Credits are rewards points you receive for your positive financial actions. For example, one way to earn credits is by connecting a savings account to SaveUp and depositing money into that account. For every dollar saved, you earn one credit. Similarly, you will earn credits for ever dollar paid down on your linked credit cards and loans, as well. You can then use these accumulated credits to play for available prizes on our site and app. For details on how to earn credits for savings deposits and debt payments, please see Do I receive credits on all accounts?
When earning credits for saving and paying down debt, it may take up to 48 hours for credits to be awarded after your transactions have been refreshed on SaveUp. For debt and savings accounts, credits are awarded nightly (1AM PST). For spending accounts, credits are awarded monthly (on the 1st of each month). Please see our Credit Rules for more info.