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Scratch Card Review

Spend with this digital card to earn cash back equal to the current rate of inflation.

The Scratch Card is a digital bank and virtual debit card combo that earns cash back equal to the current inflation rate on your purchases. It charges no fees to create an account, and you can use the Scratch card anywhere a Debit Mastercard is accepted.

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Minimum deposit to open


Minimum deposit to open$0
ATMsATM withdrawals available

Review by

Steven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The Scratch Card is a new virtual debit card available for waitlist from Scratch. By loading funds into a digital account through direct deposit or your existing bank account, you can make purchases with the Scratch card and earn cash back equal to the current CPI inflation rate.

As of May 2022, this rate is 8.3%, which is a phenomenally high number for a flat cashback rate. There are no charges to start an account and create a card, no monthly minimums or inactivity fees and no credit checks to get started. As a bonus, Scratch will also enter consumers who sign up for the waitlist into a drawing for one year of free gas, valued at $3,000.

Scratch calculates the card’s cashback rate at the end of each month, adjusting for changes to inflation. In theory, this card will help even out any additional costs you might pay due to this inflation, though it also means the cash back you earn with this card can actually go down should inflation decrease.

At the moment, this card’s cashback rate eclipses most rewards credit cards on the market. But there’s no guarantee this rate will stick around forever — and given it’s based on inflation, we’d hope for it to lower. But the Scratch Card won’t build you credit as you use it, a typical drawback to using a debit card for purchases.

Until the card launches, we can’t yet give our final thoughts on the card. But if the card performs as described, consumers might find a useful tool for keeping expenses down during rising inflation.

How do I open a Scratch Card account?

The Scratch Card isn’t yet available. Join the waitlist at the Scratch website, and doing so will enter you into a drawing for one year of free gas — valued at $3,000.

  1. Go to the provider’s site and follow the steps to apply.
  2. Select Get on the Waitlist.
  3. Input your email address and Join Waitlist.

What are the Scratch Card’s benefits?

Earn cash back equal to CPI Inflation. When you use your Scratch Card to make a purchase, you earn cash back equal to the current rate of inflation. As of May 2022, this is 8.3% back.

Cash back is earned daily and doled out to your account at the month’s end. Scratch also adjusts the card’s cashback rate each month.

  • No startup costs. It costs $0 to create a card and start funding it.
  • No credit check required. Scratch doesn’t check your credit when determining eligibility.
  • Few fees. There are no inactivity fees, monthly minimums or dangers of overdraft fees.

What are the Scratch Card’s drawbacks?

  • Doesn’t build credit. Making purchases on this card won’t affect your credit.
  • Card not yet available. We don’t have the card’s full details as it hasn’t yet hit the market.

Compare the Scratch Card with other digital banks.

For a better idea of how the Scratch Card stacks up to other digital bank options, select up to four services and select Compare to see them side by side.

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Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
55,000+ free Allpoint ATMs worldwide
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $150 bonus when you spend $1,000 in your first 60 days.
Finder Rating: 4.6 / 5: ★★★★★
32,000 fee-free ATMs nationwide
Small business owners and freelancers get paid up to two days early and can automatically set aside money for taxes with the Lili digital banking account.
Finder Rating: 4.8 / 5: ★★★★★
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
More than 85,000 ATMs nationwide
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.
Finder Rating: 3.4 / 5: ★★★★★
0.10% on balances of $0+
Varies based on connected bank accounts
Digit savings is a microsavings app that helps you avoid overdrafts and passively set aside cash for short-term goals.
The Yotta debit card and checking account work together to give you two ways to earn tickets to Yotta’s weekly sweepstakes lottery.
Cheese Rewards Checking
Finder Rating: 4 / 5: ★★★★★
Cheese Rewards Checking
over 33,000 MoneyPass ATMs
The Cheese Rewards Checking account is a digital bank account and social cause platform designed for Asian-Americans and immigrants in the US.
Quontic Pay Ring
Quontic Pay Ring
No access to ATMs
Quontic debit card evolved to a ring, contactless purchases with a simple tap of your hand.

Compare up to 4 providers

Scratch Card customer reviews and complaints

The Scratch Card doesn’t yet have customer reviews and complaints as it hasn’t been released. We’ll update this section as soon as more consumers get their hands on this card.

How do I deposit and withdraw my money from my Scratch Card account?

Deposit cash to your Scratch Card account through direct deposit or by transferring funds from an existing bank account.

Once you’ve deposited funds to your Scratch Card account, you can use the Scratch Card to make purchases anywhere a debit Mastercard is accepted. We don’t know at this time how or if you can retrieve funds moved to the Scratch Card account, but we’ll update this article when more details become available.

Bottom line

If the Scratch Card works as advertised, it can prove useful for mitigating some of the burdens of ongoing inflation. Unfortunately, we’ll need to wait for the card’s final release to make a final call on whether this card lives up to the promise. In the meantime, you can check out other digital banks on the market to see what other options are available.

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