Builder Rewards Program™
Your credit discipline + reward system.
The Builder Rewards Program is a performance-based membership designed to make credit improvement predictable. By rewarding discipline through our Credit OS™ platform, we help you transform debt-repayment habits into tangible financial gains.
How it works
Four simple steps from signup to graduation.
Pick the membership level that fits your goals. Start flexible with a monthly subscription, or place a refundable Accountability Anchor of $500 or $1,000 to unlock higher rewards.
Each month you upload proof in Credit OS™ that you made your credit card payments. We track consistency, not how much you spend.
Every month of verified discipline accrues cashback. Paying 1.5× your minimum balance doubles that month’s reward.
Subscription members can cancel any time. Anchor members get their full Anchor back at exit, and the exit fee is waived once you hit your Graduation milestone (6 or 12 months). All accrued rewards are paid as a single lump sum at exit.
Choose your tier
One subscription option and two refundable Anchor tiers. Pay 1.5× your minimum to double your monthly reward in any tier.
- Monthly subscription: $30.00 (non-refundable)
- Cashback up to $5.00 / month
- Full access to Credit OS™ and education modules
Reward structure
- Minimum payment$2.50
- 1.5× minimum payment$5.00
- Anchor: $500.00 (fully refundable)
- Cashback up to $10.00 / month
- One-time exit fee: $60 (waived after 12 months)
- 30-day free trial; no exit fees in the first month
- Lifetime platform access after graduation
Reward structure
- Minimum payment$5.00
- 1.5× minimum payment$10.00
- Anchor: $1,000.00 (fully refundable)
- Cashback up to $18.00 / month
- One-time exit fee: $30 (waived after 6 months)
- 30-day free trial; no exit fees in the first month
- Lifetime platform access after graduation
Reward structure
- Minimum payment$9.00
- 1.5× minimum payment$18.00
The contractual promise: your Anchor refund is a contractual promise we make to you at the start of your program.
Why this works
Forces better habits
Your refundable Anchor keeps you focused on the finish line. Your own money is your strongest motivator.
Maximizes progress
Doubling rewards for 1.5× minimum payments helps you knock down principal faster and reduces interest charges.
Clean exit
Transparent, contractually promised return of your funds when the program ends.
Program clarity
A few quick truths so you know exactly what you’re signing up for.
You are not borrowing money. You are setting aside a refundable Anchor to secure your commitment.
The Anchor is a refundable service commitment. The rewards are a separate promotional incentive.
Everything is settled at exit, so you stay focused on building the habit through the full program.
Ready to start your program?
Pick the tier that fits your goals. Build the habit, earn the rewards, and graduate with your Anchor back in hand.