Maximum Flexibility

Turn Everyday Spending Into Extraordinary Rewards.

Why settle for just one type of reward? Earn premium points on all your purchases and redeem them however you want—for gift cards, statement credits, travel, or even paying at checkout.

3x
3x Points on Online Shopping & Streaming Earn massive multipliers on your most frequent digital purchases. Get 3x points on all online retail and eligible subscription services.
2x
2x Points on Groceries & Dining Fuel your rewards. Earn double points at supermarkets, restaurants, and food delivery services nationwide.
50,000 Point Sign-Up Bonus Get a head start. Earn 50,000 bonus points (a $500 value) after you spend $1,500 on purchases in the first 3 months from account opening.

Check Pre-Approval

Checking your eligibility takes less than 60 seconds and will NOT impact your credit score.

Bank-level AES-256 secure encryption.
Interactive Tool

Rewards Maximizer

Input your average monthly spending below to see exactly how many points you could be racking up every year, and what they translate to in real value.

$

Earns 3x Points

$

Earns 3x Points

$

Earns 2x Points

$

Earns 1x Points

Your Projected First-Year Value

Total Annual Points Earned
99,200
≈ $992 Redemption Value
Gift Cards
$992
Pay at Checkout
$793

Pro Tip: Your points never expire as long as your account remains open. You can redeem them at a 1:1 ratio (1 cent per point) for gift cards and statement credits, or use them directly at Amazon and PayPal checkouts.

Total Rewards Freedom.

We eliminated complicated redemption portals and restrictive categories. Earning and using your points should be effortless.

Frictionless Redemption

Pay With Points at Checkout.

Link your card to Amazon or PayPal. When you check out, you can instantly apply your points balance to pay for all or part of your purchase—no waiting for statement credits.

Points Never Expire

Don't rush to redeem. Your points balance will remain intact indefinitely as long as your account is open and in good standing.

No Rotating Categories

Stop tracking calendars to see what earns rewards. Your 3x and 2x multipliers are locked in permanently year-round.

0% Intro APR on Purchases & Transfers

Enjoy 0% Intro APR for 15 months on new purchases and balance transfers, giving you time to pay off big expenses interest-free.

Rewards Card vs. Debit Card

If you pay off your balance in full every month, using a debit card means you are leaving hundreds of dollars in free value on the table every year.

Feature Our Rewards Card Standard Debit Card
Points on Purchases Up to 3x Points 0 Points
Sign-Up Bonus 50,000 Points ($500 Value) None
Fraud Protection $0 Liability (Bank's money) Your bank account is drained
Builds Credit Score? Yes No

Rewards FAQs

For maximum transparency, our points have a baseline value of 1 cent each when redeemed for statement credits, gift cards, or travel through our portal. Therefore, 10,000 points equals exactly $100. If you use them at checkout with partners like Amazon, the value may fluctuate slightly depending on partner offers (typically 0.8 cents per point).
No! There are absolutely no earning caps. Whether you spend $500 a month or $5,000 a month, you will continue to earn the full 3x and 2x multipliers in the respective categories without any limitations or cutoffs.
It's simple. Once you are approved, just use your new card for your normal, everyday purchases. Once you spend a total of $1,500 within the first 3 months (90 days) of opening the account, the 50,000 bonus points will automatically post to your rewards balance on your next statement.
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