Credit + Debit Card in One Card

Nirvana Money is the first to combine all your money into one hybrid card. It’s a credit card that helps you build credit. To increase your credit line, fund it with your paycheck. You can also use it like a debit card when you fund it with cash.

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Membership is 27 cents
per day. Account Terms

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Credit + Debit Hybrid

Build Credit

Zero Hidden Fees

Your Paycheck Builds Credit

Get a credit line of up to your paycheck when you direct deposit paychecks of at least $500 a month. Offer Details

Match & Win!

Play the Money Game1 to win every time you earn, save and spend. Just match two cards to win up to $10,000. 

Easy Approval
Easy Approval

Zero Hidden Fees

We don’t play gotcha — zero hidden fees. No late fees. No overdraft fees. Plus, no ATM fees at over 55,000 ATMs2 at the places you always go, like Target, CVS and Walgreens. Membership is just 27 cents a day.

Nirvana Membership

Membership is Only 27 Cents a Day

Your Nirvana Money card comes with membership protections against financial worries and information on building healthy financial habits.