Yotta Debit Mastercard®

Spend, save and win with a debit card that could make you a millionaire

Updated: Apr 04, 2024

Advertiser Disclosure

Yotta Bank launched in 2019, but even though it's a young organization, it has gathered over 400,000 loyal members. One of the main reasons for that is the Yotta Debit Card Mastercard and its unique Lucky Swipe feature with tickets back rewards. Lucky Swipe gives users a 1 in 150 chance of the bank paying their entire purchase. It's a special card offering competitive rates, excellent charity options, and many other features.




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Yotta Debit Mastercard®

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Key Features

  • NEW PRIZE: Yotta Hot Pot - $250,000 - That grow. Every. Single. Week.
  • Free bank account that earns you lottery tickets
  • Spend $2,000 in your first 4 months and the card earns you 1,000 bonus tickets
  • For every $25 you have in your account, you get 1 ticket every week
  • A bonus ticket for every $10 you spend with your card
  • Get 1 in 100 odds when you use your card at one of Lucky Deal merchants
  • 1 in 150* odds of getting your next purchase paid for by Yotta for free
  • Increase your odds of winning to 1 in 100 for 30 days with every referral
  • Refer 10 friends and get an exclusive metal card
  • Get 1 in 100 odds when you use your card on dining
  • Easy integration with Google Pay and Apply Pay
  • Mastercard zero liability protection
  • Give back to the community and support "Feeding America"
  • Over 55,000 free ATMs across the US

Our Take

Yotta Mastercard Debit Card – a real card that rewards you with lottery tickets for card purchases, account balance, partner offers, a crypto wallet, and savings. And, you can get your purchase covered by Yotta or win 10 million.

Yotta Debit Card is Best for

  • Cardholders searching for something new
  • Those who want a fun option to help them save money
  • People who want to be charitable without any hassle
  • Younger users wishing to take care of their banking needs digitally
  • People looking for banking services and like playing the lottery

What Are Yotta Debit Card Advantages?

The Yotta debit card from Evolve Bank & Trust, FDIC insured, is relatively new, but it has quickly found many customers. The main reason for that is the advantages this debit card offers.

Giving back to people in need

Every cardholder can enable a “Meal Tickets” feature in card settings. When they activate it, the bank rounds up all transactions to the nearest dollar and automatically donates to an organization called “Feeding America1,” which helps feed individuals and families in need across the USA. At the same time, every transaction lets you get a bonus ticket.

Earning up to $10 million

Cardholders earn a single ticket every time they spend $10. Clients can gather and use these tickets in the “Sweepstakes” contest. If you get a checking account, you can earn tickets when spending $25, which can go up to $10,000. You can use the tickets to participate in the contest; the bank randomly chooses the prize winners. The prizes can go from a minimum of $0.10 to $10 million.

Excellent fee conditions  

This card comes with no foreign transaction charge. You can use your card wherever you want without worrying about increased costs. At the same time, there are no opening requirements.

Potential to win free purchases

The card has a Lucky Swipes feature that gives you the chance to complete your transaction for free. If you get lucky, the bank will cover your payment, and you’ll walk home with a smile and a fuller wallet. There’s a 1 in 150 chance or 0.67% chance of getting a free purchase. Every bank member has the opportunity to increase their chances of winning these free purchases with referrals and DD.

Early deposit access

Cardholders can get their paychecks two days in advance of their schedule. Additionally, setting up paycheck deposits improves your Lucky Swipes’ chance to win a prize. Users get bonus tickets every time they get a direct deposit.

Are There Any Disadvantages?

Service charges

Even though there are no foreign transaction fees or minimum deposits, cardholders with balances at $5 or lower must pay a monthly service fee of $0.50. Although there’s a chance of earning $10 million, those chances are slim.

Low winning odds

More accurately, there’s a 1 in 8,260,307,055 chance of winning the maximum amount. However, users can still win decent amounts that will mean a lot in the long run. Remember that there can be multiple winners; in this case, they will have to share the reward.

Needs constant funding

Even though you can earn many tickets when spending with your card, you will also have to add additional funds to get your tickets the following week.

No cash deposits

Yotta focuses entirely on digital banking, and that’s why users can’t make cash deposits, and you can only transfer money from other bank accounts with the bank’s mobile app.

How Does Yotta Debit Mastercard Stand Out?

One of the unique things about this debit card is the Sweepstakes contest. Every cardholder can use their tickets to pick a specific set of numbers. Each user chooses a Yotta Ball and six regular numbers. If you don’t choose the numbers on your ticket, you will get a random set of numbers. You get rewards when the numbers you’ve chosen match the randomly generated numbers during the contest.

For example, if you get a Yotta ball and four matching numbers, you get $2,500, while you have to match all the numbers to earn $10,000,000. Users can get fantastic rewards, and it’s also fun to participate in the contests and choose the numbers that might bring you luck.

Similar Offers and Alternatives

  • Save Debit Invest Mastercard – the card comes with no annual fee and offers high APY and advanced portfolios
  • Walmart MoneyCard – 3% cashback, no annual charge, 0% APR, full Mastercard benefits, and a $5 bonus
  • M1 Spend Visa – the card comes with a free checking account, no annual fee, and cashback rewards

How Can You Contact the Yotta Support?

There are three ways to get in touch with customer support:

  1. by phone at 844-945-3449
  2. by email at support@withyotta.com
  3. or through live chat support available Monday through Friday, from 8am to 8pm EST.

How Do I Open a Yotta Debit Card?

Simply click the “Apply Now” button and fill out the secure form or go to the Yotta website and click the Features tab in the header. Tap the Download Yotta button to select from the Apple App Store or the Google Play Store. Tap Join Yotta. Enter your email address and a password, then connect your bank account to fund your new checking account.

Are There Any Fees for My Debit Card?

The company is partnered with the Allpoint® ATM network, which provides free withdrawals at over 55,000 ATMs in the United States. The app also includes an ATM locator to help you find the nearest fee-free machine, and you can get cash back at many merchants without paying a separate charge.

Bottom Line

Saving money using bank accounts can be tedious, but Yotta Bank allows you to feel the excitement of holding a lottery ticket and hoping to win the grand prize. Being frugal with this card is fun and easy, with the app giving you everything you need to make the most of it. Even if you don’t win prizes, you are putting money aside and don’t have to invest anything unless you want to. It’s an excellent option for younger people who want to save unconventionally and have fun while they’re at it. Get Yotta, today! Also, check the Yotta Credit Card, too

Frequently Asked Questions

Reference Index

  1. U.S. Hunger Relief Organization. Feeding America
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Basic Information
Issuer: Evolve Bank & Trust
Network: Mastercard®
Category: Consumer (Stored Value)
Best Used For:
  • Affinity
  • Instant Decision
  • Ultimate Financial Offer
  • No Foreign Transaction Fee
  • Young Adults
  • No Credit Check
  • Debit Card
Rewards: Yes
Reward Types:
  • Other Rewards
Reward Units: Point
Rates & Fees
Annual Fee: $0
Opening Min: $0
Application Fee: $0
ATM Fee: $0
Other Fees:
  • Foreign transaction fee: $0.00
  • Monthly maintenance fee: $0.50 per month when the balancer is $5 and under
  • Monthly Fee: $0.00
  • Annual fee: $0.00

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Additional Information & Comments

LIMITATIONS: Yotta Debit Card is not working in all countries. Card transactions and ATM withdrawals will be declined in: Belarus, Burundi, The Central African Republic, Cuba, Congo, Iran, Iraq, Lebanon, Libya, Nicaragua, North Korea, Somalia, South Sudan, Syria, Ukraine, Venezuela, Yemen and Zimbabwe.

Non-Affiliate Offer Disclosure
*The information provided for Yotta Debit Mastercard® 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 Debit Mastercard®

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Yotta Debit Mastercard®

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