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Rewards do not expire so long as the account is open, however, in cases where we suspect fraud or abuse, or other suspicious activity with respect to the Program or your Account, any unredeemed Rewards may be forfeited. See the Sunbit Rewards Card Rewards Program Terms and Conditions for more information.

You can track and manage your rewards directly from the Sunbit mobile app.

Generally, no, unless the amount you’re redeeming is at least as large as your current outstanding Account Balance. See the Sunbit Rewards Card Rewards Program Terms and Conditions for more information.

Pending Rewards are rewards that are earned / accrued throughout the current billing cycle. Available Rewards are your rewards available at any given point in time that can be redeemed for statement credit. Only Available Rewards can be redeemed as a statement credit. Pending Rewards cannot be redeemed as a statement credit until they are transferred to your Available Rewards Balance at cycle close. See the Sunbit Rewards Card Rewards Program Terms and Conditions for more information.

You can redeem rewards at your discretion directly in the Sunbit mobile app (rewards are not redeemed automatically). When you make a redemption, the redeemed amount will be subtracted from your Available Rewards Balance and applied as a statement credit to your outstanding Account Balance. See the Sunbit Rewards Card Rewards Program Terms and Conditions for more information.

We take your net qualifying purchases in a billing cycle i.e. the sum of all of your posted transactions less any returns, reversals, or negative adjustments, and we multiply this figure by 2% to determine your rewards for that cycle. This amount is then added to your available rewards balance in the Sunbit app at cycle close. See the Sunbit Rewards Card Rewards Program Terms and Conditions for more information.

Qualifying Purchases are purchases that are eligible to earn rewards, as defined in the Sunbit Rewards Card Rewards Program Terms and Conditions. Certain purchases are ineligible to earn rewards such as finance charges, payments, cash advances etc.  See the Sunbit Rewards Card Rewards Program Terms and Conditions for more information.

Rewards are earned automatically when you make qualifying purchases.

No, you’re not approved until you submit all required application information and are notified via email that your card application has been approved. Being pre-selected means that you have met initial eligibility criteria, however, you will need to submit an application to see if you are approved.

Eligibility is determined by several factors, for example, your payment history with us, general credit history, state of residence, and other factors. If you become eligible to apply, you may be notified with an email invitation containing a link for you to submit your application.

No, you’re not approved until you submit all required application information and are notified via email that your card application has been approved. If you received an invitation-to-apply email from Sunbit, that means you were eligible to apply, at least as of the time the email was sent. You will need to submit an application to receive a decision.

The Sunbit Rewards Card has numerous benefits including:

• 2% cashback on all qualifying purchases with no caps
• No categories to track with differing benefits or limitations 
• Flexibility to redeem rewards at your discretion directly from the Sunbit mobile app
• No application fee. No annual fee. No late fees. No foreign transaction fees.

Plus all the benefits of being a Sunbit cardholder including the ability to start earning rewards right away with your digital card (available on select devices) and to use your card everywhere Visa® is accepted.

The Sunbit Rewards Card offers customers 2% cash back on all qualifying purchases which they can redeem as statement credits directly from the Sunbit mobile app. In contrast, the Sunbit Card does not offer cash back.

The Sunbit Rewards Card is a new credit card offering customers unlimited 2% cash back on all qualifying purchases. Rewards can be redeemed in the form of statement credit directly from the Sunbit mobile app.

At this time, the Sunbit Card does not support cash advance transactions and cannot be used to withdraw money from an ATM.

Applications for credit line increases are not accepted at this time. However, we regularly review customer accounts to determine eligibility for future credit line increases. Some of the factors we consider include on-time payments, paying down your balance and overall credit performance.

Cards normally ship 2 days after your application is approved or after you request a replacement card. Once shipped, new or replacement cards are typically delivered within 7-12 business days. If your card has not arrived within 12 business days of shipping, please let us know and we’ll gladly assist you. Are you a Sunbit cardholder? If so, check your email to confirm your card’s shipment date. If you did not receive a shipment confirmation email, please let us know and we’ll gladly assist you.

It can take a few business days for your payment to fully post and reflect on your account. A number of factors such as the payment method type, whether it’s a weekend or holiday, and the specific time your payment is submitted may impact the overall processing time. Once your payment has been posted, your available credit will be updated. If your account is now in good standing as a result, you will be able to use your card again.

Your card may be blocked for a few reasons, including, for example, a suspected fraudulent transaction or unauthorized use, a purchase that is outside of your usual spending habits, or a missed payment. To unblock your card, please connect with our customer support team by phone or chat.

Once you have agreed to a loan term length, it cannot be modified. You can always pay your loan off sooner without any penalty, but your term length cannot be extended beyond what you originally chose.

If your loan needs to be canceled or adjusted, the merchant where you made your purchase will need to notify Sunbit of the new amount. Once Sunbit is notified, the purchase will either be adjusted or canceled (whichever applicable), and the original payment method on file will be reimbursed for any payments that were already made.

When applying for a loan, you will be able to view your personalized interest rate and how it is broken down into your monthly loan payments. The interest charge is already included in the total amount of your loan, so you will never pay more than what you agreed to. To view your specific interest rate, please refer to your loan agreement, which can be accessed through your Sunbit account or in the welcome email you received on the day you signed your loan.

Sunbit’s Customer Care team is here to work with you. If you need to change the recurring monthly due date for your loan or simply request an extension for a specific payment, please contact our Customer Care team at 855-678-6248 or at [email protected]. We also have hardship options available for extenuating circumstances.

Sunbit will accept monthly payments via mail if you are unable to use a debit card or remotely created check. Payments can be sent to the following address:

SUNBIT PAYMENTS
PO BOX  841238
LOS ANGELES, CA 90084-1238

We accept checks and/or money orders. Please include your first and last name and loan agreement number in the memo section of your check or money order.

Sunbit requires a bank-issued debit card or checking account and routing number to process your loan payments. Certain borrowers may also have the option to make their monthly loan payments by check or money order.

With your authorization, your payments are automatically debited or withdrawn on your assigned due date and will be processed using the payment method you provided. You can update your payment information by contacting our Customer Care team at 855-678-6248, by visiting mysunbit.com, or through the Sunbit mobile app. If you want to make an early or additional payment on your loan, you can call us or do so online or in the app as well. There is no fee for making early or additional payments.

You can find a copy of your loan agreement attached to the welcome email you received at the time of purchase. You can also access it online at mysunbit.com or through the Sunbit mobile app.

Loan amounts cannot be increased; however, if you choose to make a purchase for more than what you are preliminarily approved for, you can pay for the difference using your bank-issued debit card.

Loan “bills” are not sent to customers. All correspondence, including loan payment reminders, are emailed to you, using the email address you put on file pursuant to your consent to receive correspondence electronically, which can be revoked following the instructions in your loan agreement. We will email you a copy of your loan agreement and payment schedule as soon as you sign it.

Customers can manage their loans online at mysunbit.com or through the Sunbit mobile app, which can be downloaded from the Apple App Store or Google Play Store. If you haven’t created an account yet, simply choose the “create account” option and enter the requested details to locate your loan account and create a password. Be sure to enter the email address on file for your account.

Every time you finance a purchase through Sunbit, you enter into a new loan agreement with your lender. You may have several loans at a time, but they will all be separate contracts with their own monthly payments. These cannot be combined. If you want to finance a new purchase through Sunbit, you will need to re-apply.

A payment at checkout (aka, a down payment) is always required to finalize your loan. We’ll process this when you sign your loan agreement.

Yes, a payment at checkout (aka, a down payment) is always required to finalize your loan. This payment will be applied to your total purchase amount. If you apply and are preliminarily approved, you’ll be able to see the exact amount due at checkout for your purchase.

A soft credit check is run when you apply for a loan in order to assess your eligibility. This will not affect your credit score. However, accepting a loan may impact your credit score.

Yes, information about your account is reported to a major credit bureau.

Sunbit technology allows you to choose from a variety of payment plan options to finance your purchase over time instead of paying all at once.

You can call us at 855-678-6248 or email us at [email protected].  We will be happy to assist you with any questions.

If your next 1 or 2 payments (as indicated in the email) are made on time, you remain in good standing, and your credit profile has not changed significantly, then you can expect to get an invitation to apply for the Sunbit Card.

The Sunbit Card can be used anywhere Visa® is accepted, in-store or online.

Your statements will be sent electronically to the email address on file. If you don’t see the email in your inbox please check your promotion/social/spam/junk folder. You can request a paper statement in lieu of an electronic one by calling 855-678-6248 or emailing us [email protected].

If you pay your entire balance on or before the due date you will not be charged any interest. Otherwise, you will be charged interest as it normally accrues based on your average daily balance.

We don’t charge fees for late payments, early payments, origination, or penalties. There’s also no annual fee, no application fee, and no processing fee. We’re serious, no fees (except interest, of course).
Read the terms here.

The interest rate can vary slightly with the Prime Rate.
Read the terms here.

No, there is no annual fee.

No—your Sunbit Card is assigned to you, and for your personal use only.

You should get it in the mail within 7 to 12 business days after you’re approved.

The factors we review include your current income, whether you make on-time payments (with all creditors), and other applicable factors that impact your credit score.

Customer information and credit performance for offering customers a credit line increase are reviewed regularly. These factors include: on-time payments, overall credit performance, and other factors. In general, accounts become eligible for a credit line increase after:

• Accounts have been opened for several months.
• Have not received a credit line increase or decrease over the past several months.

If you’re approved, we’ll let you know what your credit line is right away.

You’ll find out as soon as you submit your application online.

We need this information to confirm your identity. 

No, the application needs to be done online.

You can use your virtual card immediately for online or in-person purchases by adding your temporary card details found in the Sunbit app to your digital wallet. (The Sunbit app is available on select mobile devices.) You can use your physical card as soon as it arrives, which is usually within 7-12 business days.

Completing the application will not impact your credit score. Once your account is opened, all account openings and payment activity are reported to a major credit bureau, which may affect your credit.

Have your phone nearby so you can verify your phone number. You’ll also need to provide some other information, such as your date of birth, the last 4 digits of your Social Security number, your income, and how much you personally pay on your rent or mortgage. You’ll also need to set up a payment method for your monthly payments.

The minimum payment due (“minimum payment”) is calculated to be the greater of $25 or 1% of your balance plus new interest, plus any past due balance. If the total outstanding balance is less than $25, then the total outstanding balance is the minimum payment.

For customers whose cards were issued prior to January 10th, 2024: if you have a purchase-related transaction on your account (or certain other events occur) and you are not late, we calculate the equal payments you would need to make on time in the next 36 billing cycles to pay your balance in full (assuming you make no further purchases).  This is the minimum amount you must pay in those next 36 billing cycles (unless, e.g., you make another purchase, you are late or certain other events occur).  In the event you are late, your minimum payment will also past due amounts. If you are current and do not have a purchase-related transaction on your account in a billing cycle (and certain other events do not occur), then we do not recalculate your minimum payment due for the next billing cycle and instead your minimum payment is equal to the amount calculated when you last had a purchase-related transaction to repay your balance in 36 billing cycles.

For customers whose cards were issued prior to January 21st, 2021, the above-mentioned calculations related to the minimum payment are made over 12 billing cycles.