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Cheese vs Kikoff

Cheese is a simple credit builder with minimal fees and charges. How does it compare to Kikoff? Read our comparison chart below.

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Read Cheese Review

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Read Kikoff Review


Benefits and Features

Credit Building Tools
Credit Builder Loan
  • Credit Account
  • Credit Builder Loan
  • Kikoff Secured Credit Card
  • Rent Reporting
Credit Bureaus Reporting
3 Main Credit Bureaus
  • Credit Account: Equifax and Experian
  • Credit Builder Loan: TransUnion and Equifax
  • Credit Card: 3 Main Credit Bureaus
  • Rent Reporting: Equifax
  • Credit Account: $5/month Credit Service Fee
  • Rent Reporting: Free
Monthly Loan Payment
Starts at $24/month
Loan Term
12 - 24 months
12 months
5% - 16% (varies by state)
Mobile App

CreditDonkey® Reviews

Credit Building ToolsStarStarStarStarStarStarStarStarStarStar
Credit Bureaus ReportingStarStarStarStarStarStarStarStarEmpty StarEmpty Star
FeesStarStarStarStarEmpty StarStarStarStarStarHalf Star
Mobile AppStarStarStarStarStarStarStarStarStarStar
Pros & ConsPros:
  • Reports to 3 credit bureaus
  • 12/24 months term
  • Get your money back
  • VantageScore only
  • Not available in all states
  • Inexpensive way to build credit
  • Cancel anytime
  • No lock-in period
  • Does not report to TransUnion
  • Kikoff Store items may not be valuable
Bottom LineSimple credit builder with minimal fees and charges... Read full reviewLow-cost credit builder that packs in extra features for credit building... Read full review
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Credit Building Made Easy

  • No credit pull required
  • With 0% interest
  • Open your account in minutes

Which is Better: Cheese or Kikoff?

Still need help deciding which credit is better? Read the in-depth reviews below. You may also be interested in comparing Cheese or Kovo.

In short: Cheese's credit bureaus reporting is outstanding.

Articles on Cheese

Cheese Credit Builder

Cheese lets you build credit and savings at the same time. It's also one of the most affordable credit builders, but what's the catch? Read on to find out.

Articles on Kikoff

Kikoff Review

Kikoff offers an affordable credit line, which can help you build your credit. But what's the catch? Read on to find out.

Which Do You Think is Best?

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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

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