Being a parent is expensive enough and we’re here to help. Our credit card can turn your everyday spend into free diapers with an option to save for the future. With no annual fee, it truly is a no-brainer.

And did we mention that the credit card comes with 3 FREE boxes of diapers upon card issuance.

See if you qualify—with no harm† to your credit score!

† If you click "SEE IF YOU QUALIFY" above, DYPER will request a credit report that will not impact your credit score (a “soft inquiry”).

Existing cardholder? Click below to access your statement, rewards ledger and special offers.

Save today, invest for tomorrow

Our card is designed to ease the burden of diapering by rewarding new holders with free diapers (upon card issuance) and the ability to turn everyday purchases into more free products.

When done diapering, our partnership with EarlyBird™ allows card holders to convert points into money and transfer into a minor custodial account specifically designed for tax-optimized growth and held at a SIPC-insured member brokerage.


The credit card features 3 free diaper boxes upon card issuance, delivered via our retail partners, Walmart and Amazon.

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


Members can opt to transfer Perks™ points into their EarlyBird™ account. Choice can be made at any time, even before ending the diapering stage.

Growth can be 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.

DYPER is not a bank. DYPER Card is issued by Evolve Bank & Trust, pursuant to a license from Mastercard International. The credit card is subject to credit approval. Rewards are offered and managed by DYPER.
‍EarlyBird program is operated by EarlyBird Central Inc., an SEC-registered Investment Advisor. Brokerage services are provided to clients of EarlyBird Central Inc. by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA. Apex Clearing Corporation is a member of SIPC. SIPC protects against the loss of cash and securities held by a customer at a financially-troubled SIPC-member brokerage firm. The limit for SIPC protection is $500,000. For details, please see

Important Disclosures:
Investing involves risk, including loss of principal. Read more

Kinder card

Kinder card

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

The card carries no annual fee. 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 four points instead.

Redeem points by purchasing the DYPER products you want at your local Walmart store or

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

How to get going

See if you qualify

Click the button above to see if you qualify—with no harm† to your credit score!

Upon issuance

Upon card issuance you will be given points that can be redeemed for 3 boxes of diapers.

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

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 even the same day.

Click here for our DYPER Card™ point redemption values.

Why is this different than cash back?

Our card is simple and kind. Spend $600 get a free pack of diapers. Spend a bit more, just $1,500 a get a large 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.

What happens when you apply?

When you apply for a DYPER Credit Card, Evolve Bank & Trust (the bank) verifies your identity, evaluates your credit/payment history, and determines your ability to repay the credit card.

Signing up for a DYPER credit card includes a pre-qualification process (soft pull of credit - no impact to your credit score), followed by an application for credit (hard pull - may impact credit score).

These factors are summarized as follows:

  • Identity Verification: The bank will verify your identity (name, address, date of birth, identification number) before it can consider your application for a credit card.
  • Credit History: Your credit history is the track record that you have established while managing credit and making payments over time. It includes your credit score, which is an indicator of your credit health based on your payment history with other credit products. The bank also will review other factors, such as your history of making on-time payments on other credit cards, and lines of credit.
  • Ability to Repay: The bank considers your gross income (before-tax income), employment status, other debt obligations, and source of income to evaluate your ability to repay the credit card.

Click here for our DYPER Card™ FAQs.

Click here for the Cardholder Agreement.

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