For members · turn shopping into wealth
Make every purchase
grow your money.
Earn cash instead of forgettable rewards. Invest that cash in an investment account and watch your money grow. Automatically.
Target+$3.66invested
Sephora+$2.10invested
Walmart+$1.84investedHow it works
How you start growing your money.
Provide basic information about yourself. Or open it inside your credit union’s app.
Every qualifying purchase earns a shopping reward.
The reward is invested in your investment account and grows over time.
Featured brands
The brands you already shop.
+ 6,893 more brands available · Shop on the web
Wealth calculator
See what your shopping could turn into.
From shopping rewards: $3,600 · From your contributions: $12,000 · From investment growth: $6,901
That's $2,250 per year on average, from your rewards, your contributions and investment growth.
* Hypothetical illustration; not a prediction or guarantee. Investing involves risk, including possible loss of principal.
See full methodology & assumptions
Results are hypothetical, generated by compounding your inputs; results vary each use and over time. The default return is an illustrative assumption you choose, not a projection or target of any portfolio. Figures are before advisory and wrap fees (approximately 0.50% per year combined) and taxes, which lower results. The tool does not recommend, select, or favor any investment. Investing involves risk of loss. Assumptions as of July 2026.
What smart shoppers are saying
Real people, real investments.
I love how WealthMeUp makes building wealth feel effortless. Instead of feeling guilty about spending, I can shop brands I already love while putting something toward my financial future.Richa
Love the cashback offers. I have already used them for purchases at Nike, Sephora and for flowers. Excellent rewards that teach me how to invest.Mark
I appreciate how WealthMeUp has so many offers! Now I can shop online and get rewards from many big name retailers.Adan
* The above are testimonials from current clients of WealthMeUp Advisors LLC. These clients were not compensated for their statements and have no material conflict of interest in providing them.
How much do I need to start?
As little as $1. No credit card, no minimum balance, and no fee to open.
How do I fund the investment account?
Two ways: by the brands you shop at, or by your own contributions. Every qualifying purchase at 7,000+ partner brands adds a shopping reward to your account. You can also add your own money, one-off or recurring.
Is my money insured?
No. Investments are Not NCUA / FDIC Insured · No Institution Guarantee · May Lose Value. Your investment account is separate from your insured checking and savings.
What does it cost?
Nothing to open and no commissions. Advisory and wrap fees are approximately 0.50% per year combined, deducted from the account. For example, on a $1,000 balance that is about $5 a year.
Can I take my money out?
Yes, at any time. There is no minimum holding period; withdrawals go back to your connected account and standard settlement times apply.
What are the risks?
All investing involves risk, including the possible loss of the money you invest. Markets have grown over long periods historically, but past performance does not guarantee future results, and the value of your account will rise and fall. Your money is invested in a diversified portfolio managed by WealthMeUp Advisors LLC and matched to your profile. Diversification helps manage risk but does not ensure a profit or protect against loss.
Ready to turn your shopping into an investment?
No credit card required. Free to join. Start earning immediately.