# The Earnest Credit Card > Digital credit card with tiered cash back rewards and spending analytics. (iPhone/iPad app by Earnest Inc..) - Source: https://appshunter.io/ios/app/the-earnest-credit-card/id1553741823 (this page in markdown: same URL + `.md`) - Developer: [Earnest Inc.](https://appshunter.io/developer/1017394222) - Category: Finance - Price: Free - Rating: 1.90/5 from 21 App Store ratings · 11 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 219 MB - Languages: English - Released: 2021-06-02 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/the-earnest-credit-card/id1553741823/reviews.md ## What is The Earnest Credit Card? 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 what 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. ******* Earn Up To 3% in Cash Back Rewards1 Ultimate custom card with real-world rewards. Earn 3% cash back on what 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. ******* 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. ******* 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. ******* 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 a MasterCard Merchant Category Code (“MCC”), which is assigned based on the merchant’s primary line 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. ## Key features - Up to 3% cash back on top spending categories - Customizable reward categories - Detailed transaction history - Visual spending breakdowns - Instant digital card access - Autopay for payments ## Recent user reviews (10 of 11) All indexed reviews: https://appshunter.io/ios/app/the-earnest-credit-card/id1553741823/reviews.md ### 1/5 — Brilliant Idea, Wrong CC Company. *2023-07-20* I love the idea of this credit card. However, the app is not great. The credit card company is poor at best as you have to ensure everything is going through. If they would’ve went through a Capital One this would be a completely different review. ### 1/5 — They literally steal your money *2023-01-05, version 1.3.2* They lost my cash back check of over $200 and will not help me get it back or refund me. Absolutely worst company and customer service. ### 1/5 — App feedback *2022-05-21, version 1.2.2* This app is just trash and a total scam don’t apply for this crap it’s completely trash and a total scam ### 1/5 — Student Loan App *2022-05-03, version 1.2.1* Love the company but hate that there’s no earnest student refinancing app… hopefully they are in works of making one. I know other loan companies have options to pay off their loans via a phone app and it just makes it easier to pay off. ### 1/5 — Student loan App *2022-02-09, version 1.1.7* Please make a student loan app? It would make getting my money from me a lot easier. ### 1/5 — Verification doesn’t work *2021-12-09, version 1.1.4* Great work everyone ### 3/5 — Promising for future loan app *2021-11-24, version 1.1.1* Writing this review mainly because so many people are writing reviews asking for an app for the student loans. I’ve seen some things saying they’re working on a new app for their loans. They DID have an app before and deactivated it when they started doing the website remodel. I check periodically and this credit card and app associated with it are relatively new. They are making progress on the remodel and I’m assuming this app is a test drive of the new layout and such. Based on this app in comparison to the loan app I had for earnest before, they’re on the right track. ### 1/5 — MAKE STUDENT LOAN APP *2021-11-05, version 1.1.0* MAKE STUDENT LOAN APP ### 1/5 — App doesn’t work right *2021-08-30, version 1.0.6* It’s not verifying me I have tried 5 times already I take picture of my driver license and do the selfie and it tells me the same thing every time it not accepting my information.I never had a problem verifying before even cash app does the same thing and was able to verify me just fine something is wrong with your app ### 1/5 — WHERE IS THE STUDENT LOAN APP ?? *2021-08-19, version 1.0.6* I don’t understand why there is no loan app for the main thing that earnest is ? You have a credit card app but no student loan app ?????? Make it make sense! They are still in phase 1 on the website when it comes to remodeling the structure of the loan company, they have been in phase 1 for several months now !!!!!! ## Frequently asked questions about The Earnest Credit Card ### How does the Earnest Credit Card cash back program work? The Earnest Card offers 3% cash back on your highest spending category, 2% on the second highest, and 1% on all other purchases. The bonus cash back is capped at the first $500 of combined net purchases in these two categories each billing cycle. ### Can I use the Earnest Credit Card immediately after applying? Yes, you can apply on your phone and find out if you're approved in minutes. Pending approval, you can connect to Apple Pay and start using the digital card right away. ### What kind of spending insights does the Earnest Card app provide? The app offers visual breakdowns of your spending habits, showing transactions categorized with merchant logos, pictures, and maps. This helps you easily understand where your money is going. ### Does the Earnest Credit Card have an autopay feature? Yes, you can set up autopay to avoid late fees and additional interest charges. The app allows you to set payment amounts and sends alerts before payments are due. ### What is the rating for The Earnest Credit Card? The Earnest Credit Card has a rating of 1.9 stars from 21 ratings. ### What devices is The Earnest Credit Card supported on? The Earnest Credit Card is supported on iPhone and iPod. ### How often is The Earnest Credit Card updated? The latest version, 1.4.0, was last updated on May 29, 2023. ### Is The Earnest Credit Card suitable for all ages? The Earnest Credit Card has an age rating of 4+, making it suitable for a wide audience. ## Version history (last 3 releases) ### 1.4.0 — 2023-05-29 Bug fixes and minor improvements ### 1.3.3 — 2023-03-19 Bug fixes and minor improvements ### 1.3.2 — 2022-11-28 Bug fixes and minor improvements ## Apps similar to The Earnest Credit Card | App | Rating | Price | Category | | --- | --- | --- | --- | | [The Halo App](https://appshunter.io/ios/app/the-halo-app/id1475904880) | 2.5 (100) | Free | Finance | | [Spend App](https://appshunter.io/ios/app/spend-app/id1357740381) | 4.0 (326) | Free | Finance | | [Vital Card](https://appshunter.io/ios/app/vital-card/id1565042368) | 4.3 (18) | Free | Finance | | [Atlas - Rewards Credit Card](https://appshunter.io/ios/app/atlas-rewards-credit-card/id1617487581) | 4.7 (222,034) | Free | Finance | | [Tomo Card](https://appshunter.io/ios/app/tomo-card/id1511011956) | 2.4 (92) | Free | Finance | | [Earnnest](https://appshunter.io/ios/app/earnnest/id1494154335) | 3.5 (33) | Free | Finance | ## More apps by Earnest Inc. - [Earnest Mobile](https://appshunter.io/ios/app/earnest-mobile/id6738747325) All apps by Earnest Inc.: https://appshunter.io/developer/1017394222 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*