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Yotta Debit Card

Jeannyn Gomez

| Last updated on February 13th, 2024

Yotta Debit Card

Yotta Debit Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Mastercard Processing Network
None Annual Fee

Yotta Debit Card

At a Glance

With the Yotta Debit Card, you can be a winner. It can help you save money the fun way, with prizes and sweepstakes. The card operates like any other debit card except with winning potential and no fees. Earn 10% of your purchases back in the form of tickets for prize sweepstakes, with prizes ranging from 10 cents to $10 million. Additionally, with every debit card swipe, you get a chance to win a paid purchase by Yotta.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Win up to $10M every week saving money in an FDIC-insured account with a base savings reward of 0.20% APY
  • The only debit card that could literally make someone a millionaire including odds up to 1 in 100 Yotta will cover your entire purchase
  • Earn 10% of your purchase amount back in the form of tickets into the following week's sweepstakes
  • Get paid up to 2 days early when you use your Yotta account as your direct deposit/paycheck destination
  • Direct deposit users also receive 1-in-150 Lucky Swipe odds
  • Every paycheck earns 5% extra bonus tickets
  • You're a fan of using mobile banking
  • You're looking to open an FDIC-insured savings account
  • You're interested in getting direct deposit two days in advance
  • You want to use your debit card abroad with no fees or hassles
  • You would enjoy prize drawings and sweepstakes as a benefit
  • You would like a chance to win paid-for purchases with Lucky Swipes

In-Depth Review: Yotta Debit Card

More than just your average debit card – the Yotta Debit Card makes saving money fun. Saving money with Yotta earns you a chance to frequently win up to $10 million. It’s a prize-linked savings account where you can win money but never lose any. It is a game of chance. However, your odds of winning get better the more money you save. And most importantly, you will never lose.

When you add funds to your savings account, you have a chance to earn tickets for the sweepstakes drawings. For every $25 deposited, you will receive one ticket for the prize sweepstakes. For example, if you add $50 to your savings account, you will receive two tickets for the sweepstakes to better your odds of winning. If you add $100, that will earn you four tickets to the prize sweepstakes.

It is important to note that Yotta is a mobile app and a full-featured bank account. Cardholders can manage their account through mobile and do things such as view statements, account balances, tickets, and prizes. On top of prize drawings, banking and saving money with Yotta will offer a base savings reward of 2.7% APY.

Yotta Rewards Guide

How To Win Free Stuff with Yotta

Furthermore, the potential to earn life-changing money comes with the Yotta Debit Card territory. Through something Yotta calls Lucky Swipes, your next debit card purchase could be free, and the Yotta app will notify you instantly if you’re a winner. Better your odds of getting a Lucky Swipe by referring a friend, making a dining purchase, or shopping with partner Lucky Deal Merchants.

Better Your Odds at Winning Lucky Swipes

Rewards with Yotta are a little unconventional. Cardholders enjoy winning Lucky Deals, with a 1-in-200 base odds of covering the entire purchase by Yotta. That 2% chance jumps up to 1-in-100 odds for 30 days with every referral or dining purchase and up to  1-in-5 odds (20%) for purchases made at partner Lucky Deal Merchants. Not bad!

Other Yotta Benefits

55,000 Fee-Free ATMs

Are you worried about how you will cash out with mobile banking? Don’t be. The Yotta Debit Card has thousands of free-to-use ATMs (55K+), so you can have cash handy whenever you need it. Feel secure in your purchases as the Mastercard payment network supports the Yotta Debit Card and features Mastercard liability protection. In addition, the Yotta Debit Card has no foreign transaction fees making it a reliable debit card to take abroad without worrying about additional fees on your travel adventures. And who knows? Maybe your flight purchase will be your next Lucky Swipe.

Save That Money

The Yotta App offers other money-saving features. With the Yotta Buckets, you can save money, set goals, track your spending, and more. Instead of losing money through other banks with fees, deposit your money in your Yotta account where you don’t lose but instead might get lucky and win a free purchase.

Other Options to Consider

Experian Smart Money™ Zolve Azpire Credit Builder Card GO2bank Visa® Debit Card
Credit check None None None
Maintenance fee $0 $0 $5 (waived with direct deposits)
Monthly credit reporting Yes Yes No
Rewards N/A 1% cash back Up to 7% back
Fee-free ATM access 55,000+ 65,000+ 5,000+

What We Like About Yotta

There is lots to like with Yotta. From the basics – a mobile app and full-featured bank account – to basic cash-back rewards, there is something for almost everyone. For every $25 saved in the Yotta account, cardholders get a recurring nightly ticket into prize sweepstakes with prizes ranging from 2 cents to $1 million. The card and account also provide a high, variable APY on savings, a 55,000+ ATM network, and availability in all 50 states.

Things to Consider

Despite that, there are a few things to consider before getting Yotta. For starters, Yotta is not FDIC-insured. That’s not to say that Synapse Brokerage LLC, the holding bank, isn’t FDIC-insured (they are), but it is an extra step. Additionally, the program does not have any physical branches, instead offering only a basic, online bank account.

Yotta Ratings

How does the Yotta Card stack up? Here are a selection of expert reviews for the card:

Should You Apply for the Yotta Debit Card?

In closing, the Yotta Debit Card is for the person that doesn’t mind using mobile and online banking – after all, it is a fintech company. The opportunity to win prizes with the Yotta Debit Card and Bucket features may be of interest if you’re looking to save money and have fun while you do it plus, the Yotta app has a variety of tools to help manage your savings. Not to mention the debit card may be a good fit for your lifestyle if you plan to use a debit card abroad because it has no foreign transaction fees to worry about in your travel endeavors.

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