Earn Cash Back Without using
credit cards
Shop online or in-store, check out through Starfish (or Visa debit), and earn Perks back—plus get access to money & growth lessons
Earn Perks anywhere Visa is accepted
Starfish offers Visa prepaid debit cards, so you can earn Perks beyond a limited set of checkout methods—using a familiar way to pay.
Wider coverage: use it wherever Visa is accepted
Budget-friendly: prepaid helps you spend what you have
One rewards habit: earn while paying for normal life
Perks Program Highlights
Starfish is built to make earning rewards simple and practical for everyday spending. Instead of locking you into one store or one payment method, Starfish gives you flexible ways to earn Perks—while helping you stay in control of your money.
Earn Anywhere with Visa
Use the Starfish Visa prepaid debit card to earn Perks anywhere Visa is accepted. Spend only your money, avoid credit card debt, and make everyday spending more rewarding.
Shop AcrossEveryday Brands
Earn Perks across many qualifying national merchants, both online and in-store. You’re not tied to one brand—Starfish works seamlessly with how you already shop today.
Built for Real Life
Starfish keeps rewards simple and transparent. Earn cash-back Perks on eligible purchases and access tools and content built to support smarter, more confident financial decisions everyday users.
Welcome to Starfish
A platform where learning turns into real earning opportunities.
Earn and Learn with Starfish
Build real-world skills while earning through hands-on experience.
You’re not locked into one store—earn across everyday shopping.
Starfish is built for real-life spending. You can shop at qualifying national merchants, and earn Perks through the Starfish platform—in-store or online.
Qualifying national merchants
Both in-store + online earning
Rewards are based on eligible offers/purchases
Rewards that actually help—plus tools that help you grow
Starfish combines cash-back Perks with a simple checkout experience—and adds member value through exclusive content designed to help people improve financial and personal habits.
Earn unlimited Perks (cash rewards) up to 20% at once
Simple 3-step flow: Shop → Checkout → Earn
Exclusive access to The Rascal Podcast for subscribers
Our Happy Customers
Michael R
“I started using it for normal purchases and the Perks added up faster than I expected. Simple and easy.”
Sarah L.
“I like that it’s not pushing a credit card. It fits how I already shop.”
Emily K.
“Checkout is straightforward, and earning in-store makes it feel practical—not gimmicky.”
Frequently Asked Questions
Do I need a credit card?
No—Starfish is designed so you can earn Perks without relying on credit cards.
Can I use Starfish in-store and online?
Yes—Starfish supports both in-store and online use.
What are “Perks”?
Perks are cash rewards earned on eligible purchases
How much can I earn?
Offers vary, and you can earn up to 20% on a single purchase when eligible.
How does it work?
Shop at qualifying merchants, checkout using the Starfish platform, and earn Perks.
Start earning Perks on the money you already spend.
Shop online or in-store, check out through Starfish, and earn cash-back Perks on eligible purchases.
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