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Credit Card FAQ: Tilt Rebranding
Which Tilt card is right for me?
Do Tilt Cards have an annual fee?
Do Tilt Cards offer rewards?
What information is used in the Tilt card application?
What happens if I’m not approved for a Tilt credit card? Does this affect my credit?
How do I apply for a Tilt Credit Card?

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Do Tilt Cards have an annual fee?

May 11, 2026 14:57
Updated

Tilt Essentials and Tilt Motion have no annual membership fee. Tilt Engage has an annual membership fee of $59.

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Related articles

Do Tilt Cards offer rewards?
Which Tilt card is right for me?
What happens if I’m not approved for a Tilt credit card? Does this affect my credit?
What information is used in the Tilt card application?
How do I apply for a Tilt Credit Card?

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Tilt is a financial technology company, not a bank.

Tilt offers a 14-day trial for first-time customers only. Once the trial concludes, Tilt charges an auto-recurring $8/month subscription fee. If you do not wish to pay the subscription fee, you must cancel your subscription before the end of your trial. If you are a returning customer, you will be charged $8 immediately. Cancel any time by visiting “Billing” in the mobile app or contacting help@tilt.com. Tilt's full suite of products and services is not available in all states. Cash Advance is not available to Connecticut, Maine, or Washington, D.C. residents. Click here to see if the Tilt Line of Credit is offered in your state.

Tilt customers are limited to one of the following at a time: Cash Advance, Tilt Credit Cards, or the Tilt Line of Credit.

Not everyone will qualify. Offers range from $10–$400 and can increase over time with positive repayment history. In June 2025, the average offer was $100 for first-time customers; $174 for all others. As of 01/2025, 75% of those who checked Cash Advance eligibility qualified. See Tilt's Terms for fee details.

Tilt Line of Credit subject to credit approval. We report your payments to the credit bureaus. Failure to make on-time payments may result in negative reporting to the credit bureaus, which may negatively impact your credit score. Instant delivery is optional. Fees may apply.

Eligibility requirements apply. Not everyone will qualify for a credit limit increase. If you fail to pay at least your minimum payment by the due date you will not be considered for a credit limit increase and your credit limit may be decreased.

Banking services provided by, and Tilt Debit Card issued by, nbkc bank, Member FDIC. Any balances you hold with nbkc bank, including but not limited to those balances held in Tilt accounts, are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Tilt accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank-list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.

Testimonials are representative of customer sentiment. They have been edited for length and clarity.