Apply for the Pesto Secured Rewards Mastercard® and get 1% cash back today

No Minimum Credit Score.

✅ 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.

As Seen In

How Pesto Mastercard® Works With Items



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.


Send Your Items

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.


Accept Offer

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.

Eligible Items

Fine Jewelry

Diamonds & Gemstones

Luxury Watches

Precious Metals


Mobile App card Management
live support
ITIN Accepted
Flexible Borrowing Time
Insured Shipping and Deposits

How Pesto Differs From Other Secured Cards


How long will it take to receive my Pesto Mastercard® once I’ve accepted the card?

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.

Is Pesto Mastercard® a secured credit card?

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.