The Membership That Pays You Back
Shift is the first platform where your assets stay yours. Unlock true capital efficiency with up to 5% cashback, and up to 5% interest even on money you spend.
Buy now, pay later while your capital never stops compounding.
Wealth that compounds itself
Deposit. Earn. Spend. Repeat. Your capital earns up to 5% annually - continuously, even as you spend.
Zero Foreign Exchange Fees
Spend anywhere in the world without hidden currency conversion fees eating into your funds.
Up to 5% Annual Yield
Your deposits earn up to 5% APY, continuously compounding even while you spend.
Up to 5% Cashback
Earn up to 5% back on every transaction, worldwide. Rewards that actually matter.
Fully Self-Custodial
Your keys, your assets. We never take custody of your funds. You remain in control always.
Worldwide Payments
Stablecoin, crypto, and fiat payments accepted globally. One card for everything.
Seamless Conversions
Convert between crypto and fiat instantly. No delays, no hidden spread costs.
Deposit. Earn. Spend. Repeat.
Three simple steps to unlock the full potential of your capital.
DEPOSIT
Fund your Shift account with stablecoins, crypto, or fiat.
EARN
Up to 5% APY accruing daily, fully self-custodial. We never touch your funds. Yield flows directly to your account.
SPEND
Use your Shift card anywhere in the world with up to 5% Cashback.
Your money. Your control. Always.
Unlike traditional banks, and most crypto cards - Shift never takes custody of your assets. Your funds remain in your control at all times.
Compound Your Money While You Spend
Up to 5% APY on all deposits, including what you've already spent. Settle at month's end while your full balance earns daily. Additionally get up to 5% Cashback on your transactions.
Calculate Your Savings
See how much you could earn with Shift
Your $500,000 deposit earns 5% APR ($2,083/month). And your monthly $15,000 spend earns 5% Cashback ($750/month). This offsets 18.89% of your $15,000 monthly spending.
Beyond Banking
Shift is powered by Visa Infinite. The most premier card that Visa offers, giving access to exclusive services.
Earn up to 5% cashback on every spend.
- Access Visa's exclusive concierge, lounges, experiences and discounts.
- Travel protection, purchase security, and emergency services included.
- Qualify for our highest membership and unlock perks like Priority Pass, premium subscriptions, dedicated advisor, exclusive events, and more.
Explore our Memberships
SHIFT TITANIUM
deposited
- 5% cashback on all transactions
- 2% APY on deposits
- Visa Infinite benefits
SHIFT OBSIDIAN
deposited
- 5% cashback on all transactions
- 3% APY on deposits
- Visa Infinite benefits
- Priority support
SHIFT INFINITE
deposited
- 5% cashback on all transactions
- 5% APY on deposits
- Visa Infinite benefits
- Dedicated advisor
- Exclusive events
The Shift Card is a Visa Infinite branded spend card. No credit is extended. Your spending is collateralized by your digital assets, which are settled at the end of every month. Cashback, yield, and other benefits are not guaranteed and are conditional on meeting deposit thresholds, membership requirements, and eligibility criteria, which may change over time. Digital assets involve risk and volatility. Shift is not a bank and assets are not FDIC insured. Use of the Shift Card constitutes acceptance of the Shift Card Terms, available on shift-bank.com.
Apply For a Shift Membership
Shift isn't for everyone. We partner with individuals who value discretion, efficiency, and returns. Applications are reviewed individually. Current members may extend invitations to their network.