What is the Lion’s Share Loyalty Program?

With the Lion’s Share Loyalty Program, the more you use your membership, the more you can get back. To be eligible, you must be a Credit Builder Plus member and have an active RoarMoney account and MoneyLion Investment Account. 

The program has four tiers — Bronze, Silver, Gold, and Platinum. Your program tier is determined at the end of each month based on:

  • How many days you have logged into the app that month 
  • How many qualified purchases of $10+ you made that month with your MoneyLion Debit Mastercard® and/or RoarMoney virtual card



Purchases of $10 or more per calendar month

Days of MoneyLion app logins per calendar month

Lion's Share payout


20+ purchases

20+ days of logins



10-19 purchases

15-19 days of logins



5-9 purchases

10-14 days of logins



1-4 purchases

5-9 days of logins



You must meet both requirements — days of logins AND number of MoneyLion Debit Mastercard or RoarMoney virtual card transactions — to qualify for any given tier. So, let’s say the number of purchases you have made satisfied the requirement for Platinum, but the number of days you logged in falls within the Bronze range, you would qualify for Bronze that month.

Purchases that qualify for Lion’s Share rewards are purchases for goods or services of at least $10.00 that you make with your MoneyLion Debit Mastercard or RoarMoney virtual card that post to your account during a particular calendar month, after subtracting any returns, credits, or other adjustments. Qualified purchases do not include balance transfers, cash advances, loan proceeds, ATM transactions, finance charges, fees, interest charges, gambling transactions, peer-to-peer transfers from services such as PayPal, Cash App or Venmo, unauthorized/fraudulent transactions, and certain other charges. 

Lion’s Share payouts will generally be deposited into your MoneyLion Investment Account within five business days of month-end.

Your Credit Builder Plus membership fees and loan payments must be in good standing at the end of the month for you to receive a payout. MoneyLion Debit Mastercard and RoarMoney virtual card purchases must be $10 or higher and posted by month-end (not simply pending or authorized) to count toward your total transactions for the month. Any transactions not posted within the month will count toward your next month’s Lion’s Share.


Lion’s Share℠ Loyalty Program and monthly payment are subject to terms and conditions, see here.

Credit Builder Plus membership ($19.99/mo) unlocks eligibility for Credit Builder Plus loans and other exclusive services. A soft credit pull will be conducted which has no impact to your credit score. Credit Builder Plus loans have an annual percentage rate (APR) ranging from 5.99% APR to 29.99% APR, are made by either exempt or state-licensed subsidiaries of MoneyLion Inc., and require a loan payment in addition to the membership payment. The Credit Builder Plus loan may, at lender’s discretion, require a portion of the loan proceeds to be deposited into a reserve account maintained by ML Wealth LLC and held by Drivewealth LLC, member SIPC and FINRA. The funds in this account will be placed into money market and/or cash sweep vehicles, and may generate interest at prevailing market rates. You will not be able to access the portion of your loan proceeds held in the credit reserve account until you have paid off your loan, and until your Credit Builder Plus membership payments are current. If you default on your loan, your credit reserve account may be liquidated by the lender to partially or fully satisfy your outstanding indebtedness. May not be available in all states.

Credit Reserve Accounts Are Not FDIC Insured • No Bank Guarantee • Investments May Lose Value. For important information and disclaimers relating to the MoneyLion Credit Reserve Account, see Investment Account FAQs and FORM ADV.

Credit score improvement is not guaranteed. A soft credit pull will be conducted which has no impact to your credit score. Credit scores are independently determined by credit bureaus, and on-time payment history is only one of many factors that such bureaus consider. Your credit score may be negatively impacted by other financial decisions you make, or by activities or services you engage in with other financial services organizations. MoneyLion is not a Credit Services Organization.

MoneyLion is a financial technology company, not a bank. RoarMoney℠ demand deposit account provided by, and MoneyLion Debit Mastercard® issued by, MetaBank®, National Association, Member FDIC. RoarMoney is a service mark of MoneyLion. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account.

Investment advisory services provided by ML Wealth LLC. Investment Accounts Are Not FDIC Insured • No Bank Guarantee • Investments May Lose Value. For important information and disclaimers relating to the MoneyLion Investment Account, see Investment Account FAQs and FORM ADV. Broker-Dealer may charge a $0.25 ACH withdrawal fee, among other fees. Accounts are subject to administrative fee of $1 per month.

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