EarnIn Card
The EarnIn Card is a partially secured Visa charge card that lets you spend your pay as you earn it, up to $1,500 per pay period, and it reports to all three credit bureaus. There is no credit check, no security deposit and no interest. It costs $2.99 a month with AutoPay and needs at least $1,000 a month in direct deposits.
No Firstcard offer · free sign-up
No Firstcard offer · free sign-up
- Minimum deposit
- $0
- Fees
- See monthly fee + Varies
- APR
- None
- Credit check
- None
- Reports to
- All 3 bureaus
- Unsecured upgrade
- —
The details
- Minimum deposit
- $0. Your pay funds the card
- Annual fee
- See monthly fee
- Monthly fee
- $2.99 a month with AutoPay, $12.99 a month without
- APR
- None
- Credit check
- None
- Reports to
- Equifax, Experian and TransUnion
- Credit limit
- Up to $1,500 per pay period, based on your earnings
- Deposit
- Funded from your pay
- Direct deposit
- $1,000 a month ($500 every two weeks or $250 a week)
- Bank account required
- Yes
Facts come from the issuer's own terms, checked October 28, 2026. Confirm them on the issuer's site before you apply.
Pros & cons
Pros
- No credit check, no security deposit and no interest on purchases.
- Spend your pay as you earn it, up to $1,500 per pay period.
- Reports to all three credit bureaus.
Cons
- You need at least $1,000 a month in direct deposits ($500 every two weeks or $250 a week) to keep the card active.
- It costs $2.99 a month with AutoPay, or $12.99 a month plus a one-time $5 fee if you pay manually.
- ATM withdrawals are capped at $300 a day.
Compare EarnIn Card to other secured cards
EarnIn Card
—- Min. deposit
- $0
- Fees
- See monthly fee + Varies
- APR
- None
- Min. deposit
- Varies
- Fees
- $0
- APR
- None
- Min. deposit
- $200
- Fees
- $35
- APR
- 23.89% variable
- Min. deposit
- $100
- Fees
- $0 first year, then $25
- APR
- 27.74% variable
After this card, similar cards from the same list are picked automatically: cards from Firstcard partners first, then the rest, each group by Firstcard editors' rating. That order may reflect partner compensation, as how we rate explains. It never changes a rating. The full list shows them all. Clicks are Firstcard members sent to each card in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- Pay in full every month. Interest only starts when you carry a balance. Pay the statement in full and the APR never touches you.
- Keep the balance low. Credit use is a big part of your score. Try to stay under 30% of your limit, and lower is better.
- Turn on autopay. One missed payment can mean a late fee and a mark on your report. Autopay for at least the minimum removes that risk.
How credit use affects your score: myFICO on amounts owed.
How Firstcard works
Firstcard exists to make finance simple and accessible, so anyone can choose the right financial product with confidence. That means showing every fee and every catch upfront, and holding ourselves to the same standard. Here is how Firstcard works, and how we make money.
How we rate. Our editors' rating for a secured card weighs four things. What does it cost in the first year, with every fee and the APR? What limit do you actually get? What do you need to qualify? And how does it help you build credit? Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
How we make money. Firstcard may earn a commission when you click a link on this page, get approved, or open an account. That is what keeps our comparisons free to use. See how we make money and our current partners.
Ratings versus placement. Star ratings, member reviews, and our cost math are never influenced by money, and no partner sees a review before it publishes. Where a product appears is a separate question: featured spots and default ordering can reflect partner compensation and what members click and choose. That is why the rating and the real numbers travel with every product, wherever it sits. See our Advertiser Disclosure and Editorial Guidelines.
Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
