The only 10% cash back credit card.
The only credit card that converts cash back rewards into a 10% retirement windfall. We earn transaction fees when you spend money, invest those fees in guaranteed annuities, and give you a 10% return for the future you deserve.
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Not Just 1% Cash Back,
10% Cash Forward.
Standard credit cards give you 1% back and call it a win. We take the fees merchants pay us and place it into 15-year locked annuities, producing a 10% absolute return.
Swipe Your Card
Your $100 grocery trip earns $2 in cash back rewards
We Invest It
Rewards go into annuities that guarantee $10 in 15 years
You Get 5x More
We pass the full annuity payout directly to you
10% Total Return
That's 10% back on every tap, swipe, and click
How much can you save?
Every Tap is a Tax-Free Contribution.
We don't just 5x your rewards; we protect them from the IRS. By automatically directing your earnings into a specialized IRA, your 10% cash back grows—and stays—entirely yours, without having to pay tax when you withdraw it after age 65.
| Monthly Spend | 15-Year 5x Payout (10% Total) | Total Tax-free Retirement Pot |
|---|---|---|
| $1,000 | $100 | $30,000 |
| $3,000 | $300 | $90,000 |
| $5,000 | $500 | $150,000 |
View Your Savings In Real-Time.
The "Future Value" Tracker
Don't just see what you spent today; see what those purchases will be worth the day you retire.
Learn →Annuity Milestones
Track every transaction as it matures. Watch your "2026 Morning Coffee" turn into a "2051 Grand Dinner."
Learn →The Growth Dial
Adjust your spending categories to see how shifting your budget today impacts your projected 15-year payout.
Learn →Everything You'd Expect, Plus More
Start building your windfall
Apply for Tax-Free RetireCard today and turn spending into retirement security