Earnest Credit Card
Get more bang for your buck with up to 3% cash back
Download the app to apply or apply in the browser.
Get paid every time you shop
Enjoy the VIP treatment
No hidden fees
No annual fee. No foreign transaction fees.
When you spend $1000 in the first 3 billing cycles.
Exclusive offers on Lyft, HelloFresh, DoorDash and travel.
Instant. Secure. Touchless.
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Simplify your student debt payoff. Put your cash back towards any student loan or redeem for a statement credit.
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Earnest has made an incredibly positive impact...
Earnest has made an incredibly positive impact on my financial wellness, and I am forever grateful, I even recomend Earnest to my friends and family. Thank you!More TrustPilot Reviews
Get the FAQs on the Earnest Card
You will earn 3% cash back for purchases made within your highest spend category and 2% cash back for purchases made within your second-highest spend category, for up to $500 of combined purchases in the top two categories each billing cycle.
All other purchases will earn 1% Base Cash Back each billing cycle.
For purposes of calculating the monthly $500 Bonus Cash Back Cap, purchases that fall under the 3% cash back category will be prioritized over purchases that fall under the 2% cash back category for each rewards cycle. Check the Earnest Card Cash Back Rewards Program Terms and Conditions Agreement for more details.
When you are ready to redeem your cash back, you can select whether you’d like to receive a statement credit or put your cash back towards paying back a student loan. If you select a student loan, you will then be asked to add your student loan details and guided through the process. Once the process is complete, we will send a check with the cash back amount directly to your lender.
No, you must choose from either the student loan cash back or the credit card balance cash back in a given month. However, you can always make a different choice the following month (provided you have cash back points available).
No problem. You will earn cash back on every purchase, no matter what. Those points are yours to keep, and they do not expire while your Earnest Credit Card account stays open.
You can redeem your cash back as a statement credit if you do not want to put it towards a student loan.
Yes. You can use the cash back benefit towards any student loan, including federal student loans that you received through your FAFSA, and private student loans from private lenders.
It doesn’t matter if your loan is with Earnest or one of our competitors – our mission is to help you pay down your loans faster.
While you can link multiple student loans inside the Earnest Card App, you must use your cash back to pay down one student loan at a time. You can choose to focus on another loan in the following month.
Absolutely. You should keep making your regular student loan payments for the remainder of the loan term. Consider any money you put towards your student loan debt from the Earnest cash back program as a bonus.
Most student loan borrowers who have student loan debt are unlikely to earn enough cash back to cover their minimum student loan payments or even their student loan interest rate in a given month. We strongly recommend that you stay up to date with your payments and any interest charges, stick to your repayment plan, and check your account regularly to avoid any late fees for any non-Earnest loans.
The same applies to your credit card debt. Keep making your monthly credit card payments as planned.
Using the Earnest Card cash back program to make additional payments shouldn’t have any impact on your participation in financial aid programs, such as student loan forgiveness. However, you may want to check with your student loan servicer if your loans are in forbearance or deferment.
If you refinance a student loan, you will need to re-enter your loan information in the Earnest Card App. Refinancing is considered a new student loan and we need to know the information of your new student loan servicer.
Refinancing is a great way to get a lower interest rate if you believe you currently have a higher interest rate. You can learn more about refinancing your student loans with Earnest here if you have high interest rates on your student loan>>>.
If you consolidate your student debt with a new lender, you will also need to update that information in the Earnest App. A consolidated loan is considered a new loan. If you’d like to learn more about debt consolidation, you can read this NerdWallet guide to consolidation loans. You can also check the Earnest Student Loan Consolidation Calculator to see what you might pay after consolidation.
When applying for a new credit card, it is common to see a minimal decrease in your credit score. If you make on-time payments and have responsible credit utilization, your credit report will reflect that, and your score may increase with time.
You can learn more in this Credit Karma article >>>.
If you’d like to read the fine print, you can find the Terms and Conditions of the Earnest Credit Card by following this link >>>.
Here, you will find information about our credit card servicer, the credit card interest rate offered to cardholders, information about the balance transfer fee, and more.
If you would like to learn more about other credit card companies before applying for the Earnest Card, this Credit Karma article could be helpful. If you would like to learn more about personal finance, NerdWallet, CreditKarma, and the Earnest Money blog are good places to start.
Most people who have an average credit score starting at 680 have a chance at approval. However, we cannot guarantee approval based on credit score alone. If your accounts are in good standing with no late payments, that may also help you get approved.
It feels good to get rewarded
Treat yourself to up to 3% cash back you deserve with the Earnest Credit Card.
Restrictions apply. See terms and conditions for more detail. Earnest reserves the right to modify or discontinue its products or offerings at any time and without notice. Cards powered and serviced through Deserve, Inc. and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.