The Earnest Card: A Digital Credit Card With Elevated Cash Back Rewards

The Earnest Card is a credit card designed to give you maximum cash back where you spend the most and give you the power to put your cash back towards any student loan or redeem it as a statement credit.

Earn 3% cash back on the category you spend the most on, 2% on the next category down your spend list, and 1% cash back on everything else.

It only takes a few minutes to apply for the Earnest Card. Pending approval, you can use the card right away. Master your finances on the Earnest Card app, which shows you every detail of every transaction, including tips. Download and apply in just a few minutes.

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Earn Up To 3% in Cash Back Rewards1
Ultimate custom card with real-world rewards. Earn 3% cash back on the category you spend the most on every billing cycle. Keep the cash back coming and earn 2% on the next category down your spend list. Check these categories in the app. Earn 1% unlimited cash back on everything else.

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Apply in Minutes. Shop in Seconds.
Apply on your phone and find out in minutes if you’re approved. Don’t wait for your card to arrive in the mail. Connect to Apple Pay and start using your new card within minutes of approval.

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Master Your Budget With Visuals
Not a finance expert? No problem. The Earnest Card can help you make sense of your spending with handy graphics to help you understand your spending habits. See your transactions broken down into visual categories.

If you’re wondering whether you’re spending too much on takeout or dinners at your favorite restaurant, the Earnest Card makes it easy to get your answer. See a logo, the picture, and map of each merchant, Find out how much you’ve been spending and get a full history of your transactions with a specific business.

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Put Payments on Autopilot
Set up autopay and don’t worry about late fees or additional interest charges. Turn the payment dial and see exactly how much you need to pay for the minimum payment or pay more to pay down the full balance faster. Get an alert before the payment is due.


1Cash Back Program: You will earn 3% cash back for purchases made within your highest spend category each month and 2% cash back for purchases made within your second highest spend category each month, on the first $500 of combined net purchases for these two bonus cash back categories made each billing cycle. All other purchases within each billing cycle will earn unlimited 1% Base Cash Back. 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. Spend categories are determined based on MasterCard Merchant Category Codes (“MCC”s), which are assigned based on the merchant’s primary lines of business. See the Earnest Card Cash Back Rewards Program Terms and Conditions Agreement for more details

The Earnest Card is powered by Deserve. Deserve is a trademark of Deserve, Inc. All Deserve credit cards are issued by Celtic Bank, a Utah-chartered Industrial Bank, Member FDIC.