Marcus by Goldman Sachs vs Self Credit Builder
Complete comparison to help you choose the right app
M
Marcus by Goldman Sachs
Free
S
Self Credit Builder
$25-150/month
Quick Summary
Choose Marcus by Goldman Sachs if you want:
- High APY
- Goldman Sachs backing
- No fees or minimums
Choose Self Credit Builder if you want:
- Builds credit and savings
- No credit check
- Reports to bureaus
Feature Comparison
| Feature | Marcus by Goldman Sachs | Self Credit Builder |
|---|---|---|
| Rating | 4.5/5 (65.0K reviews) | 4.5/5 (165.0K reviews) |
| Pricing | Free | $25-150/month |
| Platforms | iOS, Android, Web | iOS, Android, Web |
| Best For | saving money, high earners | beginners, debt free |
| Founded | 2016 | 2015 |
Features Overview
Marcus by Goldman Sachs Features
- High-yield savings
- No fees
- No minimum
- CDs
- Personal loans
- Easy transfers
- FDIC insured
Self Credit Builder Features
- Credit-builder loans
- Secured credit card
- Credit monitoring
- Reports to bureaus
- Save while building
- Progress tracking
- Financial education
Pros & Cons
Marcus by Goldman Sachs
Pros
- High APY
- Goldman Sachs backing
- No fees or minimums
- Easy to use
- Secure
Cons
- Limited features
- No checking account
- No ATM access
Self Credit Builder
Pros
- Builds credit and savings
- No credit check
- Reports to bureaus
- Get money back
- Secured card option
Cons
- Interest charges
- Takes time
- Must complete term