Real Cash Rewards: Reward It

How Reward It Works

As soon as you sign up for ExtraCredit, we’ll send you a Reward It debit card preloaded with a $5 reward just for signing up. That’s $5 you can use on anything you want. Every ExtraCredit member also gets access to exclusive offers from our partners. 

We’ll analyze your credit and send you offers appropriate for your credit type. You choose which ones you want to apply for and, if you qualify, you’ll get another cash reward loaded to your Reward It debit card. Each cashback reward ranges from $1 to $2,500, depending on the offer you choose! 

Our Reward It debit card has no annual fee, and you can claim multiple rewards, depending on what works best for you. Plus, you can use it anywhere debit cards are accepted.

Ready to get a handle on your credit? It can be difficult to manage alone. We’ve got you covered with some of the best tools on the market. Here are some of the products that you’ll have access to as an ExtraCredit member:

• Loans
• Credit Cards
• Investing
• Online Banking
• Debt Management
• Credit Builder Loans
• Savings

Not all offers are available to every ExtraCredit member, and rewards are subject to change. Rewards are paid after approval, not application.

Loans

You probably have a lot of goals in life. Unfortunately, some of those goals probably require money—money that you might not have. Luckily, with ExtraCredit, you’ll have access to some great loan offers that can help you reach your goals. Because when you’re looking for a loan, every little bit helps. Here are a few offers you’ll have access to: 

• OppLoans: Get a flexible installment loan up to $4,000 from OppLoans with interest capped at 199%—and a $165 Reward It reward if you’re approved. Read our review >>
• Axos: Axos offers personal loans from $5,000 to $35,000 and qualified applicants can get a $120 cashback reward from Reward It after approval.
• Merrick Bank Personal Loans: Less-than-perfect credit? Merrick Bank offers loans from $2,500 to $12,500 with competitive rates for individuals with poor credit. And since you’re making smart decisions, ExtraCredit offers a $63 reward after approval.
• Upgrade Personal Loan: Upgrade offers a quick online application for a loan with a fixed rate that fits your budget and timeline, and a $31 reward from Reward It if you’re approved.

Credit Cards

You probably already know this, but there are so many credit cards out there. Which makes sense—we all have different credit scores and financial needs. No matter your credit score, we’ve got a credit card for you. So if you’re in the market for a new credit card, try one of these that offer cashback rewards through Reward It:

• OpenSky: OpenSky reports to all three credit bureaus and helps 99% of their customers earn a credit score record with the bureaus in as little as six months. Get a $30 reward for a successful application through ExtraCredit. Learn more >>
• Jasper Cash Back Mastercard: This rewards credit card will start you off with a 1% cash back reward on almost all everyday purchases—plus the $60 cashback reward you’ll get from ExtraCredit.
• Avant Credit Card: This is a great starter card for anyone with a less-than-ideal credit score, or no credit score at all. You’ll get a $21 reward when you’re approved for this card. Learn more >>
• Deserve EDU: After you spend $500 in the first three billing cycles, you’ll receive one year of Amazon Prime Student. Plus, you’ll earn 1% cash back on all purchases. Earn a $21 reward when you successfully apply.  
• Merrick Bank Secured Visa: Deposits for this card can range between $200 to $3,000. Plus, after nine months, your account will get reviewed for a potential credit line increase. Receive a $16 reward when you qualify for this card. Learn more >>
• Upgrade Triple Cash Rewards Visa: Get an $84 cashback reward when you are approved for the Upgrade Triple Cash Rewards Visa through ExtraCredit. The card offers unlimited 3% cashback on home, auto, and health categories and $0 fees.

Investing

Interested in investing? Investing can feel like a great move for your future, but if you don’t know where to start, it can be intimidating. But there’s good news: our partners that offer investing tools take out all the guesswork so you can finally start on your investing goals. 

• Acorns: Get a $48 cashback reward when you’re approved for an Acorns account that helps you invest spare change in a diversified portfolio designed by experts. Read our complete review >>
• Robinhood: Commission-free investing that gives you more ways to make your money work harder for you—plus a $3 reward from Reward It.
• Stash: Invest in your choice of thousands of stocks and funds and get a $3 cash reward from Reward It.

Debt Management

It can be easy to feel like you’re overwhelmed by your debt, no matter how much debt you have. Worried to take on all that debt by yourself? We’ve got some good news—our partners offer some great debt management tools so you don’t have to do it all on your own. 

• Tally: Tackle credit card debt with a debt management app that makes it easy to save and manage your credit cards. Get a $24 reward when you successfully apply! Read our review >>
• Billshark: Submit your monthly bills and Billshark takes care of the rest to save you money on your bills. Billshark either saves you money, or there’s no cost to the service. Plus you get a $9 reward from Reward It. 
• EarnUp: EarnUp’s platform intelligently automates loan payment scheduling, reserving portions of your loan payments throughout the month to make sure your bills are paid in full when they are due. You can earn a $15 reward when you qualify for this offer. 

Online Banking

Who has time to go to the bank nowadays? If you’re always on the go, online banking offers additional flexibility and rewards. All you need to do is manage your accounts with a few taps on your phone.  

• Aspiration: Aspiration is a socially conscious online bank to fit your lifestyle. Get up to 10% cash back at mission-focused merchants from a bank that doesn’t fund fossil fuel projects—and donates 10% of profits to charity. Apply through ExtraCredit and get a $36 cashback reward.
• Chime: Chime is a mobile and online banking account with an award-winning mobile app that allows you to manage your banking on the go. ExtraCredit offers a $6 cashback reward to approved applicants. Read our review >>

Credit-Building Accounts

When you have a low credit score or a thin credit file, you can use all the help you can get. But it feels like a lot of lenders won’t take a chance on you, right? That’s where credit-building accounts can come in handy. And we’ve got some great partners who can help you get what you need. 

• Self: A Credit Builder Account from Self helps you build credit for any stage of your financial journey. In addition to the credit profile and savings that Self helps you build, Reward It offers a $12 cashback reward. Read our review >>

• Credit Strong: Build your credit while you grow your savings. Open a Credit Strong account and make small monthly payments on your credit-building loan. At the end of the term, your savings are unlocked and you’ve built credit and savings for yourself—plus a $7 reward from Reward It. Read our review >>

Savings

Saving is an important part of financial security. And you can never start too early. No matter how much you want to save, what’s even better than saving for your future? Getting a cash bonus for opening a savings account.

• Axos: Sign up for a high-yield savings account with Axos and get six times the national average APY—and a $90 cash reward from ExtraCredit.

Other

Being smart with your finances means more than just budgeting apps. It means buying smart and protecting what matters.

• HomeLight: ExtraCredit members can earn up to $2,500 cash back by finding your perfect real estate agent using HomeLight. Read our full review >>
• Vivint: Get a $300 reward from ExtraCredit, plus free professional installation of your security system and up to 60 months of interest-free financing on approved credit!
• Metromile: Apply for Metromile and save an average of $741 per year on your car insurance—plus a $15 cashback reward from Reward It.