EarnIn US1 LLC
1 cardholder agreement · 249 KB
- Starting score100
- Forced arbitration with no opt-out-30
- Class-action waiver-12
- Jury-trial waiver-8
- Change-anytime clause-8
- Penalty APR-6
- Fair Terms score36 · grade F
See the exact wording behind each below.
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Contract X-Ray — what's buried in the fine print
5 red flags · 1 filed docDetected in the CFPB-filed cardholder agreements from EarnIn US1 LLC. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…d Account or Secured Account; and (iv) your enrollment for any Card, Card Account or Secured Account. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending…”
You can't band together with other cardholders in a class action.
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“…your records. PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION. Important Information about your Account: 1. Your Card and Card Account are provided by Evolve Bank & Trust. 2. Evolve has…”
You waive your right to have a dispute heard by a jury.
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“…your records. PLEASE READ THIS AGREEMENT CAREFULLY. THIS AGREEMENT IS SUBJECT TO MANDATORY ARBITRATION PURSUANT TO THE FEDERAL ARBITRATION ACT AND A WAIVER OF CLASS ACTION AND JURY PROVISION. Important Information about your Account: 1. Your Card and Card Account are provided by Evolve Bank & Trust. 2. Evolve has agreed to issue…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…ecured credit card account with us. This Agreement, and any future changes to it, is your contract with us and governs your Card and Card Account. We reserve the right to amend this Agreement at any time, by adding, deleting or changing provisions of this Agreement. When required by law, we will send you notice before doing so. We may notify you of ch…”
Slip up and your rate can jump to a much higher penalty APR.
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“…nual Percentage Rate 0% (APR) .001% This APR may apply to your account if you are more than 365 days late in making your required payment and we send Penalty APR and When it you notice 45 days before we apply this APR. Applies How long will the Penalty APR Apply? If the Penalty APR is applied, it will apply to…”
Checked & clear: Deferred interest
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.