Credit + Debit
in One Card

Nirvana Money is a credit card that also works like a debit card. Use credit when you need it and cash when you have it.

  • Credit card and bank account in one
  • Credit line increase with paycheck deposit (See Offer)
  • No late fees, No ATM fees1
  • Free Credit Score monitoring in app
Join Waitlist
You agree to our Privacy Policy.
Membership is only $8 a month.
Account Terms
as seen on

Your Paycheck
Builds Credit

Get a credit line up to the amount of your paycheck when your direct deposits total at least $500 a month.

Offer Details

Double
Your Paycheck

On every paycheck, play to win an account credit for the direct deposit amount.

Double
Your Cash

Each month, play for an account credit of your average cash balance.

Win
100% Cashback

On every card purchase – 
play to win 100% cashback on 
the full purchase price.

late fees

overdraft fees

ATM fees

Foreign Transaction fees

overdraft fees

ATM fees

Foreign Transaction fees

late fees

ATM fees

Foreign Transaction fees

late fees

overdraft fees

No Hidden Fees

No late fees. No overdraft fees. No ATM fees2 at over 55,000 ATMs at places like Target, CVS and Walgreens.

Membership is only $8 a month.

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. 

Nirvana credit card in different colors

Membership is Only $8 a Month

Your Nirvana Money card offers protections against financial worries, free credit score monitoring and information on building healthy financial habits. 

Join Waitlist
You agree to our Privacy Policy.
Membership is only $8 a month.
Account Terms