Skip to content

What is Premium for Boost Money™?

Premium is an optional monthly subscription that unlocks enhanced features for your Boost Money™ Card and Boost Money™ Spend account. For just $9.99 a month, you get benefits like earning a boosted interest rate on your companion Boost Money™ Save account, expedited delivery of eligible BoostCash™ advances, a faster track to increasing the amount of BoostCash™ advances, VIP customer service, as well as  travel and retail protection benefits.

BoostCash™ personal loans (“BoostCash™ advances”) range from an initial $20 and up to $500 over time for eligible Boost Money™ Spend customers, subject to eligibility requirements at Eligibility for BoostCash™, including eligible direct deposits, and approval. Boost Money™ Spend customers must receive eligible direct deposits to your Boost Money™ Spend account to qualify for $250-$500. If you don’t, your max BoostCash advance is up to $250. Not everyone will reach the maximum advance amount. Average BoostCash advance from 2/2026 - 7/2026 is $94. If eligible, your BoostCash™ advance amount can change over time based on several factors, such as positive repayment history. If any eligibility requirement is waived, subsequent BoostCash™ advances are subject to all eligibility requirements and approval. BoostCash™ advances made through Upgrade feature Annual Percentage Rates (APRs) of 0.00% and a term of up to 34 days. For example, a $25 BoostCash advance with a 14 day term and a 0% APR has a required single installment payment of $25 on your due date. BoostCash™ advances are generally repaid in full on the due date which is the estimated date of your next expected payroll or employer direct deposit and are repaid automatically from the account you designate as your repayment accounts or, if your funds are insufficient for repayment, any deposit account you have opened through Upgrade or otherwise authorized for repayment. You must repay a BoostCash™ advance before you may get a new one. BoostCash™ advances are not available in all states. See BoostCash™ Account Agreement for details.

*The Boost Money™ Card requires a Boost Money™ Spend account, a deposit account with funds held as security for the Boost Money™ Card. Credit Lines feature an Annual Percentage Rate (APR) of 0.00% and a single 1 month repayment term and are subject to verification and approval. Your line is determined by the amount deposited into your Boost Money™ Spend account. At your option, repay your transactions each month with your Boost Money™ Spend account funds. For example, a $100 card purchase with a 1 month term and a 0% APR has a required single installment payment of $100. There is no fee to use an AllPoint® ATM. ATM withdrawals outside the AllPoint® ATM network are subject to a $2.50 per withdrawal fee, which will increase your finance charge and APR. A Boost Money™ Card is automatically sent when funds are added or direct deposit is switched to the Spend account. A card can be requested at any time in the account dashboard. The Boost Money™ Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to your line amount. The Boost Money™ Card is not available in all states.

A Boost Money™ Card is automatically sent when you fund, receive money into, or switch direct deposit to your Spend account. You can also request a card anytime. Be sure to have funds in your Boost Money™ Spend account. Then spend up to the available balance on your Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Credit score improvement is not guaranteed. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit.

Articles in this section

See more