Super+ Card Review with 10% Cash Back on SuperTravel Hotel Bookings
REVIEW

Key Takeaway: Super Card Builds Credit and Saves You Money On Travel As Well

The Super Card (also called Super Pay) is a "no credit check" cash back rewards secured credit card that is targeted at those who use the Super App or Super.com web site to book cheap hotel fares and purchase products from their online merchandise store. The Super Card does not check your credit (ie no hard inquiries) and simply requires you to link your debit card or checking account to Super. Once you have linked your debit card and passed an identity verification process, you can start using the card (virtual card before physical card arrives).

Super also requires that you open a Super Deposit Account (with MRV Bank) where you can receive your cash back rewards and have cash advance deposited. Unlike most secured credit cards that require a deposit (which is tied up and cannot be used or withdrawn until you close the secured card itself), the deposit that you make to your Super Deposit Account will simply be used to pay for your card purchase. Hence, unlike traditional secured credit cards, this deposit is not "tied up" as a collateral.

The Super Card is a Mastercard and so can be used anywhere Mastercard is accepted (not just the at super.com). There is no annual fee and the APR is 0% as well. However, you do have to pay a $15/month membership fee to be able to get the Super Pay Card. One of the big perks of the membership is that you will receive cash back when you use your Super Card to pay for your travel bookings on super.com. Specifically, you will earn 10% cash back when you make a travel booking and 5% when you make a regular merchandise booking from Super. All other purchases earn 1% cash back.

In this review, I will begin by explaining what Super.com is, their background and history before we dive into the details of the Super Card. I feel that it is important to understand Super.com before you make a decision as to whether the Super Card is for you. So let's get going.

Pros	Cons
No Annual Fee 0% APR 0% APR on cash advances No Foreign Transaction Fee 10% Cash Back on Travel, 5% on Super Store Purchases Deposit is used to pay for purchases Reports to 3 Major Credit Bureaus Savings on Hotel Bookings	$15/month Super Membership Fee Daily spending limits with Super Card Does not graduate to unsecured credit card

Some Cardholders Review

Best app i have ever used for cash advance. I got cash advance when no other app would give larger cash advance like cleo and albert brigit.

The SuperCash account and the card has got better benefits than most any premium credit cards. You can easily save a lot money on expenses, and not be troubled by credit inquiries to qualify or anything. I'd definitely recommend it (especially if you stay at hotels a lot, you get access to great deals and 10% cash back for bookings).

I have saved $600 so far in 4 or 5 trips. Most of the time, the app gives you the lowest prices (though not always). You have to at least try using this app to shop for a hotel.

Great app! You can save money on hotels with SuperTravel and products with SuperShop. If you are in the US, you can use the SuperCash as well and save even more on the hotel bookings.

I like this app because you can book a hotel, manage your money and buy stuff all in one app and in one place.

What is Super.com

Super.com started off originally as SnapTravel in 2016 as a travel booking site and platform that allows users to book hotel rooms through conversations with AI-based travel assistant. They personalize curated travel offers over SMS, voice and messaging platforms like Facebook Messenger and WhatsApp. In late 2020, SnapTravel created SnapCommerce, which is an AI powered Direct-to-Consumer ecommerce platform that offers personalized mobile shopping experience for their users. In late 2022, SnapTravel and Snap Commerce and their other brands rebranded to Super. At the time that this re-branding happened, Super also launched their credit card because they noticed that most of their customers used a debit card to pay for their hotel bookings.

"It's because they (their customers) typically didn't have access to credit or they were in fact afraid of credit, and in fact, 54% said they wanted access to credit and they could not get it", said Super CEO Hussein Fazal in an interview with TechCrunch, "Launching this SuperCash Card makes you think holistically about how all this stuff works together. For every spend decision our customers make, we want them to come to us because it's a better way to spend because they're going to save 20% to 30% on hotels and build a credit score while getting cash back".

Aside from the travel booking and online e-commerce platform, Super also offers other money saving features on their app. They have games where you can play for cash which can later be redeemed. They also provide links on their app for users to take surveys and earning cash which can be cashed out or to save on their next hotel booking. Super also has an insurance portal where you can shop for the cheapest insurance, whether it is rent, auto etc. Another feature that the Super App has is that you can get discount coupons on your pharmacy prescription. You simply have to search for the drug you are looking for, print out the coupon and simply bring it to your pharmacy. Super has their own mobile plan. I am not going to go over it but if you could compare your own plan with theirs if you want to.

Super Membership

You can book a hotel using the Super app without joining their paid membership. In fact, you can use their insurance portal, join their mobile plan get your prescription cooupons, take their online surveys and earn cash playing online games all by just signing up with Super without the paid membership. However, having a paid Super Membership will allow you to get the Super Card, which then allows you to earn 10% cash back on ALL SuperTravel hotels, 5% cash back on other Super Merchandise purhcases. Furthermore, you can also save 5 cents per gallon savings with partner gas stations. These benefits can only be unlocked with a Super Membership, which cost $15 a month.

Super Card Fees

Annual Fee	$0
APR	0%
Foreign Transaction Fee	0%

The Super Card has no annual fee. And the APR is also 0%. The Super Card can be used in the US, Mexico and Canada and there are no foreign transaction fees (though Mastercard will charge a fee for foreign exchange).

Super Card also allow some cardholders to take out cash advances of up to $200. There is no interest rate for these cash advances (ie APR for Cash Advance is 0%).

Super Card does not check your credit or do any hard inquiry. They also report to all three major credit bureaus (Experian, Equifax and TransUnion). It will show up as super.com in Experian and TransUnion and as super.com/MRV bank in Equifax.

How Does the Super Card Work?

The Super Card is technically a secured credit card. But it works differently from a traditional one. Let me explain. In a traditional secured credit card, you have to put up a security deposit with the card. This security deposit then becomes your credit limit and protects the issuer in case you default. You cannot use the security deposit to pay your credit card bills and it is only refundable from you close out the secured credit card.

Credit Limit from 2 Sources

The Super Card however, works differently. When you sign up for the Super Card, you will be asked to link your debit card to the Super App. Once you link you your debit card to the Super App, you can start using the Virtual Card until your physical card arrives. You can also set up your card in your digital wallet. Super Card allows you to use your card without pre-funding your Super Deposit Account.

Super will also ask you to make a security deposit into a "Super Deposit Account". You can deposit up to $5,000. The Super Deposit Account is with MRV Bank (the issuer of this card) and is FDIC insured up to $250,000 (though you will never put more than $5,000 into this account). Though Super allows you to use your card even if you do not have money in your Super Deposit Account, you have to set it up and fund it with some money because the cash back that you earn will be deposited into this account (more on this later). And if you wish to take a cash advance from Super, it will also be deposited into this account (more on this later).

When you make a purchase, Super Card will use any funds from your Super Deposit Account. If there is not enough money in the Super Deposit Account to cover the purchase, it will then pull the difference from your linked debit card. When you set up your Super Deposit Account, autopay is automatically enabled.

So you can see how this Super Deposit Account is different from a traditional secured credit card security deposit. In a traditional secured credit card, your security deposit simply acts as a collateral for the card issuer and also acts as your credit limit. In the case of the Super Card, the money that you put in the Super Deposit Account is used to pay for your purchases. So this "deposit isn't really tied down". Also, the amount in the Super Deposit Account is also not your full credit limit because if you do not have enough, they simply pull the difference from your linked debit card.

Though you can have up to $5,000 in your Super Deposit Account, it does not mean you can make a lump sum $5,000 purchase on your Super Card. In fact, there are daily and weekly spending limits as follows:

• Single POS Transaction: $500
• Daily Spending Limit: $1,000
• Weekly Spending Limit: $2,000
• Monthly Spending Limit: $5,000

Funding Your Account

There are various ways to fund your MRV Bank Super Deposit Account. You can do so from your Super App by linking your bank account or debit card to the app. Once it is linked, you can simply transfer funds from the app. You can also choose to link your Super Deposit Account to your banks' account and transfer the money from your banks' website or app.

You can also transfer money to your Super Deposit Account via CashApp, Venmo or PayPal. To do so, you simply have to set up your Super Deposit Account (MRV Bank) as a linked account to eith CashApp, Venmo or Paypal. You can then use these apps to transfer money to yoru MRV Bank Super Account.

Even though you can fund your Super Deposit Account up to $5,000, you cannot transfer $5,000 all at once, there are daily, weekly and monthly limits on fund transfers as follows:

• Single Bank Transfer or Debit Transaction: For individual transactions through bank transfer or debit, the maximum deposit limit is $500.


• Single Direct Deposit: For individual direct deposits, the maximum amount receivable is $1,000.


• Monthly Funding Limit: The cumulative deposit limit per month is $5,000.


• Maximum Account Balance: The highest balance allowable in your Super account is $5,000.

You Can Also Withdraw Cash From Your Deposit Account

You can also withdraw cash from your Super Deposit Account. You could simply use any ATM to do so. When you are withdrawing cash from an ATM, you have to choose checking account when you are asked whether you want to withdraw from a checking or savings account. If you withdraw cash from MoneyPass ATM, there will be no fee. If not, you will be charged a $2.50 fee fro withdrawing cash from a non-MoneyPass ATM. You can find locations of MoneyPass ATMs here.

There are some ATM withdrawal limits that you have to be aware of:

• Single ATM Withdrawal: $100
• Daily Limit: $200
• Weekly Limit: $500
• Monthly Limit: $1,000

You can also withdraw cash from your Deposit Account through a bank teller (OTC - over the counter) of a Mastercard Affiliated Bank with the following limits:

• Single OTC Bank Withdrawal Transaction: $1,000
• Daily Limit: $1,000
• Monthly Limit: $5,000

How Does Cash Back Work?

The Super Card has a really good cash back program that will help you save more money on your hotel bookings.

How to Earn Cash Back

The Super Card allows you to earn cash back on all your purchases. It is technically a bonus category cash back credit card and this is what you can earn with the Super Card.

• 10% cashback on all bookings with Super Travel
• 5% cashback on anything from Super Shop
• 1% cashback on everything else (wherever Mastercard® is accepted)

The cash back that you earn with the Super Card does not expire.

How to Redeem Cash Back?

There are two ways that you can redeem cash back. You can either redeem your cash back. You can either transfer it to your Super Deposit Account or you can redeem it when you book a hotel.

To redeem your cash back to your Super Deposit Account, simply login into your digital wallet through the Super.com app or online account and select "Redeem Cash" in the middle of the page. Choose the amount you would like to have transferred to your Deposit Account and press "Transfer".



If you want to redeem it when you book a hotel, simply choose the redeem section under the rewards tab. Using the method, there is an additional option to redeem for a hotel booking as well.

There are Limits to Cash Back Redemption

Super.com has some limits on how much cash back you can redeem at once. Here are their rules.

Per Day: You can treat yourself to up to $200 cashback daily.
Per Week: Feel like splurging a bit more? That's $500 cashback weekly.
Per Month: Looking for a big reward? You can cash out up to $1000 cashback monthly.

The fact that they have rules limiting how much cash back you can redeem a day may affect how you to choose to redeem cash back for hotel bookings. If you intend to spend more than $200 on your hotel bookings, rather than redeeming the cash back when you book the hotel through your Super Card, you should take a couple of days and transfer the cash back to your Deposit Account instead because of the daily $200 limit.

Super Card Gives You Cash Advance

If you are a super.com paying member and have the Super Card, you MAY be eligible to take cash advances of up to $200. You will know if you are eligible to apply for the cash advance if the option to apply appears on your Super App home screen. In order to qualify for the cash advance, you will have to link an external bank account to your Super Deposit Account (in addition to linking your debit card when you applied for the card). You will also have to meet Super's underwriting guidelines (which they will not disclose). The external account that you link to your Deposit Account should be your main bank where your income (either work or goverment benefits) are deposited. You can find the list of supported banks here. At his moment, new Fintech banks like Varo, CashApp, MoneyLion, Acorns, Dave, Current or Albert are not supported on Super.com for this purpose.

The Cash Advance will be deposited in your Super Deposit Account. The maximum amount you will be approved for is $200 and you can be approved for less than this amount as well. There is no interest rate charge so the cash advance APR is 0%. Your repayment date will be set (between 3 and 8 days). Once the repayment date is due, money will be taken from your Super Deposit Account to pay back Super (you are set up for autopay automatically so you do not have to do anything). If there are insufficient funds in your Deposit Account, money will be taken from your debit card, then linked bank account if necessary.

You can only take one cash advance at a time. As Super does not charge any interest rate, this cash advance is a great alternative for those looking for very short term pay day loans.

Differences with Regular Secured Credit Cards

On the surface, the Super Card is very similar to rebuilder credit cards. They have no credit credit checks and charge no annual fee as well. But it different in some significant ways. There first difference is that though they do not charge any annual fee, you need to be a paying member of Super.com. And that cost $15 a month.

The Super Card is one of the few secured credit cards that has travel rewards. And the travel rewards are very generous as well because you can get 10% cash back from booking hotels with Super.com. You can also earn 5% from the Super.com shop and 1% on every other regular purchases you make with the Super Mastercard. The 10% and 5% cash back is arguably the most generous rewards I have seen in any secured credit card.

Another difference between the Super Card and regular secured credit card is that the money that you deposit in the Super Deposit Account is not really tied up. Though it kind of sets you credit limit, the money in the Deposit Account is used to pay off your purchase. This is in stark contrast with regular secured credit cards whereby your security deposit is held as a collateral in case you default on your payment. So the Super Card does NOT tie up your cash with a security deposit but rather more like pre-funds your spending limit.

The Super Card is also the rare secured credit cards that provides cash advance at 0% APR for 3-8 days. All other secured credit cards allow you to get cash advance from an ATM but at a higher APR which has no grace period.

So while the Super Card has no annual fee like many secured credit cards and does not check your credit like some, it is different in many ways and in particular, it will work best for folks who already use the SuperTravel app for booking hotels and want to save even more while building their credit with the Super Card.

Super Card is Worth It for Those Who Use SuperTravel to Book Hotel Rooms

The Super Card is very unique secured credit card that will appeal to those who use the Super App to book hotels and who also want a credit card to rebuild or build their credit history. If I evaluated the Super Card just as a credit card, I have only good things to say about it. Firstly, there are no credit checks. So you won't face any hard inquiry or dings to your credit score that comes from a typical credit card application. You will be approved as long as you link a debit card or a bank account to Super. There is no annual fee and the APR is also 0%. Unlikely most secured credit cards where you have to fund and hence tie up a security deposit, with the Super Card, the security deposit will actually be used to pay for your purchase. So all you have to do is top it up when the balance gets low. With Super, your money in the Super Deposit account is never tied up and sitting there without earning any interest.

Those who qualify will also be able to take out an interest free cash advance for up to $200 for 3-8 days. This will also appeal to people who have to take out some short term loans once in a while.

For those who use the SuperTravel App to book hotel rooms, being able to earn 10% cash back will add to even more savings that they get using the Super App. Most people who stick to using the Super App to book hotel rooms find that they can get more savings than using other sites like booking.com, expedia.com, hotel.com or trivago.com. Having the 10% cash back on top of that is the icing on the cake. If you shop with the Super App, then the 5% savings can also add up.

To get the Super Card, you need to be a paying member of the Super App. This will cost $15 a month or $180 a year. So is the Super Card worth getting? The answer is simple. If the savings you get from your hotel bookings and the cash back that you can earn add up to at least $180 or more, then I would say the the Super Card is worth getting. You get to save on hotel bookings, online purchases on the Super App, 1% on other non-Super app purchases and you get to build your credit as well. Furthermore, you do not have to tie up any security deposit like a traditional secured credit. Based on our review and evaluation, I would give the Super Card a 4 star out of 5. If you use the Super App to book hotels and you want a card to rebuild or build your credit, then I have no hesitation recommending the Super Card.

FREQUENTLY ASKED QUESTIONS

What is I do not have any or not enough money in my Super Account?

What is I do not have any or not enough money in my Super Account?

Can I use my Super Card immediately after I am approved?

Can I use my Super Card immediately after I am approved?

Where can I use my Super Card?

Where can I use my Super Card?

When will funds appear in my Deposit Account after I have added money to it?

When will funds appear in my Deposit Account after I have added money to it?

How do I withdraw funds from my Deposit Account?

How do I withdraw funds from my Deposit Account?

Can I opt out of autopay?

Can I opt out of autopay?

How do I close my account?

How do I close my account?

Can I temporarily lock/freeze my Super Card?

Can I temporarily lock/freeze my Super Card?

How do I replace my Super Card?

How do I replace my Super Card?

How do I change my security PIN?

How do I change my security PIN?

How do I view my monthly statements?

How do I view my monthly statements?

Why is my cash back pending?

Why is my cash back pending?

How to Apply?