1) You can only spend up to what you normally spend each month.
We give you peace of mind that you won't be overspending and racking up credit card debt.
2) Automatic repayments ensure you don't rack up debt.
You’ll never have to stress about making payments. Ever.
3) No interest and up to 10% cash back on everything.
Unlike other cards that charge you hundreds of dollars in interest we charge none.
Other cards make money when you go into debt. We don't.
We designed the Path Card to build credit using the money you're already spending. When they buy something, your linked bank account automatically pays us back. At the end of the month, purchases are reported to credit bureaus—safely building your credit history.
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Automatic overspending protection.
You can never spend more on Path Card than what you already do.
No payments to remember.
Automated repayments take the burden off of you to remember anything.
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“To say that Path has helped me would be an understatement...The whole Path team has been so great to me and wants the best for me and the future of my education. I’m so thankful to have them on my side.”
Path Card is a debit card that helps build your college student's credit. Students fund purchases by linking their existing bank account. They can only spend what they have and begin building credit automatically.
Any U.S. resident over 18 is eligible for Path Card. We're beginning to welcome members in select states as we get started.
Path Card is designed with the benefits of a credit card but the safety of a debit card. Unlike a credit card, college students can't spend more than they have in their bank—preventing overspending. Purchases are funded automatically—eliminating late payments, overdue balances, and interest.
Credit cards make it way too easy for students to spend more than they have, get into debt, and lower their credit score. That's why we designed Path Card to actually help students safely build credit and start their financial journey on the right path.
For $8/month, students get:
Parents get:
Earning and keeping the trust of the families who use Path is our top priority, and we make every decision from that point.
Path uses bank-level encryption (AES-256) to keep your financial data secure. Path Card is in the Mastercard network, allowing members to make purchases everywhere. We connect to your bank using industry leader Plaid, the same way Venmo does.
We're a team of moms, financial aid advisors, and engineers who believe that getting on the right financial path should be easier. If you ever want to chat, we'd love to hear from you!
The Path Debit Card is issued by Patriot bank, Member FDIC, pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW PATH CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Path Card Account. What this means for you: When you open a Path Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
All lines of credit loans and rate terms are subject to eligibility restrictions including application review, loan amount, loan term, and lender approval. Eligibility for a loan is not guaranteed. Increase in credit score is dependent on on-time payment behavior and not guaranteed. Credit score is impacted by many factors. Path reports credit to Equifax, Transunion, and Experian.
