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Score App Review: The Dating App That Requires Good Credit
July 1, 2025
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Would you swipe right on someone with bad credit? A new app is making that question part of the dating process.
A new dating app called Score, launched by financial platform Neon Money Club, is turning heads and raising eyebrows. To join, you need a credit score of at least 675. No exceptions.
Here's everything you need to know about the app, why it exists, and what it says about the growing link between financial health and relationships.
What Is the Score Dating App?
Score is a members-only dating app built for people with good to excellent credit. Launched just in time for Valentine's Day 2024, it was created by Neon Money Club, a fintech company and creative studio founded in 2021.
The premise is simple: finances matter in relationships, so why not start the conversation there?
"Before you can educate people, you need to get their attention," said Luke Bailey, co-founder and CEO of Neon Money Club. "With Score, we're bringing the conversation to dating."
How Does Score Work?
Getting access to Score isn't as simple as downloading it from the App Store. Here's the process:
- Apply for access — The app is available for a limited time (approximately 90 days) and requires an application.
- Soft credit check — Neon Money Club runs a soft pull that won't impact your credit score.
- Minimum score of 675 — Applicants need good to excellent credit to qualify.
- No score displayed — Your actual score is never shown on your profile, so you won't know whether you're matching with a 700 or an 800.
- Swipe as usual — Once approved, it works like any other dating app.
Importantly, users are not matched based on credit tiers. A person with a 700 can match with someone who has an 800. The 675 threshold is simply the entry point.
Why Credit Score? The Link Between Finances and Relationships
The concept might seem unusual, but the data backs up the idea that money and relationships are deeply intertwined.
According to CNBC, most U.S. adults consider debt a legitimate reason for divorce, and financial issues consistently rank among the leading causes of relationship breakdown in this country.
Neon Money Club designed Score to spark financial conversations in spaces where they don't typically happen, like dating. The app was conceived at AfroTech 2023, when the team asked party attendees a single question: "What should the minimum credit score be for someone you're dating?"
That question became Score.
Who Gets Rejected and What Happens Next?
The 675 minimum is going to exclude some people. The average U.S. credit score is 716, but scores vary significantly by demographic. Black and Hispanic Americans are statistically more likely to have scores below 640, which has led to some criticism that the app risks reinforcing financial inequality.
Bailey pushes back on this framing, arguing that good credit is aspirational rather than classist, and points out that high income doesn't always mean high credit.
For those who don't qualify, Neon Money Club doesn't just turn them away. Rejected applicants are sent to financial literacy resources and connected with credit-builder platform Grow Credit to help improve their scores, with the intent of eventually qualifying for Neon Money Club's products.
About Neon Money Club
Neon Money Club is a fintech creative studio founded in 2021 with a focus on financial literacy. The company made history as the first Black-owned tech business to launch a credit card in partnership with American Express, offering a card that lets users convert credit card points into stock market investments.
The company has raised more than $10 million in venture capital to date.
How Kudos Can Help You Build Credit and Maximize Rewards
Whether or not Score becomes a mainstream dating app, it's doing something few fintech products manage: making credit scores a topic of everyday conversation. And if this article has you thinking about your own credit health, Kudos is a great place to start.
Here's how Kudos can help:
Monitor your credit score. Kudos members can track their credit score directly in the app, so you always know where you stand and can spot changes early.
Find the right card for your credit profile. Not sure which credit card fits your current score? Kudos matches you with cards based on your credit profile and spending habits, so you're applying for cards you're likely to get approved for, not ones that will result in a hard inquiry with no reward.
Maximize every purchase. Once you have the right card, Kudos automatically identifies which card in your wallet earns the most rewards for every purchase you make, whether that's groceries, travel, or everyday spending. Over time, smart card usage contributes to a healthier credit profile through consistent, on-time payments and lower utilization.
Earn rewards while you build. Kudos Boost lets members earn extra rewards at hundreds of partner merchants, putting more value back in your pocket while you work toward your financial goals.
Think of Kudos as the financial co-pilot that helps you get to 675 and beyond.
Unlock your extra benefits when you become a Kudos member
Turn your online shopping into even more rewards
Join over 400,000 members simplifying their finances
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
