A card that spends your plan.
Rein is a deposit-backed debit card: your deposit is the limit, so there's no revolving balance, no APR, and no interest. Every swipe settles from that deposit. Your envelopes are the budget the card enforces.
Spend what you put in — nothing more.
Money lives in an FDIC-insured deposit account at our partner bank. Your debit card — physical or virtual — spends from that balance. Envelope rules run at authorization, so a swipe that doesn't fit the plan is declined before it clears, not reconciled afterward.
Unused funds can be returned to your linked bank. There is no statement to pay because a debit settles as you spend.
Every card draws from your envelopes.
The everyday card spends the plan. A locked card can only spend at one store, from one envelope. A trip card and an envelope card are how routing gets certain. Same deposit underneath.
Carry a physical card, or reveal a virtual number instantly. Both spend from your envelopes.
Mint a virtual card locked to one store and bound to one envelope. A leaked number dies there.
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 — or reuses — a card locked to that merchant and bound to the envelope you pick, right at checkout.
A card that spends the plan.
Join early access for a deposit-backed debit card. Your deposit is the limit. The budget lives on the card.