Make your money go further

NinjaCard Perks gives you access to deals, discounts, and rewards from the brands you already use — all inside the NinjaCard app.

Download the NinjaCard App – Free

Already have the app? Go to Perks

It's Simple

Perks is a feature inside your NinjaCard app that connects you to savings from real brands—think discounts, ways to earn, and member-exclusive deals.

No searching. No clipping.

Just open NinjaCard, tap Perks, and start saving.

Your account. More value.

Deals from brands you use

Discounts and offers from popular retailers available to you as a NinjaCard customer.

Updated regularly

New perks are added often, so there's always something worth checking.

All in one place

Every offer can be found inside your NinjaCard app. One tap to explore.

Here’s a taste of what’s inside

Perks covers the things that actually matter to your wallet:

Earn money playing games

Play games and earn real cash through the app. Cash out when you reach $10.

Start Playing

Save on what you’re already paying for

Discounts on meal delivery, streaming services, and the subscriptions already in your budget.

View Discounts

Shop and save on the brands you love

Deals on top clothing, electronics, travel, and more.

View Deals

Your offers are waiting

Could save up to $1,100/year with Insurify

Free shipping on $35+ at Walmart

Up to 40% off at Nike

Save up to 35% at Budget Car Rental

30% off first order at DoorDash

Log in or download the NinjaCard app to see your current offers.

Already have the app?

Your perks are ready. Tap below to go straight there.

Open Perks in the App
NinjaCard

NinjaCard isn’t a bank — it’s the financial platform focused on real progress for Americans that traditional banks overlooked.

About NinjaCard®

NinjaCard® is a full-service financial solution designed to meet your banking and borrowing needs.  NinjaCard® features a checking account, accessed by your Visa® debit card, and a savings account that can earn interest (“FlexBanking”).  FlexBanking™ is provided by Republic Bank of Chicago, Member FDIC.  Additionally, you can draw funds from an optional line-of-credit (“LOC”), borrowing only what you need, receiving draws to your checking account, making LOC payments tailored to your regular income interval, and reborrowing as many times as you want up to your credit limit (“FlexLine”).  FlexLine™ is provided by First Electronic Bank, an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah (“FEB”) or other the lender named in the LOC Agreement.

Talk to us:

© 2026 NinjaCard LLC. All Rights Reserved.

NinjaCard, LLC is a financial technology company, not a bank. Although NinjaCard, LLC acts as program manager for NinjaCard® FlexBanking™, the deposit account products and deposit account banking services, including the NinjaCard Visa® Debit Card are provided by Republic Bank of Chicago, Member FDIC (“Republic Bank”). Similarly, although NinjaCard, LLC acts as program manager for NinjaCard® FlexLine™, the lender on the line-of-credit (“LOC”) is First Electronic Bank, an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah or another lender named in the LOC agreement.

*Lender Disclosures. In these FlexLine™ lender disclosures, the terms “FlexLine™” and “NinjaCard® FlexLine™” mean the line-of-credit (“LOC”) issued by First Electronic Bank, an FDIC-insured, state-chartered industrial bank headquartered in Salt Lake City, Utah (“FEB”) or another lender named in the LOC agreement. The lender that issues your FlexLine™ may vary based on your state of residence and credit limit. To identify the lender of your FlexLine™, refer to the first paragraph of the Terms and Conditions of the LOC agreement. The LOC agreement—not any other document, statement, or action—shall govern the identity of your FlexLine™ lender. The FlexLine™ lender makes the loan decision, communicates the decision to the applicant, and disburses LOC draws to approved applicants. NinjaCard, LLC, the program manager for FlexLine™, services and collects your FlexLine™ on behalf of the lender. Accepted payment methods for FlexLine™ include debit card, one-time ACH or recurring ACH—which you may authorize through your secure online account located at www.ninjacard.com—and personal check, money order, or cashier’s check—which you mail to the remittance address listed in the LOC agreement. The FlexLine is a line of credit and not a deposit or savings account. As such, it is not FDIC insured. However, any deposit or savings account offered in connection with the FlexLine may be FDIC insured, subject to the terms and conditions of that account. Cash and in-person payments are not accepted. FlexLine™ may not be available to residents of some states. See disclaimers appearing on the FlexLine application for details.

**Draw Disclosures. You need not hold a NinjaCard Visa® Debit Card to be eligible for a FlexLine™. Similarly, you need not open a FlexLine™ to be eligible for a NinjaCard Visa® Debit Card. If you obtain both a NinjaCard Visa® Debit Card and a FlexLine™, then the FlexLine™ lender will disburse LOC draws to either your NinjaCard checking account held by Republic Bank of Chicago, Member FDIC (“RBC”) or any U.S.-domiciled deposit account you choose to link to your FlexLine™. If you open a FlexLine™ but do not obtain a NinjaCard Visa® Debit Card, then the FlexLine™ lender may disburse LOC draws to your linked external bank deposit account. If you do not link a bank account, then we will disburse LOC draws by mailing a check to your address of record. Your use of the NinjaCard Visa® Debit Card or any other FlexLine™ linked account will never automatically initiate a LOC draw, even if the proposed transaction would exceed the balance of the deposit account to which the card is attached. Instead, you must affirmatively authorize a LOC draw by either logging in to the NinjaCard® online banking platform (www.ninjacard.com) or using the NinjaCard® mobile application. LOC draws disbursed to your linked bank account will generally become available 1-2 business days after you request the draw. The funds availability policies of the financial institution holding your bank account could delay draw availability beyond this 1-2 business day period. As the LOC lender has no control over the funds availability policies of your linked bank, you should review your bank’s deposit-account disclosures for details.

†Deposit Disclosures. In these FlexBanking™ deposit disclosures, the terms “FlexBanking™” and “NinjaCard® FlexBanking™” mean, collectively, the NinjaCard Visa® Debit Card and the checking and savings accounts held by Republic Bank of Chicago, Member FDIC. Republic Bank issues the NinjaCard Visa® Debit Card pursuant to a license from Visa U.S.A. Inc. The card may be used everywhere Visa® Debit Cards are accepted. Republic Bank holds two deposit accounts, a checking account associated with your NinjaCard Visa Debit Card and a savings account. You cannot have a checking account without the companion savings account. Funds deposited in the checking and savings accounts are insured aggregately up to $250,000. Banking services may not be available to residents of some states. See disclaimers appearing on the account application for details.

††Rewards Disclosures. This paragraph applies only to lines-of-credit in which CreditNinja, a non-bank licensed lender, is the lender on the LOC. Under the NinjaCard® rewards program, eligible customers may receive reduced FlexLine™ finance charges. Rewards eligibility requirements include avoiding any fee delinquency or negative balance in your FlexBanking™ checking and savings accounts, avoiding any payment delinquency in your optional FlexLine™, and authorizing the direct deposit of at least $500 of recurring monthly income (e.g., not loan proceeds) to your FlexBanking™ checking account. See the NinjaCard® website (www.ninjacard.com) for details concerning your eligibility and benefits. Please note: NinjaCard® rewards are available only for LOCs in which CreditNinja is the lender. NinjaCard® rewards are not available for FlexLine™ LOCs provided by First Electronic Bank. Additionally, no FlexLine™ LOC is provided by Republic Bank of Chicago.

‡Early-Access Disclosures. Early access to direct deposit funds to your FlexBanking checking account depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date.

‡‡APY DISCLOSURES. The Annual Percentage Yield (“APY”) for the NinjaCard® savings account is variable and may change at any time. The disclosed 0.35% APY is effective as of May 16, 2026. No minimum balance is required. See the Deposit Rate Disclosure for the current APY.

Mobile Application. You can manage your NinjaCard® features—including your NinjaCard Visa® Debit Card, your FlexBanking™ checking and savings accounts, and your FlexLine™ line-of-credit—with either the online banking platform, located at www.ninjacard.com, or the NinjaCard® mobile application, available on the Apple App Store and Google Play. We may use push notifications to send you account updates, product alerts, and promotional messages. You can manage your notification preferences in your device or app settings. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

Notice of Furnishing Negative Information. NinjaCard, LLC may report information about your NinjaCard® FlexLine™ account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Important Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.