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How does EarnIn Card work?

What is EarnIn Card?

EarnIn Card allows you to access your cash and earnings immediately with a Visa contactless card.

Unlike transfers to your linked bank account, EarnIn Card is not subject to a $150 daily transfer limit from earnings. You can spend up to $1500 per day on your card, or take a cash advance of up to $300 from any ATM that accepts Visa (third-party ATM fees may apply). See our Cardholder Agreement and Security Agreement.

 

How does EarnIn Card work?

EarnIn Card allows you to access your earnings and spend immediately with a Visa contactless card. Your statement balance must be paid back in full by the due date.

Unlike transfers to your linked account, EarnIn Card is not subject to a $150 daily transfer limit from earnings. You can spend up to $1500 per day on your Card, or take a no fee cash advance of up to $300 per day from an ATM.

  • Daily Spent Limit - This is the maximum amount you can spend on any given day from what you have available in app. This includes any purchases and ATM cash advances.
  • ATM cash advance daily limit - There’s no limit to the number of ATM cash advances you can make daily. But there are limits to the amount of money you can withdraw per day. 

With EarnIn Card, the amount listed as Available is the amount you can spend on the Card.  It represents available cash in your account and your issued earnings. 

How does EarnIn Card help avoid overspending?

EarnIn Card provides a clear view into your earnings and spend. 

The amount you can spend (“Available”) = available credit in your secured account + your available earnings.

  • Available credit in your reserved fundst: The cash in this account minus any card spend or pending card transactions. 
  • Available earnings: EarnIn’s estimate of your future earnings—minus any card spend, pending card transactions, and transfers to an external account.

 

Are there any card fees?

There are currently no fees or interest related to EarnIn Card usage. 

Before signing up for EarnIn Card, you’ll route a qualifying direct deposit through an EarnIn deposit account. 

There’s a flat fee of $3.99 to route your qualifying direct deposit with Lighting Speed, you can also opt for the standard speed (1-2 business days) for free. 

 

Do I qualify for an EarnIn Card?

EarnIn Card is designed for anyone earning a paycheck, but we do have a few additional requirements. You’ll need to be 18 or over and live permanently in the US to qualify. Also, you’ll need to set up a Deposit Account and send a qualifying direct deposit of at least $500 every two weeks. 

 

How do I sign up? 

Once we get your first qualifying direct deposit, you’ll be eligible to sign up for EarnIn Card! 

From there, just agree to the EarnIn Card terms and conditions and turn on optional autopay for effortless on-time payments. 

Learn more here: What is Early Pay and how does it work?

 

When will I receive my EarnIn Card?

Your EarnIn Card will be shipped as soon as you complete the signup process.

Your card should arrive 7-10 business days after shipping. If there’s a delay, please contact support. Keep in mind, The name field on your card is limited to 21 characters. If your full name is longer than 21 characters, we may use initials for your first and middle name on your card.

 

Can I add my EarnIn Card to a Digital Wallet?

Yes! Find the plus sign (+) in Apple Pay and Google Pay to add EarnIn Card to your digital wallet. Visit their help center for step-by-step instructions. 

Once added, the billing address stored in your digital wallet must match your EarnIn Card billing address. Follow the steps below to confirm:

Apple Pay

  1. Select EarnIn card
  2. Click on the menu (three dots)
  3. Scroll toward the bottom of the screen to find: Billing Address. Confirm the address matches your EarnIn Card billing address.

Google Wallet

  1. Find your EarnIn card
  2. Click Edit to update your billing address information. The billing address in your Google Pay must match the billing address of your EarnIn Card.
  3. Click Update

How do I activate my EarnIn Card?

You can activate your card in two easy steps!

  1. In the app's home screen, tap Activate
  2. Enter the last 4-digits of your card number and you're ready to spend

What are the EarnIn Card Agreements and Terms and Conditions?

You will need to review and agree to Terms and Conditions before signing up for the EarnIn Card.

Once you have opened your EarnIn Card, you can find the Terms and Conditions in the app:

  1. From your homescreen, tap Settings (icon with three horizontal lines in bottom navigation bar) 
  2. In the Card Settings menu screen, scroll down and select Legal