→ Finch Rewards Card Benefits
You’ll see two cards in the Card Management section of your app.
💰 Finch Rewards Card
The Finch Rewards Card is a Mastercard Credit Card. It’s different from traditional credit cards - when you spend, we spot your purchase and automatically pay that back with the cash in your linked checking account. You’ll earn cash back rewards while building credit, and there’s no credit check to sign up!
💳 Finch Debit Card
The Finch Debit Card is a backup card you can use for transactions where your Finch Rewards Card isn’t accepted, like utility service providers. The Finch Debit Card doesn’t earn rewards or build credit.
→ Cash Back Rewards
You’ll earn cash back rewards on each purchase* immediately after the transaction settles, and we’ll automatically invest your cash back to boost your growth!
You’ll earn between 1.5% and 5% cash back on purchases* depending on your subscription, and there are no restricted categories or limits to the amount you can earn each month.
ATM withdrawals and cash transfers won’t earn rewards, just as a heads up!
→ Refunds on Purchases
If you return a purchase*, dispute, or reverse a transaction where you earned cash back rewards, we’ll deduct the reward amount from your refund amount.
→ Review Your Rewards
The Summary tab in your bottom navigation menu shows you how your Finch balance has evolved over time and summarizes your cash back rewards and investment returns.
*Purchases refer to net purchases (purchases minus any credits or returns). Purchases do not include ATM withdrawals or cash transfers.