A debit card that pays 3–4% APY on your entire balance
With the ACK card, your entire balance earns 3–4% APY, every day. There is no minimum balance to earn — and every purchase also earns 0.5–1% cashback.
Last updated:
How much would my balance earn?
Balance kept for a full year:
| Balance | Average checking (0.07%) | ACK card at 3% APY | ACK card at 4% APY |
|---|---|---|---|
| $1,000 | $0.70 | $30 | $40 |
| $5,000 | $3.50 | $150 | $200 |
| $10,000 | $7 | $300 | $400 |
| $15,000 | $10.50 | $450 | $600 |
| $25,000 | $17.50 | $750 | $1,000 |
Try your own number in the APY calculator.
How does that compare?
The average U.S. checking account pays 0.07% — $7 a year on $10,000. Even the average savings account pays only 0.37% (FDIC National Rates and Rate Caps, September 2026). The ACK card pays 3–4% APY on your entire balance: more than 40 times the average checking rate, with no minimum.
Sources: FDIC national rate, interest checking (FRED: ICNDR) · FDIC national rate, savings (FRED: SNDR). September 2026 release.
What is APY?
APY (annual percentage yield) is the rate your money earns in a year, including the effect of compounding. What is APY?
Questions
How does my money earn?
Your entire balance earns 3–4% APY, every day, and every purchase earns 0.5–1% cashback.
Is there a minimum?
No. No minimum balance to earn, no minimum spend to earn cashback.
Is my money safe?
Yes. Your money is held at an FDIC-insured partner bank or in a U.S. Treasury money-market sweep — two of the safest places money can sit: a government-insured bank account, or U.S. government securities.