Burger King, Jimmy John's, KFC logos
The Only Card That Gives You Payroll Advances Plus 0.5% Cashback on Purchases
Introducing the World's First Cashback Paycheck Advance
Earn 3.00% APY Interest on Account Balances up to $10,000

Get smart money management tools to control your finances wisely. 

Our Partners

We work with world-class partners to give you the best financial solutions.

Grit is a technology company with deep financial expertise. We provide financial services by using the power of technology that keeps its cost structure low, and orchestrates the capabilities of a number of world class partners.  This gives our customers the ultimate combination – services from proven corporations along with unbeatable rewards which drive greater financial health. 

Early Wage Access

Whether you’ve got unexpected expenses or simply need to make a big purchase before your next payday, you can now access your earned wages the very next day.  This service is free of charge with an Advance + Debit Card account. 

0.5% Cashback on Purchases

It pays to use your Grit card! Earn money back every time you make a purchase with your Grit card*.  This offer is free of charge with an Advance + Debit Card account. 

No minimum purchase required.

Grit Financial has both payroll advance and bank benefits

Grit Financial Advance + Debit Card Account Netspend Typical Bank
Monthly Fee $0 $0 Varies
Inactivity Fee $0 $2.95 Varies
Free Payroll Advances YES - -
Cashback on Debit Card Purchase 0.5% - -
Interest earned on Account Balance 3.0% - -
ATM Withdrawal Fee for In-Network ATMs $0 $0 $0
ATM Balance Inquiry Fee $0 $0.75 $0
Out of Network ATM Withdrawal Fee $2.50 $1.75 $2.50
POS Decline Fee (Signature & PIN) $0 $0.75 $0
Access your Credit Score YES - Varies
FDIC Insured to $250,000 YES YES YES
Overdraft Protection - - YES

We offer two types of Grit Accounts

Select the account that works best for you. Our Advance + Debit Card account offers both payroll advances and bank-like benefits, while our Advance account offers payroll advances only, similar to DailyPay. 

Grit Advance
+ Card
Grit Advance Daily Pay
Cost per Instant Advance $0 $2.99 $2.99
Cost to Transfer Advance to External Bank Account $2.99 - -
Cashback on Debit Card Purchases $0.5% - -
Interest on Account Balances $3.0% - -

Watch your money and rewards grow, any time, any day.

Using the Grit Financial app, you’ll have access to payroll advances, move funds and watch your rewards and daily interest earnings deposit, automatically. Feel at ease knowing your money is working for you, even when you’re off the clock.

Your Grit card account is FDIC-insured.

Grit ensures financial safety with PCI (Payment Card Industry) and SOC 2 compliance – the highest security certifications available.

We’re partnered with secure global firms like VISA, NCR, and Corecard (powers Apple and Starbucks). We care about your security deeply.

High Interest Earnings

With the Advance + Debit Card account, put your money to work! Earn 3.00% APY interest on account balances up to $10,000 – 100x more than you’ll earn in a regular bank account.

Fee-Free ATM Withdrawals on the AllPoint Network

Access your cash at convenient ATMs at Target, CVS, Walgreens, RiteAid, Costco and more!

Credit Score Monitoring

View your Vantage Score in the Grit App.

A Growing Suite of Financial Knowledge Tools

Get access to a growing library of resources and expert guidance.

"Grit has a very user friendly app, a very sincere approach, and an amazing concept! It helped me straighten things out and no longer be caught off-guard by unforeseen circumstances!" - Myles T.

It Pays to Use Grit

Think of Grit as easier access to your earnings, and better opportunities to manage and grow your money. We help you save on fees, ensure your bills get paid, and help you build an emergency savings fund. And when you sign up for a Grit Advance + Debit Card account, you get 0.5% cashback when you make purchases, 3.00% APY interest on account balances up to $10,000 and more – so it really does pay to use your Grit card!

Sign Up and Try Grit

There are no fees, no subscriptions and best of all – if it’s not for you, there are no cancellation fees or paperwork. Simply Opt-out. 


Wendy Oliver

A seasoned lawyer and legal compliance expert specializing in the financial sector, Wendy has worked in large law firms and as in-house counsel for companies such as Bank of America and OnPoint Credit Union, and educational institutions such as the University of Chicago and Duke University. She’s also worked at a fintech startup, a consumer lender and a large credit union, as well as running her own practice advising financial institutions.
Well-versed in the ins and outs of disclosures and agreements, contracts and corporate matters, Wendy is most excited about helping others to achieve financial stability, something she had to grapple with herself in her younger years and as a law student. Her goal is to ensure Grit’s financial wellness tools not only help people through financial emergencies, but also establish long-term habits for financial success.
How she got her financial grit: “In college, when I was living off loans and part-time work, I had a budget and that really helped me. After college and law school I had loans to pay. Budgeting and understanding where your money goes can really make a difference in your financial security.”


  • General Counsel, OnPoint Credit Union
  • Chief Compliance Officer, Aven
  • Asst. General Counsel, Bank of America
  • Duke, U. of Mich, U of Chicago


  • Led compliance function for the industry’s first Home Equity backed Credit Card
  • First GC at Oregon’s largest credit union preparing institution for crossing $10B threshold


  • 30+ years of experience in Banking Legal and Compliance including Startups, Scale Players, & Regional Players