The Cash Rewards Program That’s Actually Rewarding

Most rewards programs require you to accumulate tens of thousands of points before you can redeem them. Of the people who manage to get such rewards, I always wonder, “how much money are you charging?” and “what even is your spend limit?” The truth is, you have to have money to even get one of those credit cards. Boundaries like these are what inspire us at Earnin to think differently when we build for our families, friends, and neighbors.

As part of our vision for fairness in the financial world, Earnin recently launched Cash Back Rewards, a rewards program that works for everyone. This product currently works alongside our original product— Cash Out, which lets you immediately access your pay as soon as you’ve worked. Cash Back Rewards doesn’t require a credit card—it works with either debit or credit cards and it is meant to work for anyone, regardless of credit score (which we never look at) or income, and has nothing to do with any debt you may have. Cash Back Rewards’ purpose is to help you earn extra money while shopping and dining. You can earn up to 10% cash back with each purchase you make and once you earn a cash reward, you can immediately send that money directly to your bank account.

With Earnin Cash Back Rewards, you get extra money and an easy way to save it if you choose to. With a few extra dollars here, a few more there, you can quickly collect enough money for a tank of gas, a little treat for yourself, or a present for someone special. One useful approach is to plan what you’re saving for when you first start using Cash Back Rewards. Having a concrete goal can motivate you to consider where you shop or eat, and actively try to gain cash rewards at times when you know you’ll already be spending money. For example, if you have plans to take your kid out for pizza to celebrate their high school graduation, skip the usual chain spot and try out the local pizza place that appears in your app a couple of miles from your home. Who wants to earn money while they enjoy a delicious meal? I know I do!

At Earnin, we’re all about putting our community first. When you use Earnin Cash Back Rewards at local businesses, you don’t just help yourself, you also strengthen your community in a lot of ways. You embody the Earnin spirit of doing good for your community by supporting local businesses financially of course, but that’s just the beginning. Earnin deeply cares about the people whose lives it impacts because they’re the inspiration for changing the system and their support also helps keep the movement going—and that’s exactly what you’re doing—keeping the movement going.

Along with helping the people around you, you’re also helping to improve the environment. Many local businesses sell locally-made items, which can reduce the carbon footprint of the things you buy. It’s also a great way to help your community stay unique and retain its distinct flavor. What’s more, when you buy local, your money stays local. If you spend $100 at a local business, roughly $68 stays right there in your local economy. Why send your money elsewhere when you can redistribute it locally to help your neighborhood thrive? And we all know how good the food from the hole-in-the-wall restaurants downtown taste when made with locally-sourced meats and dairy, fresh fruits and veggies, and authentic spices and recipes. And when you shop local and share your experience with friends, chances are you may inspire others to try it out as well.

You can earn up to 10% cash back every time you make a purchase with your debit or credit card at one of over 9200 participating restaurants and stores nationwide. Businesses are always being added and many are only available for a limited time, so your choices are always changing. As soon as your reward hits your account, you can cash out instantly—or save it for another day. It’s your choice. And, as with all Earnin products, Cash Back Rewards is free to use—no fees, membership dues or interest charges are required—and was designed to help you get to a better financial place.

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