Introducing the MoMo Card
Unlock unlimited cashback and build your credit history with the MoMo Card.
What exactly is the
MoMo Card?
The MoMo Card is a unique secured credit card that combines the best features of both credit and debit cards. Like a debit card, you load money onto the MoMo Card and spend only what you have. But unlike a traditional debit card, we report all your transactions to the major credit bureaus at the end of each month. This helps you build your credit history with every purchase.
But that's not all! Every time you use your MoMo Card, you earn cash back! Enjoy unlimited 1% cash back on every purchase.
Earn Cash Back on Every Purchase!¹
With the MoMo Card, every transaction turns into a rewarding experience. Enjoy unlimited 1% cash back on everything you buy, from groceries to gas and online shopping.
Build Your Credit History Effortlessly²
We report all your transactions to the three major credit bureaus. Every swipe of your MoMo Card helps build your credit history, seamlessly improving your credit score for future financial success.
Enjoy the Perks Without the Fees
The MoMo Card offers incredible benefits without any annual charges, allowing you to keep more of your money while enjoying all the perks.
Spend Freely Without Constraints
Use your MoMo Card without the hassle of a minimum deposit requirement and forget about interest charges. It's a straightforward, no-nonsense approach to spending.
Hassle-Free Sign-Up
Getting your MoMo Card is quick and easy. No need to worry about your credit history—sign up without a credit check and start building your credit today.
Secure and Insured
Your funds on the MoMo Card are FDIC insured, giving you peace of mind with every purchase. Spend confidently, knowing your money is secure
How It Works
Get Started With The MoMo Card
Download the app
Create your free Benjamin account and join our community of earners.
Sign up for the MoMo Card
It only takes a few minutes. No credit check, no annual fee, no minimum balance.
Use Your MoMo Card
You can use your MoMo Card wherever Mastercard is accepted. In-store or online.
Earn and Spend Rewards
In addition to getting unlimited 1% cash back on every swipe, you can also spend your cash rewards earned through the Benjamin App.
Join Now & Start Earning!
Ready to unlock limitless rewards and build your credit history with the MoMo Card? Click the button below to download and be the first to know when it launches!
Frequently Asked Questions
You earn unlimited 1% cash back on every purchase, with no limits on how much you can earn.
No, getting your MoMo Card and enjoying its benefits is completely free.
Cash back rewards will automatically be added to your Benjamin Wallet. You will need to manually transfer those funds to your MoMo Card Balance in the Benjamin app. But it is just a few simple clicks. PLUS any cash rewards earned through the Benjamin App can be added to your MoMo Card Balance and can be spent instantly wherever Mastercard is accepted.
Benjamin is a financial technology company, not a bank. Banking services are provided by a Member FDIC bank. The MoMo Mastercard® Secured Card is issued pursuant to a license from Mastercard U.S.A. Inc. and may be used everywhere Mastercard is accepted. ¹See MoMo Cash Back Program Terms & Conditions for details. ²This Card is designed to help you build your credit history; however, a variety of factors impact your credit including payment history, utilization, derogatory marks, account age, total number of accounts, and inquiries—not all factors are equally weighted.
