Rebl - Credit Simply Based On Your Income and Expenses

Credit. Done Differently.

Rebl is the first credit card designed to help you take charge and maintain control of your finances. Instead of a traditional credit score to qualify you, our decisions are based on the assets you own, the money you make and the bills you already pay.

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WE BELIEVE IN SIMPLICITY

OPEN A ACCOUNT IN MINUTES

Unlike other credit cards, opening an account with us only takes a few minutes, and we’ll set you up with a virtual card number to start making purchases right away.

LIMITS WITHIN REACH

Your income and expenses define your credit limits, so we always provide a limit that is within reach of paying off at the end of the month. Gone are the days of carrying a balance for years and never paying anything towards the principal.

NO INTEREST, PERIOD

Since Rebl is a charge card and balances need to be paid off monthly, you never accrue interest. Charges over 30 days are billed into one monthly payment.

TAKE CHARGE OF YOUR FINANCES

BUILD CREDIT

Rebl reports your on-time payment information to Equifax, Experian, and TransUnion to help you build or rebuild your credit history.

BUILT-IN BUDGETING

We’ll show you exactly where your money is going each month, and even let you set up monthly budgets for things like restaurants and groceries.

INSTANT SPENDING NOTIFICATIONS

We’ll send you a notification the second you make a payment with your card, even before the receipt has finished printing.

SECURITY MADE SEAMLESS

FREEZE AND UNFREEZE YOUR CARD

If you lose or misplace your card, freeze it within the app, and we’ll have a new one sent out to you. If you find it again, unfreeze your card from the app.

CONTROL HOW YOUR CARD WORKS

Take control over your account and turn off things like contactless, swipe payments, and online payments all from within the app.

LOCATION-BASED SECURITY

Turn on location-based security and, if your card is used in a different location from where you are, we’ll automatically block any payments and let you know.

FAQs

In order to qualify for Rebl, you must have a US bank account with a steady stream of income. Our limits are determined on your minimum average end-of-day balance on paydays to make sure that you can comfortably repay the balance.

Our limits are determined on your minimum average end-of-day balance on paydays to make sure that you can comfortably repay the balance. In the future, we plan to include assets such as real estate, stocks, vehicles and cryptocurrency to determine limits.

No. Applying for Rebl, whether your application is approved or rejected, will never affect your credit score.

Rebl doesn’t charge you fees or interest. Instead, we simply receive a small fee from the merchant for each purchase you make with your Rebl card.

Your expenses are consolidated over 30 days into one monthly payment that is deducted automatically from your bank account.

No. The entire balance must be paid back at the end of each statement period.

At least 3 recurring paycheck direct deposits from the same employer. ATM deposits, Paper checks, Cash transfers, DO NOT qualify.

Your checking account has to have at least 60 days of activity. The balance needs to be greater than $0. There needs to be a balance in your account at the end-of-day on paydays and the first day after previous paydays.

Failure to pay your balance may result in your account being closed and being banned from using Rebl in the future. So, if you're past due, please make a payment in the app as soon as possible. Before we collect the payment, we'll check your bank account balance to make sure that it's safe to withdraw. Then, Rebl will attempt to collect the funds every day with partial or full payments, but it is still your responsibility to make a payment.

By analyzing your expenses and income history, Rebl will be able to accurately predict what limit to assign to you.

Yes! We plan on reporting to them as this is essential for your to build/rebuild your credit.

Our access to your accounts will be read-only (we cannot overwrite or modify your data) and we will use 2048-bit encryption to protect the transmission of your data to our site. Your sensitive data will be all encrypted.

Great! That's how we like it. But honestly, there's no catch. The fact is, people are so tired of being taken advantage of by banks and existing credit cards so we decided to build something that really helps them.

We are planning to launch at the end of 2019. Right now we are working to find the best launch partners to make sure our users have the best experience possible. If you have a service/product that you would like to share with our users, please drop us a line at hello@rebl.cards

Be one of the first to get a Rebl Card.