Being a parent is expensive enough. Get the card that turns your every day spend into free diapers now or savings for the future. With no annual fee and soft credit check to qualify, it truly is a no-brainer. And did we mention that approved applicants get 3 months of diapers FREE.

Save today, invest for tomorrow

Our card is designed to ease the burden of diapering by rewarding new members with three months of free diapers and the ability to turn everyday spend into more free products.

When done diapering, our exclusive partnership with EarlyBird™ allows members to transfer 1% of future spend into a minor custodial account specifically designed for tax-optimized growth.


The card features 3 months of free diapers, delivered via our retail partners such as Walmart and Amazon after making a first $1 purchase.

For every $1 charged in the future, members earn two Perks™ point, redeemable for diapering products. Members earn double points per $1 spent on DYPER.COM.

See Terms and Conditions


Members can opt to receive unlimited 1% cashback deposited into their EarlyBird™ savings account. Choice can be made at any time, even before ending the diapering stage.

Growth is tax-advantaged, as earnings are taxed at minor's rate, which is typically much lower than parent's. Other family members can also contribute to maximize growth for the future.

Credit card issued by Evolve Bank & Trust; Member FDIC pursuant to a license from MasterCard International Inc. All company names are trademarks™ or registered® trademarks of their respective holders. Use does not imply any affiliation with or endorsement by them. Subject to credit check and approval.

Kinder card

Kinder card

We wanted to design a card that is simple to qualify for, simple to use and simple to realize benefits.

The card carries no annual fee. Qualifying will not affect your credit score. And using it requires no PhD in math.

Spend $1 at your gas station, grocery store, restaurant or even pay rent to earn two Perks™ points. Spend on DYPER.COM and earn five points instead.

Redeem points by purchasing the products you want at your local Walmart store, or Amazon.

Submit proof of purchase by snapping a picture of your receipt. Our system will validate the purchase and credit your account within 72 hours of submission.

How to get going

Fill out the application

Fill out a brief form and find out if you qualify with no impact on your score.

Once pre-qualified, complete the application to receive an instant decision.

Get 3 FREE months of diapers

After approval, spend just $1 to activate your card and receive 15,000 Perks™ points, credited over 3 months.

5,000 points are enough for two Club boxes redeemable at our retail partners.

Redeem FREE diapers

The redemption process requires no forms, no coupons and no hassles. Spend as little as $500 on your card and get a FREE pack of diapers. Simply purchase the size you need, snap the picture of your receipt and our system will automatically credit your account with the amount spent including taxes.

Spend, earn and repeat

Use your card for everyday charges to maximize rewards. Add your spouse or your parents as authorized users and turn collective purchase habits into more free diapering products or savings for the future.

Put “save for the future” on the done list

Put “save for the future” on the done list

Open or connect your child's first investment account with EarlyBird™, the most meaningful way to save for the future with family and friends.

Fund your child's future by transferring from your card to your account in $10 increments. Your baby's wealth could grow to $25,000 at age 18 if you invest just $40/month, considering the historical average rate.

Any hypothetical performance shown is for illustrative purposes only. Such results do not represent actual results and do not take into consideration economic or market factors that can impact performance. Actual clients may achieve investment results materially different from the results portrayed. Chart assumes an 8% annual return and an additional $1,000 in annual contributions from family and friends under the EarlyBird projection.

A few quick answers

What credit score is needed to get this card?

We're using a combination of credit scores and modern undewriting to expand access to the card. Generally speaking, scores of 640 and above should be approved based on an acceptable debt to income ratio and history of positive payments.

Where can I use the card?

Our card is operating on Mastercard platform, making it one of the most accepted payment cards. More than 8,000,000 merchants will accept our card in US; card is accepted in more than 200 countries, so don't leave your home without it.

Do I have to go to the store to redeem?

No, although you may like the experience. However, you can order your free or redemption diapers on or and have them delivered, sometimes event the same day.

Why is this different than cash back?

Our card is vastly different than a traditional cash back card. Most have annual fees, earning limits and arcane category limitations.

Our card is simple and kind. Spend $1,200, get a box of diapers. Double that in a given month and never have to pay for diapers again.

What's the deal with EarlyBird?

EarlyBird is one of the best ways to save for your child's future needs, including college or first home.

EarlyBird is an independent entity and opening an account is not a requirement for using the card. When you want to transfer earnings, you will need to open a new account or connect an existing one.

Please visit for additional information, terms and conditions of their offering.

No account? Apply now and secure three months of diapers FREE on approval.

Existing holder? Access your statement, rewards ledger and special offers.