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Build your credit
without breaking the bank.

No cash deposit or credit score required.

Pesto Mastercard® is the first secured credit card that can be secured with items such as gold, diamonds, or fine jewelry. By sending in eligible items as collateral, you can get the Pesto Mastercard® with no cash deposit.

As Seen In

How Pesto Mastercard® Works



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

Why You’ll Love Pesto

Available for All Credit Profiles

No Cash Deposit

Build Your Credit Faster

Easy to Apply

How Pesto Differs From
Cash 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.

How does a Pesto Mastercard® credit line compare to what a cash secured credit card would offer?

Your credit line for a cash secured card would be equal to your deposit amount. If you deposit $500 in cash, you would be issued a $500 secured credit card. Cash secured credit cards however, often have maximum credit lines of $10,000 or less2, which is 2.5x smaller than the credit line you could get from Pesto Mastercard®. To calculate your estimated credit line, use our calculator.