✅ Use items like diamond rings, gold, luxury watches, or use your debit card for your refundable security deposit.
✅ Your credit line will be based on the total value of your items or cash deposit.
✅ No credit score check to see if you prequalify
✅ Your account is reviewed for a credit line increase after 6 months
✅ Use your card anywhere Mastercard® is accepted.
Use our calculator to estimate your potential credit line based on the value of your eligible items.
Complete a quick online application. Your credit score won’t be impacted, and there’s no minimum credit score required to get pre-qualified.
Visit your nearest UPS and use the prepaid QR code. There’s no need to package anything or print a shipping label — UPS does this for you.
After your items are received and reviewed, we’ll send the card terms to you for acceptance. Then, your digital card is available immediately for use.
Diamonds & Gemstones
After you’ve sent your items to us, they’re reviewed by a Pesto team member. Our review will normally be completed within 24 hours of receiving the items. Then, you’ll receive an email to accept the card, and when the card is accepted, a digital card will become available for you to use immediately via Apple Pay, Google Pay, or Samsung Pay. To access your digital card, please download our mobile app via the applicable app store.
Yes, Pesto Mastercard® is an asset-backed secured credit card. However, most secured credit cards are secured via cash deposits, where Pesto is secured by items such as fine jewelry.