A card that builds credit — on your own money.
Rein is a secured charge card: your deposit is the limit, so there's no revolving balance, no APR, and no interest. Spend your plan, pay in full, and build real history with all three bureaus.
Credit history, without the debt trap.
A secured charge card settles in full from your balance, so utilization stays low and payments are always on time. It's the credit-building mechanics of a starter card, without the interest or the temptation to overspend.
Because it's secured by your own deposit, you build history without ever carrying a balance.
Every card draws from your envelopes.
Physical, virtual, or trip — every card is bound to the same plan, so there's never a separate budget to reconcile.
Order a metal card, or reveal a virtual number instantly. Both spend from your envelopes.
Mint an envelope-bound virtual card locked to one merchant — perfect for online checkout.
Time-boxed, wallet-eligible cards bound to a trip envelope. They expire when the trip ends.
Freeze or unfreeze any card in a tap. Lost it? Nothing moves until you say so.
Securely reveal the PAN, rename, recolor, and track recent activity per card.
The browser extension mints a merchant-locked card from the right envelope as you check out.
Build credit on a budget that holds.
Join early access to get the card that spends your plan — and reports it to all three bureaus.