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Build credit with up to a $1,000* credit line

Build credit with up to a $1,000* credit line

No interest, no hidden fees, and no minimum deposits

Get Started

As seen in

How Mine works

How Mine works

Apply for a Mine Card

Apply for a Mine Card

Sign up in 5 minutes and find out if you’re approved instantly. No cosigners or credit checks required.

Sign up in 5 minutes and find out if you’re approved instantly. No cosigners or credit checks required.

Use your Mine Card for everyday purchases

Use your Mine Card for everyday purchases

Spend worry-free with no interest, hidden fees, or minimum deposits — just connect your bank, and get a credit limit based on how much you have in your account. 

Spend worry-free with no interest, hidden fees, or minimum deposits — just connect your bank, and get a credit limit based on how much you have in your account. 

Build credit on autopilot

Build credit on autopilot

Daily Autopay ensures your payments happen on-time. We report these to the major credit bureaus, making credit building simple and easy. 

Daily Autopay ensures your payments happen on-time. We report these to the major credit bureaus, making credit building simple and easy. 

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Set yourself up for success

Set yourself up for success

Earn over $300 in annual value with the Mine Card¹

Earn over $300 in annual value with the Mine Card¹

Earn over $300 in annual value with the Mine Card¹

Get cash back when you spend – 3% in a category you choose, local deals, and every Mine Rewards Day, unlock up to 100% off at spots like Starbucks and Target.

Get cash back when you spend – 3% in a category you choose, local deals, and every Mine Rewards Day, unlock up to 100% off at spots like Starbucks and Target.

Plan with advanced budgeting and credit monitoring tools

Plan with advanced budgeting and credit monitoring tools

Plan with advanced budgeting and credit monitoring tools

Get insights on your spending and a custom budget to help you save. Check your credit score for free and get tips to improve it.

Get insights on spending and a custom budget to help you save. Check your credit score for free and get tips to improve it.

Access premium courses, trivia and quizzes

Access premium courses, trivia and quizzes

Access premium courses, trivia and quizzes

Access dozens of financial literacy courses and quiz yourself with daily trivia that will keep you learning and growing. 


Access dozens of financial literacy courses and quiz yourself with daily trivia that will keep you learning and growing. 

How Mine dominates the competition

How Mine dominates the competition

How Mine
dominates the competition

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300k+ members ❤️ Mine

300k+ members ❤️ Mine

100k+ students
❤️ Mine

4.7 ★
App store

4.8 ★
Google Play

100k+
Total customers

1k+
College campuses

4.7 ★
App store

4.8 ★
Google Play

100k+
Total customers

1k+
College campuses

  • Mine is like having a financial sidekick as a student

    No interest rates, no credit checks, just easy credit building. It pays off all my purchases every day so I’m literally never worrying about going into debt.

    Read on the App Store

  • Easy for college students!

    I just started using Mine to build credit. It's so helpful learning to manage my money. Their reward system is great, lots of opportunities to save & make money

    Read on the App Store

  • Student Approved

    School takes up my time but the short, informative articles helps with my financial planning. I definitely recommend if you're looking to become financially independent.

    Read on the App Store

Membership Pricing

Membership Pricing

Membership
Pricing

Free Plan

$0

$0

Get Free

Includes:

Credit score monitoring

Guided financial lessons
and quizes

Guided financial lessons
and quizes

Credit score monitoring

Guided financial lessons and quizes

Student Plan

$5/mo

$5/mo

Billed annually

at $59.99/yr

Get Student

Includes:

Credit score monitoring

Guided financial lessons
and quizes

Guided financial lessons
and quizes

Credit building debit card with no interest, minimums deposits, or hidden fees*

3% cash back in a spending category of your choice

Personalized budget tracking

Local rewards

Standard Plan

$11/mo

$11/mo

Billed annually

at $129.99/yr

Get Standard

Includes:

Credit score monitoring

Guided financial lessons
and quizes

Guided financial lessons
and quizes

Credit building debit card with no interest, minimums deposits, or hidden fees*

3% cash back in a spending category of your choice

Personalized budget tracking

Local rewards

Credit score monitoring

Guided financial lessons and quizes

Credit building debit card with no interest, minimums deposits,
or hidden fees*

3% cash back in a spending category
of your choice

Personalized budget tracking

Local rewards

Frequently asked questions

Frequently asked questions

Why choose Mine?

How does the Mine Card work?

How can Mine build my credit history?

How does Mine report my credit?

Can I cancel Mine?

Who do I contact for support or additional questions?

  • Join Today

  • Join Today

About Us

Card

Membership

Resources

Help Center

Policies

Press Kit

Ambassador

ShoulderTap Technologies, Inc. d/b/a MINE™ © 2026. All rights reserved.

450 Broadway, Level 2, New York, NY 10013.

ShoulderTap Technologies, Inc. d/b/a Mine (f/k/a Fizz) (together with its subsidiaries, “Mine”) is not a bank. The Mine Visa® Debit Card and the legacy Fizz-branded Visa® Debit Card (together, the “Visa Cards”) are issued by Lead Bank, Member FDIC, pursuant to a license from Visa® and may be used everywhere Visa® debit cards are accepted. The legacy Fizz-branded Debit Mastercard® (together with the Visa Cards, the “Card”) is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard® and may be used everywhere Mastercard® debit cards are accepted. Any loans you may be offered in connection with your use of a Card are originated by Lead Bank. Any promotions or rewards you may be offered in connection with your use of your Card are offered and managed by Mine, not our bank partners.

All activities conducted by Mine as program manager in connection with the Card and the corresponding line of credit are conducted by Mine Technologies, Inc. (f/k/a Fizz Technologies, Inc.) (NMLS: 2522542).

¹Over $300 in annual value of Mine Card based on cash value available to Mine Card users assuming half of all available rewards and promotions are used. Actual results may vary.

²Mine's recurring Subscription Fee is charged to all Mine Members for the Membership and is subject to change at any time. Mine may offer certain customers promotional pricing (including for terms other than annual) in its sole discretion. To opt out of future recurring subscription charges, Members may cancel their Membership through the app at any time prior to their next billing date. The Subscription Fee includes access to all Membership offerings and is neither a prerequisite for nor a guarantee to the Mine Card and line of credit (terms and eligibility restrictions apply). Cardholders who cancel their Membership will lose access to their Mine Card and line of credit at the end of their subscription term. Closing a line of credit may negatively impact your credit score. See usemine.com/policies/fee for details.

³Based on the Discover it Student Cash Back Card as of 4/30/25.

⁴Based on Capital One Savor Rewards as of 4/30/25.

⁵Annual cost for Traditional Student Credit Card and Traditional Secured Credit Card categories assumes that a customer has an outstanding monthly statement balance of $500, makes the minimum required payment of $25.00 each month, is subject the maximum APR advertised in the category (calculated using the Daily Periodic Rate), and is charged one $41 late fee per year (the national average according to the CFPB).

⁶Based on Capital One Quicksilver Secured as of 4/30/25.

⁷Based on the Discover it Secured card as of 4/30/25.

⁸Based on Capital One Quicksilver Secured as of 4/30/25.

*Terms, conditions, and eligibility restrictions apply. Customers who successfully apply for and accept a Card will receive an initial line of credit between $90 and $1,000 based on underwriting. Credit lines may be adjusted over time based on repayment history and other factors if certain criteria are met. Contact support in the app to request a free Card application without Membership features.

Cardholders: Mine reports your payment history on the revolving, open-end line of credit accessed by your Card. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. Mine is required to report late payments, missed payments, or other defaults on your account, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including your activity with other creditors. The Card and related services will not remove negative credit history from your credit report. Mine, on behalf of Lead Bank, will report your activities to Experian® and Transunion®.

Mine is not a credit repair tool and does not offer any form of credit counseling services. Mine makes no representation or promise that it will improve your credit score, history, or profile or provide you with any assistance in that regard. None of Mine’s services, including your ability to check your credit report and/or score through the Mine App, is offered or provided with respect to the extension of credit by third parties. Mine and its affiliates are not credit repair organizations or credit services organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating, obtaining an extension of credit for you, or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating.

For additional information, terms and conditions applicable to your use of Mine’s services, please consult Mine’s Terms of Use and Privacy Policy, the Cardholder Agreement, any Line of Credit Agreement in effect between you and Lead Bank and any and all other applicable terms, policies and guidelines made available to you through the Mine services.

Selected customers reviews above describe individual experiences or results. Non-substantive changes have been made to some reviews for brevity or to replace “Fizz” with “Mine.” Individuals in videos featured above are paid spokespeople. Actual results may vary.

For people with disabilities, including those who are visually impaired, deaf, or hard of hearing, we accept messages via our in-app chat, emails at [email protected], and calls on our answering machine at (940) 260-2704. If you leave us a voicemail, please leave your name and number and a member of our customer support team will return your call.

ShoulderTap Technologies, Inc. d/b/a MINE™ © 2026. All rights reserved.

450 Broadway, Level 2, New York, NY 10013.

ShoulderTap Technologies, Inc. d/b/a Mine (f/k/a Fizz) (together with its subsidiaries, “Mine”) is not a bank. The Mine Visa® Debit Card and the legacy Fizz-branded Visa® Debit Card (together, the “Visa Cards”) are issued by Lead Bank, Member FDIC, pursuant to a license from Visa® and may be used everywhere Visa® debit cards are accepted. The legacy Fizz-branded Debit Mastercard® (together with the Visa Cards, the “Card”) is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard® and may be used everywhere Mastercard® debit cards are accepted. Any loans you may be offered in connection with your use of a Card are originated by Lead Bank. Any promotions or rewards you may be offered in connection with your use of your Card are offered and managed by Mine, not our bank partners.

All activities conducted by Mine as program manager in connection with the Card and the corresponding line of credit are conducted by Mine Technologies, Inc. (f/k/a Fizz Technologies, Inc.) (NMLS: 2522542).

¹Over $300 in annual value of Mine Card based on cash value available to Mine Card users assuming half of all available rewards and promotions are used. Actual results may vary.

²Mine's recurring Subscription Fee is charged to all Mine Members for the Membership and is subject to change at any time. Mine may offer certain customers promotional pricing (including for terms other than annual) in its sole discretion. To opt out of future recurring subscription charges, Members may cancel their Membership through the app at any time prior to their next billing date. The Subscription Fee includes access to all Membership offerings and is neither a prerequisite for nor a guarantee to the Mine Card and line of credit (terms and eligibility restrictions apply). Cardholders who cancel their Membership will lose access to their Mine Card and line of credit at the end of their subscription term. Closing a line of credit may negatively impact your credit score. See usemine.com/policies/fee for details.

³Based on the Discover it Student Cash Back Card as of 4/30/25.

⁴Based on Capital One Savor Rewards as of 4/30/25.

⁵Annual cost for Traditional Student Credit Card and Traditional Secured Credit Card categories assumes that a customer has an outstanding monthly statement balance of $500, makes the minimum required payment of $25.00 each month, is subject the maximum APR advertised in the category (calculated using the Daily Periodic Rate), and is charged one $41 late fee per year (the national average according to the CFPB).

⁶Based on Capital One Quicksilver Secured as of 4/30/25.

⁷Based on the Discover it Secured card as of 4/30/25.

⁸Based on Capital One Quicksilver Secured as of 4/30/25.

*Terms, conditions, and eligibility restrictions apply. Customers who successfully apply for and accept a Card will receive an initial line of credit between $90 and $1,000 based on underwriting. Credit lines may be adjusted over time based on repayment history and other factors if certain criteria are met. Contact support in the app to request a free Card application without Membership features.

Cardholders: Mine reports your payment history on the revolving, open-end line of credit accessed by your Card. Increases or specific changes to your credit score are not guaranteed. Impact on your credit score may vary depending on your use. Mine is required to report late payments, missed payments, or other defaults on your account, which may negatively impact your credit score. Credit scores are independently determined by credit bureaus based on a number of factors, including your activity with other creditors. The Card and related services will not remove negative credit history from your credit report. Mine, on behalf of Lead Bank, will report your activities to Experian® and Transunion®.

Mine is not a credit repair tool and does not offer any form of credit counseling services. Mine makes no representation or promise that it will improve your credit score, history, or profile or provide you with any assistance in that regard. None of Mine’s services, including your ability to check your credit report and/or score through the Mine App, is offered or provided with respect to the extension of credit by third parties. Mine and its affiliates are not credit repair organizations or credit services organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating, obtaining an extension of credit for you, or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating.

For additional information, terms and conditions applicable to your use of Mine’s services, please consult Mine’s Terms of Use and Privacy Policy, the Cardholder Agreement, any Line of Credit Agreement in effect between you and Lead Bank and any and all other applicable terms, policies and guidelines made available to you through the Mine services.

Selected customers reviews above describe individual experiences or results. Non-substantive changes have been made to some reviews for brevity or to replace “Fizz” with “Mine.” Individuals in videos featured above are paid spokespeople. Actual results may vary.

For people with disabilities, including those who are visually impaired, deaf, or hard of hearing, we accept messages via our in-app chat, emails at [email protected], and calls on our answering machine at (940) 260-2704. If you leave us a voicemail, please leave your name and number and a member of our customer support team will return your call.