Commerce · alternatives · 2026

24 alternatives to Underpay

You don't need a credit card to earn rewards (anymore)

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Underpay launched in 2022; newer entries below may have overtaken it.

1. 1
   CardPointers▲112

   Easily earn more cash back & points from your credit cards

   2022 · cardpointers.com · its alternatives →

2. 2
   Underpay▲75

   Bank-to-bank payments that grow your business

   2023 · its alternatives →

3. 3
   Point▲220

   Banking made rewarding

   2019 · its alternatives →

4. 4
   Cash Boost▲170

   Get instant cash back with Cash App's new rewards program✨💸

   2018 · cash.app · its alternatives →

5. 5
   RewardsRebate▲73

   The Rakuten for credit card applications

   2023 · its alternatives →

6. 6
   SOLO▲216

   Get paid anywhere with cards, using a personal link.

   2015 · its alternatives →

7. 7
   Debitize▲160

   Credit card perks without credit card debt

   2016 · its alternatives →

8. 8
   Debitize▲19

   Credit card perks without the debt, now on iOS

   2018 · its alternatives →

9. 9
   Waly▲73

   Maximize Rewards & Cashback

   2021 · apps.apple.com · its alternatives →

10. 10
    AddUp▲73

    Earn maximum credit card rewards while shopping online

    2022 · its alternatives →

11. 11
    Cardless▲98

    The future of credit cards

    2021 · cardless.com · its alternatives →

12. 12
    AwardHunt▲97

    Discover where you can fly for free with credit card points

    2018 · its alternatives →

13. 13
    momo▲138

    Get the credit card that gives you the most in rewards

    2022 · its alternatives →

14. 14
    Melio Payments▲77

    The simplest way to pay vendors & contractors

    2022 · melio.grsm.io · its alternatives →

15. 15
    Rand▲116

    Build lasting wealth, earn 5% APY

    2023 · rand.app · its alternatives →

16. 16
    Point▲36

    The most rewarding bank account ever

    2019 · atlascard.com · its alternatives →

17. 17
    Exact Pay by Raise▲81

    Instantly earn cash back at all your favorite brands

    2019 · apps.apple.com · its alternatives →

18. 18
    RightCard▲117

    The honest credit card picker — no bank login

    Aug 2026 · apps.apple.com · its alternatives →

19. 19
    AddUp Rewards▲66

    Earn more rewards

    2023 · its alternatives →

20. 20
    Bankoff Business▲83

    Borderless banking without banks

    2021 · bankoff.co · its alternatives →

21. 21
    PangoPay▲76

    Get paid faster.

    2020 · its alternatives →

22. 22
    Payroll by Card App▲33

    Payroll Funded by Credit Card

    Jan 2026 · apps.apple.com · its alternatives →

23. 23
    Fold App▲66

    Earn Bitcoin on any purchase

    2022 · foldapp.com · its alternatives →

24. 24
    3% APY Borderless Business Bank Account▲47

    Be your own bank

    2023 · datamynt.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →