Frosted polycarbonate over a steel core · 18 g
No number on the front. It lives in the app, behind Face ID
1% back on everyday spend, paid into your line
Freeze it, unfreeze it or order a new one in two taps
02 — What it does
A card that
knows it’s a loan.
Every month
Spend becomes a draw
On the 1st, last month’s purchases become one draw. Pick 3 to 24 months, or pay it in full with no interest.
Everyday
1% back
On groceries, fuel, transit and bills. Paid into your line, so it lowers what you owe.
Abroad
No FX fees
Pay in the local currency at the network rate. No foreign transaction fee, anywhere.
Always
Freeze in one tap
Lost it? Freeze it in the app, order a new one, and keep paying with the virtual card meanwhile.
One credit line.Every plan in it.
Draw what you need for each plan, when you need it. Every draw gets its own fixed payment and its own end date, so nothing blurs together.
See how draws work→04 — Compared
Next to a
typical card.
Oculen card
A typical credit card
Rate
Fixed, 7.9%–29.9% APR
Variable, often 21%–30% APR
End date
Every draw has one
None while you pay the minimum
Annual fee
$0
$0–$695
Foreign transactions
No fee
Up to 3%
Paying early
No fee, less interest
No fee
Card number
In the app only
Printed on the card
05 — Security
Five locks.All of them on.
- 01Soft checks only
Lenders can't see your rate check. The hard pull happens once, when you accept.
- 02256-bit encryption
Your data is encrypted in transit and at rest, and never sold.
- 03Held at a partner bank
Funds are held at Harrow & Pine Bank, N.A., member FDIC.
- 04Face ID and a device key
Signing in needs your face or fingerprint and this phone.
- 05People watching for fraud
A fraud team works around the clock and calls you before it blocks anything.
The card spends from your line. At the end of each month, card purchases become one draw with a fixed payment you choose, from 3 to 24 months.
No. The card number, expiry and security code live in the app, behind Face ID or your passcode. You can view or change them in seconds.
Freeze it in the app with one tap, then order a replacement. A new card arrives in 3 to 5 business days, and you can use the virtual card straight away.
Anywhere cards are accepted, in person and online, in the US and abroad. We don't charge foreign transaction fees.
Checking your rate is a soft credit inquiry. Loans and lines are issued by Harrow & Pine Bank, N.A., member FDIC, and Calder Trust Bank. Not available in all states.