EarnedCard is a true MasterCard credit card. Unlike a debit card, even though purchases made using the EarnedCard are charged to your credit card account on the day of the purchase, the total amount of these purchases are not deducted from your bank deposit account until your payday. EarnedCard allows you to spend money (Available to Spend) based on the amount of time you worked, but before you receive it on payday.
More importantly, since EarnedCard is a true credit card, by using it you have the opportunity to build a good credit history and improve your credit score. A better credit score (i.e. FICO) helps you pay lower interest rates on a car or home, and allows you to qualify for loans otherwise unavailable to you.