toWealth

Thrivos, Inc.

About this app

toWealth Mastercard®:


How It Works

• 100% in-App application
• Good credit, bad credit, no credit - everyone is welcome to apply
• Apply in Minutes for a Real-time Decision
• If Approved:
  ◦ Instant Cash Advance directly to your Bank Account in about 10 minutes*
  ◦ Credit Card arrives in about a week
  ◦ New Savings Account linked to your Card earning up to 3.5% APY*
• Grow as you go with Qualifying On-time Payments:
  ◦ Grow your credit limit by $100 per month*
  ◦ Grow your Savings by $100 per month that ultimately secures your Card
  ◦ Part of your payment is added to your Savings Account, and over time, your toWealth Mastercard becomes fully secured
• Swipe your Card and earn 1% Cash Back on eligible purchases

More Affordable than Payday Loans
• If your Card Balance is $500, your Monthly Interest is about $15 (APR 35.99%).
• For a $200 Cash Advance, your fee is the greater of $10 or 5% of advance.

Other Features
• Mastercard® accepted worldwide
• Request Instant Cash Advances 24/7, —anytime, anywhere
• High-yield Savings Account (up to 3.5% APY) *
• 1% cash back on all eligible purchases

Awesome Mobile App
• 24/7 Access
• Get Cash Advances, Make Payments
• Track available credit, savings and card activity
• Transfer Funds to your Savings Account
• Secure Account Management



*Important Disclosures
• Partnership and Licensing: toWealth is a fintech company, not a bank. toWealth Mastercard is issued by The Bank of Missouri, serviced by toWealth. The Savings account is provided by The Bank of Missouri, Member FDIC.
• Instant Transfers: Instant Transfers are optional, subject to qualifying bank accounts, and fees may apply. Instant Transfers to your bank account arrive in less than 10 minutes (most cases). An optional $3.75 fee applies for instant delivery; ACH transfers are $0.
• Savings and APY: APY means Annual Percentage Yield, and the rate is variable and may change at any time. Once your savings equals your credit limit, every dollar of your on-time payment deposited into your savings account increases your credit limit dollar for dollar. Your monthly payment includes $100 (minimum) that is added to your Savings Account.
• Account Fees & Costs:
  ◦ APR: 35.99%
  ◦ Annual Fee: $50
  ◦ Cash Advance Fee: $10 or 5% (whichever is greater), max $75
  ◦ Return Payment Fee: $25 | Late Fee: Up to $30.
• toWealth Mastercard is subject to Credit Approval.

About toWealth
toWealth is a fintech company focused on building smarter, technology-driven financial products that help people build financial stability.
Website: https://towealth.com
Privacy Notice: https://towealth.com/privacy-notice
Privacy Policy: https://towealth.com/privacy-policy
Terms of Use:
Questions? Email at [e-mail]

What’s new

The toWealth Mastercard® is a secured credit card with a built-in high-yield Savings Account. Every payment you make grows your savings. As your savings grow, so does your credit limit, dollar for dollar, turning everyday spending into a personal wealth building engine.