The money you send home should bring you home.
El dinero que mandas a casa, te trae a casa.
Send money home free. Build your credit automatically.
The only card that turns your remittances into credit history. Zero fees. Zero catch.
Join the waitlist →
You're paying to take care of your family.
The average person sending money home pays $150–$400 a year in fees. Western Union. Remitly. Bank wires. Every transfer costs you. We think that's wrong.
Cost to send $300 home
Average based on published transfer fees as of 2024.
Here's what makes us different.
Send money home
Tap send in the app. $300 arrives to your family in minutes. Fee: zero.*
Your credit builds automatically
Every transfer posts as a purchase on your card. Every month you pay, we plan to report to Equifax, Experian, and TransUnion. No extra steps. No separate product.
Earn points toward your flight home
Earn rewards on every transfer — redeemable for flights home. Turn the money you were already sending into a path back to your family.
Other cards treat remittances as cash advances — fees from day one, no points, no grace period. We're designing our card differently. Your transfers are purchases. That changes everything.
Your financial life in America starts here.
Most credit cards report one thing: whether you paid your bill. We're building a card that reports your entire financial picture. Because 12 years of sending $300 home every month should tell lenders something about who you are.
Month 6
Your credit score appears or improves*
Year 1
You may qualify for better loan rates*
Year 2–3
You're positioned for a car loan or mortgage*
No deposit required. No SSN required. Just your paycheck and your history.
We come to you.
We plan to partner with employers across Utah to bring this card directly to workers. No ads. No app store. Your HR team introduces us, we show up with lunch, and we help you get started in person. In your language.
Employer partnerships
We show up in person
Lunch & learn
In your language
WhatsApp support
Real humans, always
Utah launch
Expanding soon
Built by people who lived this.
I'm Venezuelan. My co-founder's family is Mexican. We've watched our communities pay hundreds of dollars a year just to take care of the people they love. We built the card we wish existed. One that treats you like the financially responsible, hardworking person you are — not like a risk to be managed.
Joshua Phelps
Co-founder, Puente Financial
Your questions, answered.
You've been paying too much for too long.
Join the waitlist. Be first when we launch.
No credit card required. No commitment. Just your spot in line.