The toWealth Credit Card offers credit today with an attached savings account that increases your available credit as your balance grows. The toWealth Credit Card can be used anywhere Mastercard is accepted. When you get a toWealth Credit Card, you also get a Savings Account.

The high yield Savings Account doubles as your Security Deposit. The Savings Account is opened for you at The Bank of Missouri, member FDIC. Your credit card begins with an unsecured limit (up to $2,500), and toWealth deposit $5 into your Savings Account to establish it.

Your Credit Card starts out Secured by the $5 making it a Secured Credit Card. However, unlike traditional Secured Credit Cards, you receive an unsecured limit (up to $2,500) upon issuance of your Card. Funds in your Savings Account are subject to severe limits on withdrawal while there is a balance on your Credit Card Account.

Your Available Credit is always at your fingertips through our Mobile App. It's like having an ATM in your pocket! In the mobile app, you can get cash, make payments, check your available credit and more.¹

Your Savings Account is kept at The Bank of Missouri, an FDIC insured bank. This Savings Account is your security deposit for your toWealth Credit Card.

Upon application approval, we send you our toWealth Credit Card. You also receive a Savings Account, which ultimately secures your card.

Every month, part of your payment goes into your Savings Account, which earns interest. Plus, every eligible card purchase receives 1% Cash Back directly to your Savings Account, boosting your savings effortlessly.

Yes, your Savings Account is your Security Deposit for your toWealth Credit Card. As your Savings Account grows, so does your Credit Limit.

The amount of your credit card balance will determine your monthly payment, but if your total credit card balance was $300, your payment would be $115.85, with $100 being deposited into your Savings Account.

Your toWealth Credit Card Rates and Terms can be found in the Rates and Terms.

Boosting your Savings Deposit is a breeze with our Mobile App. Just a few taps and you're all set. Need to dial it back later? Easy, just keep in mind there is a minimum monthly payment. We're all about helping you grow your wealth, break free from the cycle of debt, and build that all-important rainy day fund. Just go to the My Profile section of the toWealth Mobile App.

Unlike typical credit card, we aim to help you pay off your balance in approximately 60 months. Unlike traditional credit cards with payments that can drag on for years, we adjust your monthly payment based on your current balance to keep you on track for a 60-month payoff. Each time you use the card, we recalculate your payment to ensure the new balance is paid off within a new 60-month period. Plus, your $100 monthly Savings Account contributions (minimum $100 but dependent on your starting Credit Limit) could grow to over $6,000 during this time, building your savings while you pay down your debt!

Our team of friendly representatives is just a call away at (800) 988-7782, ready and eager to assist you.