The Crew Credit Card
Finally, a card built for budgeting
The Crew Card2 can sync with your budget, discourage overspending, and give you up to 4% annual cash back on the money you save in your Crew account.3
It's only your money if you keep it
- Up to 4%
- Earn up to 4% annual cash back on your average deposits with daily autopay5
- 0% APR
- We have a hunch you'll pay in full and there's no interest on the balance
- $0
- No annual fee, no interest rate, and no currency conversion fees6
A credit card you can use like a debit card
What makes the Crew Card different?
The Crew Card is uniquely tied to our mission to help millions of people succeed financially. Credit cards are great for rewards and convenience, but when they aren't used responsibly the costs can outweigh the benefits.
We designed the Crew Card to maximize the things that make credit cards great and minimize all the downfalls.
Crew Card Features
- Spend directly from your budget
- Link your card to the pocket you want to spend from
- Automatically earmarks transaction amounts
- Encourages saving, not just spending
- Use virtual cards for greater control
- Turn on daily automated payoffs
- Pay in full by due date to keep credit available
- Pay no annual fees, interest, or finance charges
How it works
Never lose track of your credit spending
Crew lets you organize your finances around the things you'd like to track, creating pockets for things like gas, groceries, or travel. With the Crew Card, money can be earmarked as you spend it — the app reserves the amount you'll need to pay from the pockets you choose.
No more waiting days for transactions to sync, holding the numbers in your head all month, or losing track of individual purchases in one big credit card bill.
The Crew Card makes it easy to only spend what you intend.
Crew rewards you for the money that you save, not just what you spend.
Receive 4% annual cash back on your Crew deposits when daily autopay is enabled.5 Cash back is paid each month on up to 4x your eligible monthly spend in deposits — on top of the current high-yield interest rate in your Crew checking account.3
For example, if you spend $2,500 per month on your Crew Card and have an average of $10,000 deposited each month, you'd receive $400 in cash back.
We designed the Crew Card to help you avoid long-term debt. You can automatically settle up at the end of each day or choose to settle up at the end of the month.
There is no annual fee and we don't charge interest on the money you owe.6
Crew Card FAQ
Handle with confidence
You can't control what you don't understand. We encourage you to get into the details.
While the Crew Credit Card has no annual fee, no interest rate, and no finance charges, users who don't pay their full balance within 25 days of receiving their statement will receive a late fee.
The late fee is up to $30 for the first month, and the greater of $40 or 2% if your payment is late in two or more consecutive billing cycles. The late fee will not exceed the total balance owed. (See the Credit Card Agreement for full details.)
There are no other fees associated with the card.
While many credit cards only base rewards on spending, we wanted to encourage that healthy balance.
We aren't opposed to spending money — we understand people need to pay to do things like be alive — but we think spending should be responsibly balanced with saving.
That's why we reward you on up to 4x the monthly amount you spend on the Crew Card with 4% annual cash back on the money you keep in Crew — on top of the current Crew interest rate — when you have autopilot enabled.
If you have less than 4x your monthly Crew Card spending deposited in Crew, or if you disable autopay, your cash back will be less than the 4% annually.
We've built Crew to be the ideal spending card, not a way to finance purchases long-term, so we require users to pay off the full balance.
We believe this makes extending credit less risky, and we are able to earn enough money from the normal interchange fees the merchant pays whenever you pay by credit card.
We perform a soft credit pull when you apply for the Crew Card, which doesn't impact your credit. Not paying your card balance in accordance with the Credit Card Agreement may impact your credit.
Yes, we require at least a minimum 600 Vantage 4.0 credit score to be approved for the Crew Card.
Yes, when legal guardians add their children to Crew they can become authorized users on the Crew account. You can control their usage within the Crew app.
This is to prevent people from doing things like transferring over $150,000, charging one dollar to the Crew Card, then getting an extra $500 back at the end of the month on top of the high-yield interest.3