The everyday card

On Card

Every Swipe. Always On.

The card you carry every day. Groceries, gas, the wing spot, Restaurants, the barbershop.

Membership

Benefits & Privileges

Every swipe with On Card delivers everyday value, essential protections, and community impact—automatically directing your everyday spend contribution back to your institution.

Everyday Spend

Supercharge Your Every Day Spend

Affiliated Community Boost Earn extra cash back every time you spend with HBCU affiliated institutions, alumni entrepreneurs, and Black-owned businesses.
Merchant Cash Back Network 2% to 15%+ merchant-funded cash back across thousands of national online and physical retail stores.
Everyday Dining Cash Back 5% to 10% automatic cash back at over 22,000 participating local and national dining locations.
Instant Payment-Rail Rewards Cash back tracks automatically via card-linked payment rails—no receipt scanning, coupon codes, or vouchers required.
Stackable Savings Engine Combine member cash back with retailer sales, store coupons, and base earning rates to multiply daily savings.
Digital Wallet Earning Full reward functionality across Apple Pay, Google Pay, and contactless mobile transactions.

Protection & Security

Always in Your Corner

Financial Intelligence A 24x7 built-in Financial advisor that actively tracks your credit, optimizes your everyday spend powering your financial elevation.
Zero Liability Fraud Protection 100% protection against unauthorized or fraudulent charges on lost or stolen accounts.
Auto Rental Collision Damage Waiver Secondary coverage for collision damage and theft on eligible rental vehicles.
Roadside Dispatch Pay-per-use 24/7 access to roadside assistance, including towing, battery jump-starts, tire changes, and lockout services.
24/7 Emergency Card Services Global access to freeze compromised accounts, request emergency cash disbursements, and initiate replacement card delivery within 24 to 72 hours.
Zero-Touch POS Security Card-linked offer verification happens securely at the payment network level without exposing sensitive card data to third parties.

Access

Open Doors

Exclusive Merchant Flash Events Priority access to nationwide "Double Cash Back" days, holiday bonus events, and flash promotional rates from major retail partners.
Algorithmic Shopping Boosts Smart merchant targeting delivers tailored cash-back deals based on individual everyday spending habits.
24/7 Member Inquiry Service Direct access to customer support representatives for account questions, card services, and benefit verification.

Privilege

Experiences Beyond Currency

Partner Brand Merchant Promotions Special promotional entry perks, seasonal merchant offers, and early product access available across participating Rakuten retail partners.
Local Merchant Highlight Events Regional cash-back activations and local business spotlights curated for the On Card community.

Shared across both cards

Every swipe builds the yard.

Both cards send the same share home — NIL funding for athletics programs. The tier changes what you get back. It never changes what your school gets.

The everyday card

On Card is the everyday card: no annual fee, cash back on the spend you already do, and a share of every swipe sent back to the school you chose.

Compare with On Card Diamond

Pre-registration does not guarantee credit approval or card issuance. The card program is contingent upon reaching minimum participant thresholds and final regulatory approval. No commitment or fee is required to join the waitlist.