Earn from your good credit

Your credit score is an asset. Start earning from it.

If you have an aged credit card with a low balance, you can list it on Optimized Credit and earn a monthly share of each seeker's plan fee. No risk to your credit. No cost to get started.

List my card — it's free See how it works

Monthly earnings by card tier

Card 5+ years old

$15,000+ limit · under 15% utilization

$210

per seeker / month

Card under 5 years

$10,000+ limit · under 15% utilization

$140

per seeker / month

One seeker per card. Three-month sprints. You add them as an authorized user — we handle everything else.

Four steps to your first payout

Simple, transparent, and fully on your terms. You control your card — we just connect you with seekers who need what you have.

Sign up and list your card

Upload a screenshot of your account summary. Our AI reads the details — age, limit, utilization — and lists your card at the right tier. The screenshot is discarded immediately.

Get matched with a seeker

Once verified, your card is listed in our tradeline pool. When a seeker's profile is a fit, they're matched to your card and their sprint begins.

Add them as an authorized user

You receive the seeker's name and add them to your card through your card issuer's website or app. That's your only action — you never share card numbers or login credentials.

Earn monthly for 3 months

You're paid your share each month of the sprint. At the end of 3 months, you remove the authorized user and your card is available for the next seeker.

What's required — and what's not your problem

Card eligibility requirements

Under 15% utilization at time of listing
Positive payment history — no recent lates
Allows authorized users (most major cards do)
Monthly verification screenshot submitted on time
Business cards or charge cards are not eligible
Cards with over 15% utilization cannot be listed

Your responsibilities as a provider

Add the seeker as an authorized user when matched
Keep utilization below 15% for the sprint duration
Submit a monthly verification screenshot
Remove the authorized user at sprint end
You are not responsible for the seeker's financial behavior
The seeker never has access to your card or account
You never share your card number or login credentials

Your credit is protected

The most common question from providers: "Is this safe for my credit?" Here's exactly why the answer is yes.

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They can't touch your account

An authorized user has their name on the card for reporting purposes only. They cannot make purchases, request a credit limit increase, or access your account in any way unless you hand them a physical card — which you don't.

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Monthly utilization monitoring

We verify your card's utilization every month via your screenshot submission. If it creeps above 15%, your listing is paused and the seeker is notified — protecting both of you.

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Standard authorized user rules apply

Card issuers allow authorized users — it's built into your card agreement. Adding and removing them is a routine operation with no credit impact on you. Millions of families do this every day.

What you actually earn

You keep 70% of the monthly plan fee. The platform takes 30% to cover matching, monitoring, seeker coaching, and dispute resolution. Payouts are processed monthly.

Have more than one eligible card? Each card earns independently. One seeker per card at a time.

Scenario	Per month	Per sprint
1 card, 5+ years	$210	$630
1 card, under 5 years	$140	$420
2 cards (5yr + under 5yr)	$350	$1,050
2 cards, both 5+ years	$420	$1,260

Payouts are shown as provider share (70% of plan fee). Actual earnings depend on card tier and continued eligibility throughout the sprint.

Provider questions

Will this affect my credit score?

No. Adding or removing an authorized user does not generate a hard inquiry and does not affect your credit score. It's a routine account management action. Your score is only impacted by your own payment history and utilization — neither of which changes by adding an authorized user.

What if my utilization goes above 15% during the sprint?

Your listing is automatically paused when your monthly verification screenshot shows utilization above 15%. The seeker is notified. If you bring it back below 15% and resubmit, the listing reactivates. If you can't within 7 days, the seeker is matched to a replacement card and your sprint for that seeker ends.

How does the seeker get added to my card?

Once matched, you receive the seeker's legal name. You log into your card issuer's website or app and add them as an authorized user using their name only — the same way you'd add a family member. Most major issuers do this in under 2 minutes. You do not need their Social Security number, date of birth, or any other sensitive information.

Is this legal?

Yes. Authorized user accounts are a standard feature of virtually every credit card agreement and are explicitly recognized by credit bureaus. The FTC has reviewed the practice and it remains legal. You are simply using a feature your card issuer already supports.

When and how do I get paid?

Payouts are processed monthly, at the start of each billing month. Payment method details are set in your provider dashboard. Funds typically arrive within 3–5 business days of processing.

Can I remove the seeker before the sprint ends?

You can remove an authorized user from your card at any time — card issuers allow this. However, early removal would end the seeker's sprint and forfeit the remaining monthly earnings for that sprint. Providers are expected to honor the 3-month commitment barring genuine account emergencies.

Ready to list your first card?

Sign up, upload a screenshot of your account summary, and we'll tell you what tier your card qualifies for and what you'll earn. Free to list, no commitment until you're matched.

List my card — it's free