How It Works

Card Activator is a cheap, simple, and secure way to keep banks from closing your accounts due to inactivity. It can help passively improve your FICO score by building an on-time payment history too.

Small recurring charges help keep your credit card account open and help ensure your on-time payment history is reported each and every month to the credit bureaus. It costs less than $1/year to get started.

We do not store your credit card details. We make it quick and easy to cancel, anytime you want. It’s the simplest, easiest, most secure service we can offer.

Set it and forget it. We’ll keep your credit card active for the time period you set. And if there’s a problem, you’ll get an email alert. No matter what; you’re in control.

Why use Card Activator?

If you paid off your credit card and you don’t use it for a while, your bank will eventually close that account.

Sometimes they warn you before they do.
Sometimes they don’t … and once that account is closed, it’s usually gone for good. A few banks will reopen the card on request but charge a hefty fee for the privilege.

Why leave anything to chance? The best way to protect your credit score is to keep your credit card accounts open and in good standing. We just make that a little bit easier to manage. As the old saying goes, an ounce of prevention is worth a pound of cure.

Super Efficient

Set it and forget it.
Want to cancel? Just click here.

Low Cost

We’re not here to nickel and dime you.
Card Activator is cheap and convenient to use.

You’re in Control. Always.

You can choose the charge interval and the amount that works best for your use case.

Keith Marshall


George Williams


Julia Castillo

Client Service