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Get your pay up to 2 days early with ASAP Direct Deposit™

Credit Recommended:

All Credit Types Considered

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    CARD TYPE: Prepaid

    Prepaid card is a card that you load with money first and then use to make purchases or pay fees.

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    WHO CAN GET IT: Consumer

    These credit cards are for the average consumer who needs a credit card for personal use.

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    Using this card you will be able to earn cash back on all your purchases or on purchases in specific shopping categories.

  • Get your pay up to 2 days early with ASAP Direct Deposit™
  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Earn over 10x the national savings rate average High-yield savings account, 1% APY paid quarterly on savings up to $5,000**
    Instant Response:
    Credit Check:
    Direct Deposit:
  • FEES
    Activation Fee:
    Monthly Fee:
    No monthly fees with eligible direct deposit, otherwise $5 per month
    Domestic ATM Withdrawal Fee:
    $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
    Daily Deposit Limit:
    See terms
    Daily Cash Withdrawal Limit:
    See terms
    Maximum Card Balance:
    See terms
    Overdraft Available:
    Overdraft Fee:
    See terms
    Maximum Overdraft Limit:
    See terms

Questions & Answers about the card:

I have limited credit history and want to get a credit card with cash back. Is it possible or I should increase my credit score first?

You can get a rewards credit card even with limited credit. However, be ready that rewards will be low and the card will have a bit higher interest rates and fees. Big rewards and low fees are usually offered to people with good and excellent credit history. So, if you are sure your new credit card with rewards will allow you to earn enough rewards to cover at least an annual fee, then it may be worth having such card. Otherwise, we would recommend you to apply for a cheaper credit card, the one without an annual fee and with lower interest rates.

I want a cash back credit card that will also allow me to build my credit further. I’ve just started building credit and want to build it fast. Is it possible to get such card?

First of all, credit building is not a fast process. However, you can give a boost to your credit score when you use credit cards regularly and make all monthly due payments with all your creditors on time. As for a credit card with cash back, since you’ve just started building your credit, you can choose from the cards designed for people with limited credit. The cards can offer cash back rewards on all your purchases or on purchases in specific shopping categories. Make sure you are aware of the fees and interest rates before you apply for a credit card. Credit cards for limited credit often come with fees when they have a rewards program.

How do cash back credit cards work?

Cash back rewards credit cards are simple and easy to manage. They typically offer flat percentage rate rebated back to a cardholder in the form of a check or deposit at the end of a billing cycle. The typical percentage rate on a cash back credit card is 1% cash back. However, some credit card issuers offer more cash back or opportunities to get back more on particular purchases. When issuers calculate cash back rewards, they simply apply the rate to all eligible spendings of a given period.

* Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.
** 1% Annual Percentage Yield (APY) paid quarterly on savings, of up to a $5,000 balance. APY as of March 2021, and may change anytime. National savings average based on FDIC-published rates as of 4/1/21 on the $2,500 product tier of insured depository institutions for which data is available.