Fruitful Cash & Card: Earn More While You’re in Control
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The Quick Take
Your Fruitful Cash Accounts organize your money, pay you a high yield, and power every automation. Earn 4.00% Annual Percentage Yield1 on all your cash in your accounts. Your Fruitful Card makes spending smarter, with no debt, no interest, and no surprises. Together, they turn every paycheck into progress. Get up to 2% cash back2 on all of your spending. No debt risk, no carryover balances. Stay organized, on track, and always earning.
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What’s Fruitful Cash?
The Fruitful Cash Account is where your plan comes to life and earns interest to fund what matters in your life. Every part of your Money Map – Bills, Spending, and Goals — gets its own dedicated account inside Fruitful. That keeps your money neatly organized and always earning a high yield, whether you plan to spend it tomorrow or save it for years.
4.00% Annual Percentage Yield1, on all Fruitful Cash Accounts. Even the one for your Bills.
No minimums. No fees beyond your membership.
Protected by $250,000 in FDIC insurance through our partner bank3.
What’s Fruitful Card?
The Fruitful Card is your day-to-day spending tool. It looks like a regular credit or debit card, but it has super powers – it’s a secured charge card that works in a safer, smarter way.
- Every time you make a purchase, the money is instantly set aside in your Cash Account, still earning interest until your monthly statement closes.
- Turn on Autopay and the Card is paid off at the end of each month with the funds already reserved.
- That means no interest, no debt stacking up, and no missed payments
- And earn 2% Cash Back on all spend with qualified direct deposits2
Spend confidently. Stay organized. And grow while you do it.
Why It Matters
Traditional creditors make money when you forget, overspend, or carry a balance. Fruitful is built the opposite way, so you earn, save, and spend without stress.
- High yield on all your cash. Not just your savings – your everyday money earns too.
- Reserved funds. You’ll never carry interest or fall into debt with your Fruitful Card.
- Cash back that compounds. Rewards grow your balance, not your guilt.
- Built-in discipline. Every swipe stays within your plan.
With Fruitful Cash & Card, your finances don’t fight you –they follow your plan.
The Process: Smarter Spending & Saving
Fruitful Cash & Card are built to make your finances feel seamless. Here’s what happens behind the scenes every time you get paid—or spend.
How Fruitful can get you to progress faster
- Fewer steps to action: Meeting → plan → automation
- Single source of truth: One app for plan, accounts, and rules (vs. scattered tools)
- Behavioral design: Defaults and automations reduce decision fatigue and “I’ll do it later”
- Human + technology: Your Guide sets the direction; automations keep it moving—24/7
What You Get With Fruitful
- Money Map: A clear, living blueprint for your monthly money
- Income Split automations: Deposits auto-route to the right places
- 1:1 human guidance: Message, meet, and decide together
- Unified app: Plan + accounts + actions in one place
- Best Banking Card Product*: Earn high yields, cash back, and more
- Progress tracking: Watch your savings and goals move, automatically
- Calm: No more guesswork, guilt, or “we’ll get to it next month”
Step
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What's Happening
Money flows in.
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Your paycheck lands in your Fruitful Cash Accounts, split automatically by your Income Split rules.
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Each goal gets an account.
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Bills, spending, savings, goals – each has its own high-yield Cash Account.
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You spend with the Fruitful Card.
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Each purchase instantly sets aside money in your Cash Account to cover it.
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The card balance grows.
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While that money waits to be paid, it still earns interest.
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The statement closes.
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Your Card is paid off with already-reserved funds—no interest, no debt.
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You earn Cash Back.
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2% cash back2 goes right into your Cash balance alongside your qualifying direct deposit, where it keeps compounding.
Money flows in.
--
Your paycheck lands in your Fruitful Cash Accounts, split automatically by your Income Split rules.
%%
--
Each goal gets an account.
--
Bills, spending, savings, goals – each has its own high-yield Cash Account.
%%
You spend with the Fruitful Card.
--
Each purchase instantly sets aside money in your Cash Account to cover it.
%%
The card balance grows.
--
While that money waits to be paid, it still earns interest.
%%
The statement closes.
--
Your Card is paid off with already-reserved funds—no interest, no debt.
%%
You earn Cash Back.
--
2% cash back2 goes right into your Cash balance alongside your qualifying direct deposit, where it keeps compounding.
Step
--
What's Happening
Additional articles
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© Fruitful 2025 — All rights reserved. “Fruitful” refers to Fruitful, Inc. and its wholly-owned, affiliated, and separately managed subsidiaries, Fruitful Financial, LLC and Fruitful Advisory, LLC, an SEC-registered investment adviser. To learn more about Fruitful Advisory, LLC please view its Form ADV Part 2 and Form CRS available at www.adviserinfo.sec.gov. Registration with the SEC does not imply any level of skill or training.
This information is provided by Fruitful for educational and illustrative purposes only and is not considered an offer, solicitation of an offer, advice, or recommendation to buy, sell, or hold any security. All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Rebalancing cannot assure a profit or protect against loss in a declining market. Fruitful relies on information from various sources believed to be reliable, including information from its Members, Clients, and other third parties, but cannot guarantee the accuracy or completeness of that information.
Fruitful is a financial technology company, not a bank. Deposit accounts provided by Emigrant Bank, Member FDIC. Funds in the bank accounts are insured for up to $250,000 per depositor, depending on the ownership category. Interest rates are variable and subject to change at any time. These rates are current as of July 18, 2024.
¹ The people in these videos are real Fruitful Members who were paid in cash for their time and participation in this series. We think that is fair. Each testimonial reflects the individual Member's experience as an advisory Client and is not intended to represent any other Member's or Client's experience. We believe in the integrity of this approach and that, outside the conflict of interest present due to compensation, no other conflicts apply to these testimonials. These Client testimonials were given in October 2023, represent the opinions of each Member at that time, and may have been edited for brevity and clarity.
² Cost of traditional advisory firms sourced from The Kitces Report, Volume 2, 2022, Figure 61. Distribution Of Typical Annual Retainer Fee.
© Fruitful 2025 — All rights reserved. “Fruitful” refers to Fruitful, Inc. and its wholly-owned, affiliated, and separately managed subsidiaries, Fruitful Financial, LLC and Fruitful Advisory, LLC, an SEC-registered investment adviser. To learn more about Fruitful Advisory, LLC please view its Form ADV Part 2 and Form CRS available at www.adviserinfo.sec.gov. Registration with the SEC does not imply any level of skill or training.
This information is provided by Fruitful for educational and illustrative purposes only and is not considered an offer, solicitation of an offer, advice, or recommendation to buy, sell, or hold any security. All investing involves risk, including the risk of losing the money you invest and past performance does not guarantee future performance. Only members of Fruitful have access to products and services across the Fruitful affiliates and subsidiaries.
Fruitful is a financial technology company, not a bank. Deposit accounts provided by Emigrant Bank, Member FDIC. The Fruitful Card is issued by Emigrant Bank pursuant to license by Mastercard International Incorporated.
¹ The Annual Percentage Yield (APY) is accurate as of 11/01/2025. The interest rate and corresponding APY is variable and set at our discretion. Interest is compounded daily and paid monthly. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
² To be eligible for 2% cash back, Members must receive a qualifying direct deposit to your Fruitful Cash Account. See full Fruitful Card Rewards Program Terms and Conditions.
³ Funds in your Fruitful deposit account(s) are held at Emigrant Bank, Member FDIC and are eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. Fruitful Financial, LLC is not an FDIC-insured bank and FDIC insurance only covers the failure of Emigrant Bank. Fruitful Financial, LLC, must satisfy certain conditions for pass-through deposit insurance coverage to apply.
* Winner, ‘Best Banking Card Product’ Award from Tearsheet in 2025: https://tearsheet.co/announcement/announcing-the-winners-of-the-big-bank-theory-awards-2025/