Introducing
The Voyabay Card
A debit card that earns you points on everything you buy. Redeem them on hotels, rentals, and flights. No annual fees — just an annual bonus.
Join the waiting list
Enter your email and we'll notify you when the Voyabay Card is available.
How Voyabay Points work
Every swipe gets you closer to your next trip.
Spend anywhere
Use your Voyabay Card for everyday purchases — dining, groceries, gas, subscriptions, and more.
Earn 1.5% back
Every dollar you spend earns 1.5% back in Voyabay Points, automatically credited to your account each billing cycle.
Redeem on Voyabay
Use your points toward hotels, vacation rentals, or flights. Apply them at checkout — it's that simple.
Your annual bonus, every year
Most banks earn money on the "float" — the interest generated from the average balances their customers hold. Instead of pocketing that, we give it back to you.
Every year on your card anniversary, your share of the float is deposited into your Voyabay account as bonus points. No minimum spend, no hoops to jump through.
Card perks at a glance
No annual fee
Keep the card forever — it costs nothing.
No credit check
Applying won't impact your credit score.
1.5% back on everything
No categories to track, no caps on earnings.
Annual bonus points
Free points every year on your anniversary.
Redeem for travel
Points work on hotels, rentals, and flights.
It's a debit card
No borrowing, no interest charges, no debt.
Frequently asked questions
You earn 1.5% back in Voyabay Points on every purchase you make with your Voyabay Card — groceries, gas, dining, online shopping, everything. Points are automatically added to your Voyabay account each billing cycle. The Annual Bonus requires direct deposit to be set up, but the 1.5% back is earned on all purchases regardless.
Points can be applied toward hotels, vacation rentals, and flights on Voyabay. Simply select "Pay with Points" at checkout to apply your balance.
No. The Voyabay Card is a debit card, so there is no credit check required. It won't affect your credit score.
Banks earn interest on the average balances their customers hold — this is called the "float." Instead of keeping that money, we give it back to you. Every year on your card anniversary, your share of the float is deposited into your Voyabay account as bonus points. The more cardholders participate, the larger the pool.
After subtracting operating costs, we give back the annual profits to cardholders. The size of the bonus depends on how many people use the card — the more cardholders, the larger the pool.
The Voyabay Card is a debit card. It draws directly from your funded account — no borrowing, no interest charges, no debt.
No annual fees and no hidden charges. The Voyabay Card is completely free to hold.
Yes. The Voyabay Card is accepted everywhere major debit cards are accepted, both online and in-store, worldwide.
Start earning with every purchase
Join the waiting list for the Voyabay Card — no credit check, no annual fees.