Builder Rewards Program™
Your credit discipline, rewarded.
A performance-based membership that turns monthly credit-card discipline into a refundable Anchor, cashback rewards, and a clean exit. We track consistency, not spending.
Built around the habit, not the fee.
Choose a flexible monthly plan or place a refundable Accountability Anchor of $500 or $1,000 to unlock higher rewards. Pay 1.5× your minimum and your monthly reward doubles.
Cashback for proof of payment
Upload monthly proof in Credit OS™. Every successful month accrues cashback you keep.
Refundable Accountability Anchor
$500 or $1,000 anchors are fully refundable. Hit your graduation milestone (6 or 12 months) and the exit fee is waived.
Track every step
Credit OS™ shows your monthly proof, accrued rewards, and progress toward graduation in one place.
FOR YOUR EVERYDAY CREDIT HEALTH
The Accountability Anchor
A simple, refundable commitment that keeps you focused on the finish line. It is not a fee and not an investment — it is your own money, held while you build the habit, and returned when you graduate.
- Not a loan: you are not borrowing money.
- Not an investment: a refundable service commitment, separate from rewards.
- Settled at exit: rewards and Anchor are released in one lump sum at graduation.
Three ways to start.
Begin flexibly with a $30 monthly subscription, or commit a refundable Anchor of $500 or $1,000 to unlock higher monthly rewards and lifetime platform access after graduation.
$500 refundable Anchor
Up to $10/month cashback
$60 exit fee, waived after 12 months
$1,000 refundable Anchor
Up to $18/month cashback
$30 exit fee, waived after 6 months
Show your money its worth.
Take the first step toward a better financial future. Create your account and start your program today.