Pay Yourself Now

Use your EarnedCard  to get immediate 




credit for hours worked.

How it works

  • EarnedCard  is the easiest way to pay yourself before your payday.

  • For every day you work, the available to spend limit increases on your EarnedCard.

  • You can make purchases with your EarnedCard throughout your pay period, anywhere credit cards are accepted.

  • Purchases are automatically deducted from your checking account on your payday.

  • The EarnedCard App notifies you of each purchase, and shows your available to spend limit, purchase history and payment date. 




This is a pictue of an EarnedCard credit card.
Availabel to Spend.PNG


  • The EarnedCard App has a quick enrollment process. It notifies you of each purchase and shows your available to spend limit, transaction history and next pay-date.


  • The EarnedCard can be used to make purchases anywhere credit cards are accepted.

  • With EarnedCard, there is no need to transfer funds. For every day you work, your available to spend limit increases automatically, so you never have to wait to make a purchase.

  • The EarnedCard is designed to help build a positive credit history.​

"I don't have to wait until payday to live a happy life." Miguel

Let's talk about fees.

EarnedCard charges a $7.00 monthly service for unlimited transactions. That's it; no other fees. Cheap, eh?

Compare our fees with your bank's overdraft fees. In 2017, U.S. banks charged their customers $34.3 billion in overdraft fees on 1.12 billion transactions. That's about $30 per transaction. It is more than $100 per person for every man, woman and child in the U.S. and many of them don't even have bank accounts! 

With EarnedCard, you might never pay overdraft fees again. 


EarnedCard is designed to help you build credit.

  • EarnedCard is a credit card, not a debit or prepaid card.

  • Our partner bank has its standard terms and conditions with no monthly or annual fees.

  • As part of the EarnedCard service you instruct us to debit your checking account and pay your card balance each payday.

  • So, your credit card will be paid on time each month and your good credit history will be reported to credit agencies.



For any inquiries, questions or recommendations, please fill out the form below.

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Customer Service


Phone: 720-640-2200

Our office hours are 9-5 MST, Mon-Fri.

Bank services are provided by Evolve Bank & Trust, Member FDIC, through our banking software provider, Synapse. To report a complaint relating to the bank services, email


We are always looking to add creative, motivated people to our team. Let us know who you are, what you're interested in doing and why.  Contact:


"I look forward to saving a lot of money and reducing my stress by being able to pay my bills on time. Why wasn't this a thing sooner?"  Ashley