The only card designed to get you out of student debt.

Sign up for the free Spinwheel card that gives you credit card rewards with debit card protection. We make it simple, easy and effortless. Rewards without the compromises

Credit card with debit card controls

Don't let student debt cripple you. With Spinwheel you can get out debt 12-24 months earlier. We make it easy to pay down your debt.

Link your account

Link your existing bank account. We will pull the funds every night and hold it to cover your card balance for the day. Also we won't let you spend more than your account balance.

Get debt free

We use credit card rewards to pay down your debt with your linked loan account. Every swipe gets you closer to freedom. We also work with merchants to get you extra days debt free when you shop with them.

What People Are Saying About Spinwheel

“Every bit helps. Spinwheel is the only product that is a full solution to get me out of debt earlier.”



©2019 - Spinwheel Inc


Sign up

(and keep you out of new debt)

No fees

Spinwheel has no monthly, annual, ATM or overdraft fees. Well, we don't like fees. Period.

Get your family involved

Bonus rewards





Earn up to 5 times towards your student loans at retailers who want to help you get out of student debt earlier. We make it easy, just swipe and get debt free earlier. 

(BTW, we still make sure you don't overspend)

When your family links their existing card, we apply additional merchant rewards directly to your debt. We make it easy for your family to help out!

Round Up

Round up every transaction (optionally). So every time you spend something, you are also getting out of debt.

FDIC Insured

All the funds we hold to cover your card are yours if you want them. We hold them in an FDIC insured account on your behalf.

Bank level security

We use security and encryption used by the top banks in the world. We take your data seriously, so we keep you safe. Always!

Build your credit score

We report your timely payments (which we automatically take care for you) to the credit bureaus. Build your credit score fast.

Set spending limits

 Setup spending limits and we will alert you (and even stop you) from going overboard. Don't worry you are always in control

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