Earn on every purchase — no categories to track, no monthly ceiling, no rotating rules. It lands the moment a transaction clears.
Most rewards cards hide the reward behind rules — this category this quarter, capped at that amount, valid only if you remembered to activate it. By the time you've tracked it all, the cashback barely feels worth the effort.
Vaultly throws the rulebook out. Every purchase earns the same uncapped rate, with no categories to track, no monthly ceiling, and no rotating offers to opt into. If you spent, you earned — it really is that simple.
The reward arrives the moment a transaction clears, not pooled into a balance you claim later or paid out once a statement closes. You watch it land in real time, purchase after purchase.
Because there's no fine print, there's nothing to manage. You tap to pay anywhere — in store, online, or from your phone's wallet — and the cashback takes care of itself in the background.
What you do with it is up to you. Keep it in checking for everyday spending, or sweep it straight into your 4.8% APY vault and let today's rewards quietly grow into tomorrow's savings.
You expect money to move the instant you tap send — no holds, no waiting, no fine print.
When a bank can't deliver that, it isn't just behind on features — it's behind on your life.
So we built a neo-bank on modern rails — engineered to move at the speed you actually live.
Because when your money moves in the right direction, you get where you're going faster.
