JOY Cash

They reward the swipe.
We reward the life.

Every card is built to make you spend more, and with credit, owe more. JOY Cash is built the other way round: your own money, set aside for living well, earning you cash back as you use it.

Join JOYIZM See membership

The difference

Nothing borrowed. Nothing owed.

Credit works by getting you to spend money you do not have yet, then charging you for the privilege. JOY Cash runs the other direction.

Credit

Borrow→spend→repay→interest

JOY Cash

Fund→plan→spend→earn

How it works

Four steps. Then it just runs.

Fund it

Move your own money into JOY Cash, the way you would set aside anything worth planning for. Nothing is borrowed, so nothing is owed.

Plan with it

A balance set aside for living well means the game, the class and the trip are already accounted for, rather than competing with everything else.

Spend it across JOYIZM

Use it on activities, wellness, dining, events and travel with JOYIZM partners. More places are being added as the partner network grows.

Earn as you go

Spending through JOY Cash earns you cash back on what you were going to do anyway. Living well costs less because you are living well.

Built on purpose

Ethical by design

Most money products are brilliant at desire and indifferent to whether you end up better off. These are the rules JOY Cash is built to.

Save before spending

The balance comes first. That single difference changes the relationship between you and your money.

Reward healthy habits

You earn on the workout, the game, the good meal and the trip, not on impulse.

Experiences over excess

Built to reward a life you are glad you lived, rather than volume for its own sake.

No hidden fees

No interest, because there is nothing to borrow. No penalties for spending less.

Transparent by design

What you earn, and on what, is visible in the app before and after you spend.

Questions

The straight answers

Is JOY Cash a credit card?

No. JOY Cash holds your own money, which you add yourself. There is no borrowing, no balance to repay and no interest.

Where can I spend it?

Across JOYIZM and its partner network: activities, wellness, dining, events and travel. The network is growing, and what is available near you shows in the app.

How do I earn cash back?

By spending your JOY Cash balance on JOYIZM. Current earning rates and any conditions are shown in the app before you spend.

Do I need a paid membership?

No. JOY Cash is part of joining JOYIZM. JOY-MAX members get member pricing on top, so the same spend goes further.

What happens to my balance?

It is yours. It sits in your account until you spend it, and your balance and history are visible in the app at any time.

Start with the free membership.

JOY Cash comes with it. Fund it when you are ready.