CARD.com
CARD.com (CARD Corporation) is a US digital banking platform serving 1.3 million+ consumers with a fee-friendly Premium Bank Account and customizable Visa debit card, delivered through a Pathward, N.A. bank-partnership and mobile-first self-service onboarding.
- Company typePrivate
- Founded2012
- HeadquartersSan Ramon, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What CARD.com does
CARD.com (operated by CARD Corporation) is a US-based digital banking platform that delivers a Premium Bank Account and Visa debit card to more than 1.3 million self-reported consumer customers, primarily through a mobile-first, self-service onboarding experience. CARD.com is not itself a bank; the underlying checking account is established by Pathward, N.A. (Member FDIC) and the Premium Visa Debit Card is issued by Pathward pursuant to a Visa U.S.A. Inc. license. The platform is differentiated by immediate virtual card issuance upon signup, thousands of customizable branded card designs, up to two-day-early direct deposit (QuickPay), mobile check capture, customizable RapidAlerts, optional savings, and integrations with Apple Pay, Google Pay, Green Dot (cash reload), Western Union (remittances), and the MoneyPass ATM network (85,000+ surcharge-free ATMs).
The technology stack is a mobile banking app (iOS and Android) layered on top of a Banking-as-a-Service partner ecosystem: Pathward provides the chartered-bank infrastructure and FDIC insurance, Visa provides the card network, First Century Bank and Ingo Money provide mobile check deposit and instant funding, Green Dot and Western Union provide cash and remittance rails, and MoneyPass (FIS) provides ATM access. The platform does not disclose a proprietary core ledger or AI/ML capability; its value-add sits in the front-end experience, the design-your-own-card catalog, and the orchestration of these partner services.
The business model is predominantly consumer and fee-light. The headline $9.95 monthly maintenance fee is waived with qualifying direct deposit, meaning most active users sit on $0 monthly fees. Monetization therefore depends on interchange (not separately disclosed), optional overdraft protection ($15 per qualifying transaction, up to four fees per month), instant mobile check capture fees, Green Dot cash reload fees (up to $4.95), and ancillary services such as remittances. Distribution is product-led: customers sign up directly via the website or mobile app and receive a virtual card immediately, with marketing concentrated on social media (Facebook, Instagram, YouTube, TikTok), app stores, and Trustpilot-driven social proof. CARD.com has raised approximately $18.6M across disclosed rounds from 2013-2020 (QED Investors, Aslanoba Capital, Resolute Ventures, Growth Capital Strategy, among others); no revenue is publicly disclosed.
CARD.com firmographics
Firmographics- Name
- CARD.com
- Legal name
- CARD Corporation
- Website
- https://CARD.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CARD.com (CARD Corporation) is a US digital banking platform serving 1.3 million+ consumers with a fee-friendly Premium Bank Account and customizable Visa debit card, delivered through a Pathward, N.A. bank-partnership and mobile-first self-service onboarding.
- Ownership category
- akta.pro rank
CARD.com industry classification
Industry- Product category
- Consumer Digital Banking (Neobank)
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Virtual Prepaid & Single-Use / Tokenized Cards (FSAMANAJ)
Keywords
Where CARD.com is headquartered
LocationHeadquarters
- HQ city
- San Ramon
- HQ country
- United States
- HQ region
- North America
Markets served
CARD.com business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Operations, Personnel, Infrastructure
Revenue model
- Monthly Maintenance Fees: Monthly maintenance fee of $9.95 that can be waived with qualifying direct deposit. The account offers $0 monthly fees with direct deposit setup.
- Overdraft Protection Fees: Optional overdraft protection service charging $15 per transaction when account is overdrawn beyond buffer, up to 4 fees per month.
- Mobile Check Capture Fees: Fees apply for approved Money in Minutes transactions funded to account via mobile check capture service.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Free tier with direct deposit ($0 monthly) |
| Subscription | Monthly | Overdraft Protection add-on ($15 per occurrence) |
| Usage-based | Pay-as-you-go | Optional Savings Account (0.05% APY) |
| Transaction based/ take rate | Pay-as-you-go | Transaction-based fees for instant services |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
CARD.com product offering
Product offeringCore offering
CARD.com operates a direct-to-consumer digital banking platform that delivers the CARD Premium Bank Account — a checking account established by Pathward, N.A. (Member FDIC) — paired with a customizable Premium Visa Debit Card available immediately as a virtual card at signup. The account includes QuickPay Direct Deposit for early paycheck and federal benefit access, an optional interest-bearing Savings Account, mobile check capture, Apple Pay/Google Pay wallet integration, retail cash reload through Green Dot, and surcharge-free ATM access through the MoneyPass network.
Product overview
CARD.com offers the CARD Premium Bank Account as its core product — a unified banking platform built around a checking account established by Pathward, N.A. The portfolio consists of the Premium Visa Debit Card (available as physical or virtual card) paired with supplementary services including QuickPay Direct Deposit for early paycheck access, an optional Savings Account for earning interest, Virtual Wallet for Apple Pay/Google Pay integration, Mobile Check Capture for remote check deposits, RapidAlerts for customizable notifications, Add Cash for retail cash loading, and ATM Network access through MoneyPass. The ecosystem is accessible via mobile app and connects users through a design-your-own-card experience with thousands of branded card options.
Differentiator
Problem solved
Functional benefit
Products and services
- CARD Premium Bank Account Primary checking account product established by Pathward, N.A. (Member FDIC) and offered to U.S. consumers, with $0 monthly maintenance fee when direct deposit is set up (standard fee $9.95). Includes a Premium Visa Debit Card, optional savings account, mobile check capture, early direct deposit, virtual wallet support and access to a surcharge-free MoneyPass ATM network.
- Premium Visa Debit Card Visa-branded debit card tied to the CARD Premium Bank Account, available with thousands of customizable branded designs and usable at any merchant accepting Visa, including via Apple Pay and Google Pay.
- Virtual Debit Card Digital version of the Premium Visa Debit Card provided instantly at signup, giving immediate access to the Premium Bank Account for online purchases and digital wallet use before the physical card is delivered.
- QuickPay Direct Deposit Direct deposit service that makes paychecks and federal benefits available up to 2 days faster than traditional banking policies, included at no additional cost with the CARD Premium Bank Account.
- CARD Savings Account Optional savings account linked to the Premium Bank Account and established by Pathward, N.A., Member FDIC. Earns 0.0499% interest rate (0.05% APY) paid quarterly, with a $10 minimum to open and eligibility requiring at least one qualifying payroll or government benefits direct deposit.
Quantifiable outcome
- Get paid up to 2 days faster with QuickPay Direct Deposit
- +1 more outcomes
Companies that use CARD.com
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles1 record
CARD.com technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature8 records
CARD.com partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Visa U.S.A. Inc.coreVisa licenses the Visa debit card network to Pathward for use with CARD Premium Visa Debit Cards. Cards can be used everywhere Visa debit cards are accepted globally.
- First Century Bank, N.A. / Ingo Money, Inc.coreMobile Check Capture service provided by First Century Bank and Ingo Money. Allows customers to deposit checks via the CARD app with approval typically within 3-5 minutes. Fees apply for instant funding.
- Green Dot CorporationminorGreen Dot provides cash deposit services allowing CARD customers to add cash at retail locations including grocery stores, convenience stores, and gas stations. Service fee up to $4.95.
- Western UnionminorWestern Union provides money transfer services accessible through the CARD platform, enabling international money transfers.
- MoneyPass (FIS)coreMoneyPass ATM network provides CARD customers with access to over 85,000 surcharge-free ATMs nationwide to avoid fees when withdrawing cash.
Scale indicators1 record
Recent moves6 records
Expansion highlights5 records
CARD.com competitors and assessment
Company assessmentDirect peers
- Chime: Largest US neobank offering fee-free checking, early direct deposit, and a Visa debit card via partner banks. Directly competes with CARD.com on the same digital-first, fee-friendly consumer banking positioning.
- Current: Digital-first neobank offering a checking account, debit card, early direct deposit, and custom card designs via a bank partnership. Closely mirrors CARD.com's product structure and target customer segment.
- Varo Bank: Chartered digital bank offering fee-free checking, high-yield savings, and early direct deposit. Competes in the same digital-first consumer banking category as CARD.com.
- Dave: Mobile banking platform offering early direct deposit, budgeting tools, and a debit card. Competes directly with CARD.com on the early-pay and fee-friendly consumer value proposition.
- Cash App: Block's mobile-first consumer banking and payments platform offering a debit card, direct deposit, and stored-value features. Competes with CARD.com for the same digital-native consumer segment.
- Green Dot Corporation: Major US prepaid debit card and banking-as-a-service platform that partners with retailers (Walmart, etc.) and issues Visa/Mastercard prepaid cards. Directly comparable business model and is also a CARD.com partner.
- Netspend: Prepaid debit card and banking platform targeting underbanked consumers, similar to CARD.com's value proposition. Operates through bank partnerships and competes for the same fee-sensitive customer base.
Broad incumbents
- PayPal: Major digital payments incumbent offering a PayPal debit card, direct deposit, and cash-back rewards. Adjacent to CARD.com's value proposition with broader payments and commerce reach.
Emerging players
- Revolut: Global digital banking platform expanding in the US market with multi-currency accounts, debit cards, and fee-free banking. Comparable digital-first consumer banking model with international scope.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
CARD.com social profiles
Digital presenceCARD.com compliance and trust
Trust signalCompliance2 records
CARD.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
CARD.com leadership team
Management profileNumber of profiles
Profiles1 record
CARD.com funding detail
Funding detailFunding overview
Funding rounds4 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CARD.com M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CARD.com
What does CARD.com do?
CARD.com operates a direct-to-consumer digital banking platform that delivers the CARD Premium Bank Account — a checking account established by Pathward, N.A. (Member FDIC) — paired with a customizable Premium Visa Debit Card available immediately as a virtual card at signup. The account includes QuickPay Direct Deposit for early paycheck and federal benefit access, an optional interest-bearing Savings Account, mobile check capture, Apple Pay/Google Pay wallet integration, retail cash reload through Green Dot, and surcharge-free ATM access through the MoneyPass network.
Is CARD.com a public or private company?
CARD.com is a private company. It is classified as venture growth investor backed and is currently operating.
When was CARD.com founded?
CARD.com was founded in 2012. It employs 11 to 50 people.
Where is CARD.com based?
CARD.com is headquartered in San Ramon, United States, in the North America region.
How does CARD.com make money?
Three revenue lines are on record. Monthly Maintenance Fees are the primary driver. The others are overdraft Protection Fees and mobile Check Capture Fees.
Who are CARD.com's main competitors?
Direct peers on record are Chime, Current, Varo Bank, Dave, Cash App, Green Dot Corporation and Netspend. PayPal is listed as a broad incumbent. Revolut is listed as an emerging player.
Does CARD.com have an API?
No public API is recorded for CARD.com.
What industry is CARD.com in?
CARD.com's product category is Consumer Digital Banking (Neobank). Its primary akta.pro industry code is FSAMANAJ, Virtual Prepaid & Single-Use / Tokenized Cards. Its NAICS code is 52232 and its SIC code is 6199.