The Affirm Card™

The power of Affirm. Now in your wallet.

Have it all with the Affirm Card—the flexibility to pay now and over time, without any of the fees or compound interest you’d get with a credit card. See how it works.

Take it with you everywhere

Use the Affirm Card online or in person anywhere you need to pay, from your next vacation to your favorite coffee shop.

No late fees, hidden fees, or paying interest-on-interest

Just a convenient way to get the things you need without paying for them all at once.

Affirm meets your everyday

You don’t need a plan every day, but you do need a cup of coffee. The Affirm Card works with your bank account so you can use Affirm at every checkout.

So, how does it work?

The Affirm Card works with your bank account to give you the most options at checkout.

If you’re planning ahead, request a payment plan in the app before you check out.

Shopping on the go? Link your bank account to pay with your card almost anywhere. And use the app to request plans for eligible purchases after you swipe. See FAQs for how to pay over time.

Phone with Affirm App showing plan options

FAQs

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

How do I pay over time using the Affirm Card?

Does the Affirm Card charge interest?

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.