Meet the Affirm Card™

With no card fees, hidden fees, or compound interest—you’ll be able to manage your cash flow with more flexibility. Request to pay over time in the Affirm app, then swipe. Application and approval are subject to eligibility. See how it works.

Flexible payment plans

Discover interest-free options and longer plans in the app.

Take it with you everywhere

Get a free physical card to use in stores. With both a physical and virtual card, you can pay anywhere Visa is accepted in the U.S.

No credit impact to apply

See how much you can spend without dinging your credit score.

No card fees

We don’t charge hidden fees or annual fees.

So, how does it work?

Plan to pay over time

Planning a big purchase? Request a payment plan in the Affirm app before checkout. You’ll know how much you can spend ahead of time—and checking your purchasing power won’t impact your credit score.

Link a bank account

You can use an Affirm Money™ Account or link your external bank account to unlock all the Affirm Card features.

Pay In Full

Making an everyday purchase? Use your card for that, too. Just make sure to link an account.

Split after checkout

After you’ve paid for an eligible purchase of $50+ with your Affirm Card, you’ll have 24 hours to request a payment plan after checkout.

Discover the app

Questions? We're here to help

The Affirm Card sounds great. How do I know if I qualify?

How do I pay over time using the Affirm Card?

Will there be interest on payment plans?

Will requesting a payment plan affect my credit?

Are there overdraft fees?

The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. You must request and be approved to get the Card. Getting the Card does not guarantee the ability to pay over time. You must apply for pay-over-time plans for each purchase in the mobile app. Pay-over-time plans are subject to eligibility checks and are provided by affirm.com/lenders. A minimum purchase of $50 is required to pay over time. For pay in full purchases, including purchases that are not approved for and matched to pay-over-time plans, you authorize one or more electronic debits from your linked bank account for up to the total amount of all pay in full purchases made on your Card since the last successful debit was initiated. Funds will pull from your linked bank account within 1-3 days of the purchase.

Your rate for pay-over-time plans will be 0%–36% APR based on credit. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, may depend on whether your loan is applied for before or after your Card purchase, and may not be available in all states. A down payment may be required. For example, an $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.

CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.