From $4.99 a month. No credit check, no interest, cancel anytime.
No credit check. Just a few basics and you're in.
Every included service turns on instantly.
Build credit with bill payments and use Bill Negotiation to lower everyday costs.
Payments get reported to all three bureaus to build credit history.
Two engines reported to all three bureaus: your $500 credit line and the household bills you already pay.
Our negotiators call your providers and get your bills down. You keep 100% of the savings.
Earn 2% cash back every time you pay a bill through Everkite — with or without your credit line.
Spend it on services like Bill Negotiation and money guides. Repayments ar reported to all three bureaus to build credit.
Pay bills through Everkite and get them reported to the credit bureaus to build credit history.
The bills you already pay, finally paying you back. Every bill you pay with Everkite gets 2% cash back on the next one.
Our team negotiates directly with your provider to lower your bill costs. You keep 100% of any savings. No switch needed. Savings are not guaranteed.
Comparison based on publicly listed pricing and terms of leading US credit-builder services and secured credit cards as of 2026. Individual products vary — always check a provider's current terms. Savings from bill negotiation are not guaranteed.
No. Everkite doesn't run a credit check at all.
Every Everkite membership includes a $500 credit line, bill reporting to all three credit bureaus, bill pay with 2% cash back, and access to bill negotiation ($15 per bill). Plus a library of member money guides.
No. Every feature in your membership works independently — bill reporting, 2% cash back on bill pay, and bill negotiation all work without ever tapping your credit line. It's there when you want it.
No — and that's the point. Your $500 line is spent inside Everkite on member services and guides. It keeps your utilization low, which can be helpful for your score.
Pay bills with Everkite or upload a receipt for household bills you've already paid to report them to all three credit bureaus. Results vary and improvement isn't guaranteed.
Pay your regular bills through Everkite and earn 2% cash back on every payment. Works whether you pay from your own funds or your Everkite credit line. Get 2% back off the next bill you pay with Everkite.
Our team calls your provider — phone, internet, TV, or insurance — and negotiates a lower rate. You keep 100% of the savings. Savings aren't guaranteed.
Yes. Bill negotiation is $15 per bill and you can pay directly by card or bank — using your Everkite credit line is optional.
Never. Everkite is a flat $4.99/month. No interest, no late-fee traps, no surprise charges.
Everyone's different, but we expect movement on a score within a few months of consistent on-time payments.
In two taps from your account settings - it takes 1 minute. No phone calls needed.
$4.99/month. No credit check. Cancel anytime.