# Zurp: Build Credit Get Rewards — Get Rewards for Everyday Spend > Banking app for rewards, credit building, and high APY savings. (iPhone/iPad app by Zurp, Inc..) - Source: https://appshunter.io/ios/app/zurp-build-credit-get-rewards/id1616024425 (this page in markdown: same URL + `.md`) - Developer: [Zurp, Inc.](https://appshunter.io/developer/1616024427) - Category: Finance, Lifestyle - Price: Free - Rating: 4.70/5 from 781 App Store ratings · 37 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 121 MB - Languages: American English - Released: 2023-03-15 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/zurp-build-credit-get-rewards/id1616024425/reviews.md ## What is Zurp? Zurp is a banking app that helps you earn rewards from your everyday purchases and beyond. From paying rent to grabbing your morning coffee, every card purchase gets you points that you can use towards concerts, VIP events, Amazon, Starbucks & more!⁸ Signing up for Zurp¹ means you get a Zurp World Mastercard® and a Zurp Cash account. Think of your Cash account as a supercharged bank account that earns 5.00% Annual Percentage Yield (APY)² on your money. It sets the limit to your Zurp Card, too. Zurp partnered with Mastercard® to create a one-stop solution to build your credit⁴ while you bank and earn amazing rewards in the process. After your account is approved you can immediately use your new virtual card! HIGHLIGHTS • No debt, overdraft fees or credit checks. • Build credit.⁴ • Get 1x points on your rent or mortgage.⁸ • Spin a wheel daily for free points.⁷ • Up to 8x points on spend⁸ • Up to 5.00% APY on cash in your account.² • New rewards added monthly! ZURP CARD Get rewarded with benefits and rewards you actually want. We’re on a mission to provide the most fun and unique rewards. Forget boring airline points; we offer airline credits too, but so much more. You’ll be seeing new perks added to your card all the time in your Zurp app that you can then redeem your points for. Your Zurp card is accepted everywhere Mastercard® is! ZURP CASH Zurp is more than just a spending card, it offers accounts too. The money in your secure account is safe and protected with FDIC insurance provided by First Pryority Bank¹. The account can be used for direct deposits and paying your rent and bills. Also, no ATM fees³ are pretty cool, too. BUILD CREDIT⁴ Build credit while earning rewards! Spend on your Zurp Card the way you always spend and leave the rest to us. Your card is secured by the money in your Zurp Cash account, so as you use your card we help credit bureaus learn about your responsible card use. EARN MONEY ON YOUR CASH Big banks offer you as little as 0.01%⁵. With Zurp you’ll be earning 5.00% APY² without having to do anything! Now that’s REAL cash back. NO DEBT Zurp is different from a typical secured credit card. With Zurp, you can only spend money you’ve previously deposited into your Zurp Cash account. GET POINTS ON YOUR RENT OR MORTGAGE8 You’ll receive 1x points every month that you pay your rent or mortgage using Zurp! GET POINTS ON EVERYDAY PURCHASES • 8x points on restaurants, food delivery services, travel, entertainment & rideshare • 3x points for every $1 spent with your card SPIN THE WHEEL!⁷ Every day you spend $5 on your Zurp card, you get a wheel spin. A chance to win up to 1,500 points! GET PAID EARLY⁶ When you set up direct deposits with Zurp, we’ll make sure you’re paid up to 2 DAYS EARLY!⁶ DISCLOSURES 1. Zurp Inc. is a financial technology company, not a bank. The Zurp card is issued by First Pryority Bank, Member FDIC (deposits insured up to $250,000) pursuant to a license from Mastercard® International. 2. 5.00% APY is paid out on balances up to $2,000. Balances $2,001 and above earn a 4.27% APY. Eligible only to Active Users. Subject to change. 3. Zurp does not charge a fee or surcharge for withdrawals or balance inquiries on ATMs on any network. ATM owners may charge their own withdrawal or inquiry fee at their discretion 4. Terms apply. Please see full Terms and Conditions for details: www.zurp.com/terms 5. Based on Chase Sapphire Checking as of 7/28/23 6. Early access to direct deposit funds depends on the timing of the payer's submission of deposits. Zurp will generally post these deposits on the day they are received, which can be up to 2 days earlier than the payer’s scheduled payment date. 7. You qualify for a free daily spin every day you spend $5 with your Zurp Card 8. Rewards terms apply. See zurp.com/rt for more. All non-Zurp logos shown are for illustrative purposes and remain the property of their respective owners. ## Key features - Earn rewards on everyday purchases - Build credit history - 5.00% APY on cash balance - Redeem points for concerts, Amazon, Starbucks - Get paid up to 2 days early - No debt or overdraft fees - Earn points on rent/mortgage payments ## What do users think of Zurp? Overall sentiment: positive **Pros** - 👍 Excellent credit score booster - 🚀 Convenient and incentivizes responsible spending - 💰 High-interest cash account - 🎁 Generous rewards program - 🏆 Helps build credit without credit check - 👌 Intuitive and user-friendly app - 💳 Debit card with rewards - 🤑 Earning points on everyday purchases **Cons** - 🐛 Deposit takes too long - 🤖 Poor customer service - 💳 Misleading points system - 🎨 Unappealing card design - 🚫 Unable to link to Apple Pay or Cash App **Commonly reported bugs** - Pending deposits not clearing - App crashes during application process **Most requested features** - Cash back or gift card rewards - Faster deposit processing - Improved customer support ## Recent user reviews (10 of 37) All indexed reviews: https://appshunter.io/ios/app/zurp-build-credit-get-rewards/id1616024425/reviews.md ### 1/5 — Scam, closing accounts now and nothing to spend rewards on *2024-02-24* Waste of time. Never got a thing out of this card except a little interest I could have earned elsewhere. All the implied 8% rewards were only 8x points which means 0.8% at the rate of exchange. Wish they closed business sooner so I could have been done with them before having spent so much time accumulating points I can't use...unless I have several hundred dollars worth of points. ### 5/5 — Excellent Credit Score Booster! *2024-01-31* This has boosted my credit score fast within just a few months! Cons: the card could use a major redesign, it doesn’t seem appealing at all. I’d love to see a black Mastercard. ### 3/5 — Great interest. Mediocre rewards. *2023-11-10* Nice to get 5% APY although it would be better to get 5% APR bc compounding would result in a higher APY. The points system is misleading. You can get 8 points per dollar spent but the points you earn only exchange at roughly 1,000 points per dollar. At least there are numerous rewards to exchange for. Mostly gift cards. I'm going to use my 4% cash back credit card though instead of zurp bc then I can get more in points value and earn interest on my money for longer before I owe. ### 5/5 — Debit card *2023-10-14* That gives points when you use the card, give you rewards ### 1/5 — Worst company I’ve ever dealt with *2023-10-02* I added money to my Zurp card. It’s now been 7 days and still shows pending. But it cleared my bank account. And good luck calling these scammers. As soon as 10 am hits. You call them and it has a recorded message saying that our customer service is busy right now. No other options to choose from and they disconnect the call. I’ve emailed them numerous times. And I’m still waiting for my money. As soon as it clears if it ever does I’m closing my account and sending the BBB a report. It doesn’t take this long for money to clear especially from doing it from a bank **Developer response:** Hey! Please email us at hello@zurp.com and we'll get this sorted out ASAP. We're happy to schedule a call as well if you prefer but we don't have phone support yet. ### 1/5 — Deposit takes to long *2023-09-29* I deposited money into the Zurp account from my bank account. It’s been four days and shows pending but my bank account shows it was taken out. Once my money if it ever does I’ll be cutting there card up and closing my account. No customer service no one to call. You call the number and after a brief message they hang up on you. Horrible customer support it takes a day for a check to clear. I want my money back ### 1/5 — Not work for Apple Pay deposit and cash app instant deposit *2023-09-04* Came from Enzo ,but the app is not useful .You won’t be able to link the card to Apple Pay or cash app for any instant transfer .Sorry ,I might need to close my account and switch to zeta . ### 5/5 — Addictive ux *2023-08-29* I find myself engaging more and more with this pre topup model for credit card usage. Convenient and incentivizes being responsible. Solid product ### 5/5 — ZzZ *2023-06-05* Zurp's app is so easy to use, even my dog could figure it out. Well, maybe not, but you get the point. ### 5/5 — 👍❤️ *2023-06-02* Zurp's app is so intuitive, it's like it can read my mind. I've never had a banking app this good. **Developer response:** Thank you! ## Frequently asked questions about Zurp ### What does Zurp do? Zurp is a banking app that allows you to earn rewards on your everyday purchases and build your credit history. It provides a Zurp World Mastercard and a Zurp Cash account, offering a high APY on your deposited funds and unique redemption options for earned points. ### How can I build credit with Zurp? You can build credit by using your Zurp Card for everyday spending. As you use the card, which is secured by the funds in your Zurp Cash account, credit bureaus learn about your responsible card usage, helping to improve your credit history without incurring debt. ### What are the costs associated with Zurp? The app itself is free to use. There are no debt or overdraft fees. The Zurp Card is secured by the money in your Zurp Cash account, meaning you can only spend what you have deposited. There are also no ATM fees. ### What kind of rewards can I earn? You can earn points on various purchases, with up to 8x points on categories like restaurants, travel, and entertainment. These points can be redeemed for a wide range of rewards, including concert tickets, VIP events, Amazon gift cards, Starbucks credits, and more. New rewards are added monthly. ### Is Zurp compatible with my devices? While specific compatibility details are not provided in the description, Zurp is a mobile application designed for smartphones. It is generally expected to be compatible with most modern iOS and Android devices. ## Version history (last 5 releases) ### 1.4.7 — 2024-02-08 Performance improvements ### 1.4.5 — 2024-01-29 Performance improvements ### 1.4.4 — 2024-01-18 • Performance improvements • Bug fixes ### 1.4.0 — 2024-01-15 Performance improvements ### 1.3.1 — 2023-11-17 Performance updates ## Apps similar to Zurp | App | Rating | Price | Category | | --- | --- | --- | --- | | [My2Pay](https://appshunter.io/ios/app/my2pay/id1640690201) | 1.0 (2) | Free | Finance | | [Fundsy](https://appshunter.io/ios/app/fundsy/id1621747720) | 4.4 (7) | Free | Finance | | [Swell Money](https://appshunter.io/ios/app/swell-money/id1607375431) | 4.9 (16) | Free | Finance | | [Mesh.](https://appshunter.io/ios/app/mesh/id1523182767) | 4.5 (6) | Free | Finance | | [Dexy](https://appshunter.io/ios/app/dexy/id1613780445) | 4.7 (6) | Free | Finance | | [h.way](https://appshunter.io/ios/app/hway/id1635450512) | 3.4 (97) | Free | Finance | --- *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.*