General

Yes! “Cash” in your account is FDIC-insured up to $250,000. But we need to remind you that Earnin is a financial technology company, not a bank. Our banking services are provided by our partner, Evolve Bank & Trust, Member FDIC.
Not yet. However we're always looking for ways to make this possible, so please check back with us in the future.
Thank for wanting to support Earnin! It is not possible to tip on Earnin Card. The best way to show your support for the Earnin community is by continuing to use Earnin’s products and services. 
You can use your Earnin Visa card anywhere in the world where a Visa card is accepted! Just remember that you will not be able to access the Earnin app outside of the US, so if you need to check your card information, make sure to do it before yo...
Your card will work anywhere Visa is accepted. While traveling outside of the US, the Earnin app will not be available, but you will receive emails for any transactions you complete on your card. 
We give you a clear view into what you’ll be earning, so you can spend with confidence. What you can spend on the card right now is calculated by adding the credit available from your Secured Account plus the credit available from your earnings. ...
Your Earnin Card is a Visa Contactless Credit Card There are no fees and no interest charges on your card, and your statement balance must be paid back in full by the due date.
Your Earnin Card is a Visa charge card. Unlike a traditional credit card, charge cards have no interest and your balance must be paid back every month by the due date. Just think of it as a more responsible way to spend.
There are several Terms and Conditions related to the Earnin Card: Cardholder and Security Agreement Autopay Terms and Conditions (optional) Preauthorized Electronic Funds Transfer Agreement Electronic Communications Consent Evolve Privacy Polic...
See how much of your next paycheck you've tapped into. This includes any earnings you've transferred to a linked bank and any earnings you've spent on Earnin Card. It doesn’t include transfers or card spend from deposited cash.
Your Earnin Card works with a Secured Account to make sure your card can always be paid off. Any time you use your Earnin Card, that amount is removed from your “available” in the app. It is set aside to prevent overspending beyond what you can p...
Your auto-transfer could be lower than what you set up in paycheck router in a few different scenarios:  Your paycheck came in lower than expected (most common) You had insufficient funds remaining after Earnin deducted your earnings accessed du...
Nope, you won’t tip with Earnin Card. The only time we’ll ask for tips is when you transfer earnings to your linked bank account.
When you sign up for Earnin Card, we don’t run a credit check. And it won’t impact your credit score.    However, we’re hard at work to deliver a credit card that can help build your credit as you access and pay off your earnings.