Yotta Credit Card®

Get anything you buy for free, with up to a 2% chance!

Updated: Apr 04, 2024

Advertiser Disclosure

The Yotta Credit Card is one of the newer products launched by Yotta. It has numerous unique features, which you can learn here, join the waiting list, and apply for it in seconds. With it, saving is fun, exciting, easy, and rewarding. Furthermore, the platform will help you to learn more about managing your funds and cleverly spending. Today, the company has more than 500,000 cardholders, meaning that over half a million people are learning how to spend and save their funds in the best possible way.




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Yotta Credit Card®

This card is not available right now.

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Introductory APR


Intro APR Period


Recommended Credit Score

Bad Credit OK

Key Features

  • Be the first to get the exclusive hot pink or sky blue Yotta Credit Card. Join the waitlist Today!
  • Free online bank account that earns you lottery tickets with every card use
  • Get 2,000 bonus tickets (terms apply)
  • 2%* chance of getting your next purchase paid for by Yotta for free, including on dining
  • Use your card at Lucky Deal merchants and get up to 20% odds
  • Receive 20% in tickets back
  • Helps to build your credit with every single swipe
  • There are no fees or interest to pay
  • Get your paycheck 2 days earlier than the scheduled payment date
  • Give back to the community and support "Feeding America"
  • Over 55,000 free ATMs across the US
  • FDIC insured

Our Take

Looking at the financial situation in the US, almost half of the US citizens don’t have $400 in case of an emergency, while they spend $80 billion on the lottery annually. Yotta credit card is trying to change that by paying out interest in rewards and thus motivating more people to save. Therefore, the whole concept of Yotta and its products is to bring lottery-style rewards into a safe and intelligent saving account.

Best for

  • People that are interested in getting a real credit card;
  • Individuals trying to manage their finances in a fun way;
  • Applicants searching for a lottery-style rewards program;
  • People looking for a card offer with minimal fees and credit building tools.

What Are the Yotta Credit Card Advantages

The Yotta Credit Card offers some outstanding advantages its users can experience. Since Yotta heavily relies on the concept of lottery rewards and winning, all benefits are more or less connected to the prizes users can receive.

No interest rates or fees

First things first, you can never go into debt with Yotta. The credit card doesn’t charge its users any interest rates or late payment fees, so it’s impossible to get into debt by failing to pay countless fees that might come your way. Your Yotta balance doubles your card limit, so all payments are on time, and you’ll never go into debt. Since fees are pretty standard with other card offers, this is undoubtedly one of the most significant advantages.

Build your credit

One of the primary purposes of this product is the ability to build your credit score. That’s why Yotta reports all your swipes and purchases to credit bureaus, allowing you to build credit quite easily and enjoy the benefits of a high credit score.

Lucky swipes

Every cardholder has a 2% chance of getting their purchase paid by the Yotta. The more you use your card, the more likely you are to get your next purchase for free. If you decide to use your credit or Yotta debit card at one of the Lucky Deal partner merchants, your odds of getting a free purchase jump to 20%.


You can earn a bonus ticket for every $5 you spend with your card for the $10 million sweepstakes. It allows you to earn amazing rewards and prizes just by using your Yotta card.

Bonus tickets

Use your card and spend $2,000 in your first four months, Yotta will reward you with 2,000 bonus tickets back which you can use in the next contest. As a result, you can earn quite a bit of money in return.

MasterCard Zero Liability Protection

Finally, the card is backed by Mastercard and has Mastercard Zero Liability Protection. With this advanced type of security, you’re protected against unauthorized purchases resulting from losing your card or having it stolen.

Are There Any Disadvantages?

Like any other card, this one also has disadvantages. Here are some of the main weaknesses you should be aware of before applying for this offer.

Low chance of winning big

The Yotta credit card offers some great prizes, but the odds of winning a 10 million jackpot are slim. If you’re signing up for a Yotta card just because you want to win a big prize, you’ll likely be disappointed. Additionally, some prizes must be split among multiple winners if there is more than one winner, which automatically decreases the size of your prize. So if you’re really set on winning a large sum of money, you would be better off trying your luck elsewhere.

No cash deposits

Yotta still doesn’t have a feature that enables you to directly place cash deposits into your Yotta account. That means the only way to put some funds into your account is through a money transfer. You need an existing bank account and the Yotta app to complete the transfer.

Unavailability of features

While many countries enjoy the total flexibility of the Yotta, that’s not the case for all countries worldwide. A total of 18 countries don’t support all of Yotta’s features, including card purchases and withdrawals. Without the possibility to complete these basic actions, having the Yotta credit card in these countries would be useless.

Is the Yotta Credit Card Worth It?

As you can probably notice by now, this card by Yotta is a unique product on the market, unlike anything else you’ve seen before. Here are some features that make it worth applying in comparison to other credit cards available on the market.

  • A unique approach to building credit: The most prominent feature that makes this card by Yotta different is its unique approach to building credit. Namely, no other companies offer lottery-style prizes and rewards to their clients. With Yotta, building your credit score is fun, exciting, and easy.
  • An extensive network of ATMs: Another feature that makes Yotta stand out is a vast network of ATMs. As a Yotta client, you have access to more than 55,000 ATMs across the US. These ATMs are always free to use. Even though Yotta will never charge you a fee for using an out-of-network ATM, the ATM operator might.

Competition and Alternatives

So, With All that, Is the Yotta a Good Deal?

To sum everything up, the Yotta credit card is an innovative product recently developed by the Yotta team. The primary goal of the Yotta card is to combine good saving and spending activities with an engaging and rewarding lottery concept. Most of this card’s advantages are connected to the rewards and prizes the users can get with it. The unique approach to credit building and an extensive network of ATMs could be good reasons to give this card offer a shot. You can see for yourself whether you find the lottery-style credit building concept interesting enough to keep using this card for your everyday payments. However, if you’re really set only on winning big, it would be better to try your luck elsewhere.

Frequently Asked Questions

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Basic Information
Issuer: Evolve Bank & Trust
Network: Mastercard®
Category: Consumer (Regular)
Best Used For:
  • Affinity
  • Cards for Bad Credit
  • No Foreign Transaction Fee
  • Starter
  • Pre-Qualification
  • Rebuild Credit
Rewards: Yes
Reward Types:
  • Other Rewards
Reward Units: Point
Rates & Fees
Regular APR: 0%
Regular APR Type: Fixed
Annual Fee: $0
Balance Transfer: No
Grace Period: None
Other Fees:
  • Foreign transaction fee: $0.00
  • Monthly Fee: $0.00
  • Annual fee: $0.00

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Non-Affiliate Offer Disclosure
*The information provided for Yotta Credit Card® is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Yotta Credit Card®

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Rec. Credit Score: Bad Credit OK

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