Key Takeaways

  • Quickly and easily earn points after you sign up for a free account at MoneyLion.
  • Redeem a $25 gift card at Starbucks, Target, Amazon, and hundreds of other retailers starting at just 2,500 points.
  • You can earn more points by demonstrating good financial actions.

At MoneyLion, we want to help you achieve financial wellness. This means helping you get a personal loan when you need it, and also providing other tools and services to help you better manage your financial life. These tools include free credit monitoring, a free mobile app to track your finances, and resources on how to save money and manage your credit.

Earn valuable rewards for managing your money responsibly

We want you to do well financially; helping our customers achieve financial wellness is part of our company’s mission. And from a selfish standpoint, when you do well, we do well too because that means fewer late payments and defaults if you happen to also be a MoneyLion personal loan customer.

The idea behind our Rewards program is to reward you every time you demonstrate good financial actions, actions that get you closer to understanding and then proactively managing your money.

We view responsible financial management as fitting within five unique categories of actions.


To start off, Connect with MoneyLion  so that we can confirm who you are, both to ensure there’s no fraud occurring – for example, has someone taken your information to apply for a personal loan using your information? – as well as create a stronger MoneyLion community.

The second category is Borrowing Habits. For customers who have a personal loan with us you can earn points by making your loan payments and paying off your loan on time. We don’t want you to fall behind on payments, which ultimately can impact your credit worthiness if you want to get a credit card, auto loan, or buy a home in the future.

Then we want you to establish good Financial Habits, the first step of which is to know how much income, expense, and savings you have. Connect your bank, credit card, and other accounts so we can aggregate all of your information into an easy-to-view summary on the mobile app. We’ll also provide personalized tips on how to save money, alerts about spending patterns and fees, and more.

Because getting any loan depends on having a good credit score, Credit Habits is our fourth category. Sign up for free credit monitoring to get your credit score and see tips on how you can better improve your credit. You’ll also earn points every month you pay your bills on time, raise your credit score, and more.

Finally, we want you to be active and contribute to the MoneyLion community. Help Your Community by writing a review about credit cards you’ve used so other members know what cards are good or bad.

How to earn over 1,500 points after signing up at MoneyLion

Here’s a quick cheat sheet on how you can earn points in the first month after you sign up for a free account.

Points-Earning Action Points Earned
Upload a profile picture +100
Verify your mobile number +50
Link your Gmail contacts +500
Download and log in to the mobile app for the first time +100
Connect a bank account in the mobile app +500
Sign up to get your free credit score and credit monitoring +100
Write your first credit card product review +100
Make all your payments on time (monthly) +10
Keep your credit utilization below 10% (monthly) +10
Make first on-time loan payment +200
TOTAL POINTS +1,670

As you can see, it’s easy to earn your first $25 gift card!

Ready to earn your first gift card and get on the path toward financial wellness? Sign up for a free MoneyLion account or log in to start earning points today.

Full list of points-earning actions

To make sure you see the latest list, log into your MoneyLion account and navigate to the Rewards page and view the "Earn Points" section.