Giving you the power to master your finances
NinjaCard® offers a 100% online experience to help you borrow, save, and spend like never before. Build credit history, access more affordable credit options, and achieve your financial goals.
NinjaCard® Premier account holders have the opportunity to apply for our NinjaCard® Line of Credit,† in addition to the benefits of an FDIC-insured checking and savings account,†† Visa® debit card, and access to your direct deposit up to two days early.‡ With line of credit limits starting at $500,* you can borrow what you need, when you need it. Make a draw from your available line of credit, and it will immediately be available in your checking account. Use your debit card to access these funds!
With NinjaCard® Premier, you will also be enrolled into our financial mastery program, the NinjaCard® Belt System. Here you will start out as a White Belt with a $500 credit limit. Once you gain the skills required to rank up to Yellow Belt, your credit limit may be increased to $1,000 while your draw fees go down.
You will incur a draw fee each time you take a draw from your line of credit.
Your carried balance fees and due dates are determined by whether you are paid once a month or more than once a month, such as every other week or semi-monthly. If you are paid more than once a month, you will receive a billing statement every two weeks with the “Non-Monthly Payment” Carried Balance Fee amount due. If you are paid once a month, you will receive a billing statement once a month with the “Monthly Payment” Carried Balance Fee amount due. These Carried Balance Fee amounts can be seen in the fee schedule below.
| Amount Borrowed | White Belt Fee | Yellow Belt Fee |
|---|---|---|
| $5 | $1 | $0.75 |
| $10 | $2 | $1.50 |
| $20 | $4 | $3.00 |
| $30 | $6 | $4.50 |
| $40 | $8 | $6.00 |
| $50 | $10 | $7.50 |
| $100 | $20 | $15 |
| $200 | $40 | $30 |
| $300 | $60 | $45 |
| $400 | $80 | $60 |
| $500 | $100 | $75 |
| $600 | N/A | $90 |
| $700 | N/A | $105 |
| $800 | N/A | $120 |
| $900 | N/A | $135 |
| $1000 | N/A | $150 |
| Carried Balance | Non-Monthly Payment | Monthly Payment |
|---|---|---|
| $0-$50 | $0 | $0 |
| $51-$100 | $2.50 | $5 |
| $101-$200 | $5 | $10 |
| $201-$400 | $7.50 | $15 |
| $401-$600 | $12.50 | $25 |
| $601-$800 | $15 | $30 |
| $801-$1000 | $17.50 | $35 |
Build credit history, save money, master your finances.
You can borrow what you need, when you need it and you only pay for what you use! Unlike an installment loan, you don’t have to borrow the full amount that you are approved for.
There is also no limit to the number of times you can borrow, up to your available credit limit.* You can draw, repay, and draw again as often as you like, within your available credit limit!
