Buy Now, Pay Maybe. We've got you Coverd.
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Joined January 2025
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We just launched a credit card that gives you up to 100% cash back rewards.
Credit card rewards are broken. A stagnating, ossifying industry has spent decades collecting fees while handing back perks that rarely deliver. Points that are hard to use. Lounges that are hard to reach. Fine print that works against you. Innovation stalled because it could.
So we built what they didn't.
Coverd flips the script. Up to 100% cash back rewards in a transparent matrix — a live, regularly updated grid where you can see exactly how to get to 100% cash back. No fine print, no guessing, full agency. Every swipe is an entry into the rewards pool, and you see it all happen in real time.
Grocery run. Gas station. Dinner date. You spend — we've got you Coverd.
This is real transparency and empowerment — no $900/year fees, no settling for B-tier lounges.
50,000+ people have joined the waitlist.
The doors are now open. The Coverd Card is live today.
Like + repost + comment "COVERD" — we're pulling people straight from this thread for priority access to our metal card program. #getcoverd #coverdcard #personalfinance
Readers added context they thought people might want to know
The Coverd card's base cash back rate is 0.5% per dollar spent, with up to 100% only available during limited 3-minute surge windows for specific categories and the first purchase in that window. coverd.us/rewards-matrix… coverd.us/rewards-terms.…
The Coverd Card replicates loot box mechanics by offering 100% instant cash back at the point of purchase, determined by a transparent, real-time algorithm. Instead of standard statement credits, users can opt in or multiply their rewards through built-in, interactive in-app mini-games to increase their total payout..... Read more @GamesBeat gamesbeat.com/coverd-launche…
Coverd's founder and CEO Albert Wang sat down with legendary tech reporter @bayareawriter from @twifintech to discuss... how Coverd works, how we reward users, and how we are disrupting personal finance.
Explore the rewards matrix, available on the Coverd website, that determines cash back on every purchase, up to 100%.
Exclusive: Meet @coverd, the @speedrun backed fintech startup that wants to gamify your coffee run.
Founded by former Morgan Stanley oil trader Albert Wang and former Hudson River Trading portfolio manager Eric Xu, Coverd is building a Visa credit card that gives users the chance to earn up to 100% cashback on everyday purchases.
The New York startup has raised nearly $8 million and already has a waitlist approaching 50,000 users.
But the bigger bet isn't on cashback. It's on engagement.
As Albert Wang told This Week in Fintech:
"Nobody's actually been really excited about their personal finance offerings. The consumer in the 2020s clearly wants something different."
Coverd's founders believe younger consumers want more than airport lounge perks and static rewards. Their long-term vision is a full-suite personal finance platform, with gamification serving as the gateway.
As Gen Z and millennials increasingly expect interactive experiences across every aspect of life, could consumer fintech be next?
Read the full interview by @bayareawriter on This Week in Fintech 👇
Coverd retweeted
NEW on @twifintech: I covered @coverd, a @speedrun-backed gamified personal finance ecosystem centered around a Visa credit card that offers users the chance — albeit a small one — to earn up to 100% cashback on everyday purchases. "Nobody's actually been really excited about their personal finance offerings," co-founder Albert Wang said in an exclusive interview. "The consumer in the 2020s clearly wants something different – not access to B-tier lounges that you maybe use twice a year if you’re a frequent traveler, or like $200 of yoga pet credit."
Read more in the link in the comments below
Coverd retweeted
Exclusive: Meet @coverd, the @speedrun backed fintech startup that wants to gamify your coffee run.
Founded by former Morgan Stanley oil trader Albert Wang and former Hudson River Trading portfolio manager Eric Xu, Coverd is building a Visa credit card that gives users the chance to earn up to 100% cashback on everyday purchases.
The New York startup has raised nearly $8 million and already has a waitlist approaching 50,000 users.
But the bigger bet isn't on cashback. It's on engagement.
As Albert Wang told This Week in Fintech:
"Nobody's actually been really excited about their personal finance offerings. The consumer in the 2020s clearly wants something different."
Coverd's founders believe younger consumers want more than airport lounge perks and static rewards. Their long-term vision is a full-suite personal finance platform, with gamification serving as the gateway.
As Gen Z and millennials increasingly expect interactive experiences across every aspect of life, could consumer fintech be next?
Read the full interview by @bayareawriter on This Week in Fintech 👇
Real users, real rewards. Thanks for sharing your experience. Something new is coming tomorrow. Stay tuned. Keep coverd. #getcoverd #personalfinance
Hoops to jump through, delayed gratification, and archaic programs catering to frequent business travelers that most people aren't. legacy credit card rewards fail to meet this moment and to engage the 99%. coverd is built differently. #getcoverd #personalfinance #rewards
May 2026, $12M coverd purchases. Something much bigger is coming. #getcoverd #personalfinance
legacy rewards are broken and boring to use. coverd is different. coming soon. #cashback #rewards #getcoverd
Adidas to the top scorer. live on the coverd app. coverd rewards, built for choice.
#adidasoriginals #sambas #gazelle #stansmith #personalfinance #personalstyle #getcoverd
Honestly.... the best reviews start with skepticism and end with cash back.
Thanks for sharing.
#cashback #getcoverd #personalfinance
$25M in cash back rewards, $12M in May alone, 3K downloads daily, backed by @speedrun. coverd is just getting started. #coverd #personalfinance
Entertainment + rewards. Users see real value.
Thank you for sharing your experience, Kimberly,
#rewards #personalfinance #coverd
