Evolve Bank & TrustEarnIn CardRegistry illustration · issuer artwork unavailable

EarnIn CardEvolve Bank & Trust · SM bank, AR · FDIC 1299

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

p.3fixed

Balance transfer

—

Cash advance APR

p.3fixed

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	0%Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“0%”Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 3
APR for balance transfers	—	no source read
APR for cash advances	0%Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“0%”Evolve Bank & Trust · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 3
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Cardholder Agreement and Security Agreement for The EarnIn Card EarnIn (2)page 3 of 25

secure the Obligations (as defined under the Consumer Card Agreement at ' Your Promise to Pay ' section (below) under this Agreement. Please see the Security Agreement (below) for more information. As described in detail below, credit we extend to you is partially secured by the Secured Funds held in your Secured Account. If you do not pay us back for the Obligations incurred on your Card or Card Account when your payments are due, we may exercise our Security Interest and withdraw the amount you owe us from the Secured Funds held in your Secured Account.

You are responsible for making full payment of the Statement Balance (as defined below under Section, " What is Your Statement Balance? ') shown on your Statement by the due date indicated on your Statement, although you may choose to pay earlier. If you have not paid by the due date, your Card Account will be considered past due and you will not be able to use your Card until you have paid any past due amounts.

PRICING INFORMATION TABLE

Payment Information

Charges are due and payable upon receipt of your Statement and must be paid no later than the Payment Due Date.

PRICING INFORMATIONPricing will vary by cardholder Purchase Annual Percentage Rate (APR) · 0% Cash Advance atATM Annual Percentage Rate (APR) · 0% Penalty APRandWhenit Applies · .001% This APRmayapply to your account if you are more than 365 days late in making your required payment and we send you notice 45 days before we apply this APR. Howlong will the Penalty APRApply? If the Penalty APRis applied, it will apply to any outstanding balance that is more than [three hundred sixty-five (365) days] late until the balance is paid in full.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25Page 3 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 3
“0%”
Read exact source ↗
Evolve Bank & Trust
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 3
“0%”
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Cash advance APR, Purchase APR

Offered through: Evolve Bank & Trust
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 1299
Branches: 10 in AR, TN
Sources: Official issuer · 1 document · 1 page cited

Documents

Cardholder Agreement and Security Agreement for The EarnIn Card EarnIn (2)effective date not parsed

EarnIn CardEvolve Bank & Trust · SM bank, AR · FDIC 1299

Rates and fees