 150 million Americans with thin files or credit scores below 680, turning ordinary monthly bills into a path to a better score. The product has since expanded into a tiered, behavior-based credit card.
Aven
Aven is a San Francisco-based fintech that built the first credit card backed by home equity. It pairs a Visa with a HELOC so homeowners can borrow against their house at mortgage-like rates while earning 2% unlimited cash back. Founded in 2019 by ex-Facebook and Square engineers, Aven hit a $2.2B valuation in 2025 after a $110M Series E led by Khosla Ventures and is building what it calls a 'machine banking' platform for American homeowners.
Sadi Khan
Sadi Khan is the Co-Founder and CEO of Aven, a San Francisco-based fintech unicorn valued at $2.2 billion that created the world's first home equity-backed credit card. A University of Waterloo computer engineering graduate, Khan spent over a decade at Facebook leading product for Internet.org, Maps, Search, and Ads before co-founding Aven in 2019. Aven has since issued over $3 billion in credit lines, saved consumers more than $215 million in interest, and raised $252 million in total funding. Known for his maximally rational decision-making style and habit of wearing the same outfit every day to reduce cognitive load, Khan aims to build America's first 'machine banking' platform and democratize access to home equity for millions of homeowners.
Kristy Kim
Kristy Kim is the Co-founder and CEO of TomoCredit, a San Francisco-based fintech company that uses AI and alternative data to help credit-invisible Americans — immigrants, international students, and young adults — build credit without a traditional FICO score. A Korean immigrant who moved to the U.S. at age 11, Kim was denied auto loans five times despite earning a six-figure investment banking salary after graduating from UC Berkeley, simply because she had no U.S. credit history. That personal experience became the seed of TomoCredit, which has raised over $46.5M in venture funding (backed by Mastercard and Morgan Stanley), serves 4+ million customers, and generates $20M+ in annual revenue. Kim now leads the company's expansion into AI-powered financial wellness with the launch of TomoIQ.
Pedro Franceschi
Pedro Franceschi is the co-founder and CEO of Brex, the corporate credit card company valued at over $10 billion and acquired by Capital One for $5.15 billion in 2026. A Brazilian programming prodigy who jailbroke the iPhone 3G at 13 and co-founded payments processor Pagar.me at 16, Franceschi dropped out of Stanford after one year to build Brex with co-founder Henrique Dubugras. Under his leadership, Brex grew from a Y Combinator startup in 2017 to serving thousands of high-growth companies including Airbnb, DoorDash, and Carta, fundamentally transforming how startups access corporate credit.