Get immediate credit for hours worked. EarnedCard is designed to help you improve your credit score. The EarnedCard mobile app allows you to quickly apply for the EarnedCard MasterCard. Once approved, you automatically receive Earned$ for hours worked, which increases the amount you can spend on your credit card. The app allows you to view: hours worked, Available to Spend, transaction history and more. Each payday your deposit account will be debited for purchases made with your card since your last payday. EarnedCard manages your payments to ensure they’re on time.