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A Zero-Fee
Cashback Debit Card
for Everyone

No Banking Fees.
Cashback + Saving Bonus.
FDIC Insured.
No Banking Fees.
Cashback + Saving Bonus.
FDIC Insured.
HOW WE ARE DIFFERENT

Get Double Cheese Reward.

Cashback + Saving Bonus

Let’s say you pay $50,000 in school tuition. With the Cheese Card, you’d get $500 cash back! Moreover, you could get 3% deposit bonus by inviting your friends after joining our waitlist.

HOW WE ARE DIFFERENT

Get the Highest Reward.

1% - 3% Interest + 0.5% Cashback

Let’s say you pay $50,000 in school tuition. With the Cheese Card, you’d get $250 cash back!

HOW WE ARE DIFFERENT

We Don’t Charge Fees.

The Cheese Card has no fees. Small savings add up to a big win!

HOW WE ARE DIFFERENT

Build Your Credit History.

Start building your credit score with Cheese from day one. It’s the easiest way to start improving your credit score.undefined

HOW WE ARE DIFFERENT

FDIC Insured.

FDIC insures your account up to $250,000.
Your money is perfectly safe.

EARN FROM WHAT YOU LOVE

Get Cashback for Up To 10%

Cheese makes no representations as to accuracy, completeness, currentness, suitability, or validity of any information on our application and will not be liable for any errors, or omissions in the information provided for the merchants participating in the cashback program. All content reflects third party programs at a given time and can change as time progresses. 

What Others are Saying about Us...

"I didn’t know much about banking in the US. With no credit history, I didn’t think I had any good options. I was so surprised when I heard Cheese is designed for us, and offers benefits that I never thought I could get!"

Tracy - International Student at USC

"In order to control my budget, I choose to only use debit cards after paying off all my credit card debt. It's the caviar on top that Cheese is a debit card but with credit card benefits. Plus, it’s nice to earn high deposit bonus on my account!"

Zack - Surfer from San Diego, CA

"I moved to the US not long ago and it’s been such a struggle to get a credit card. I’ve been turned down again and again. So, I joined the Cheese waitlist as soon as I saw the card offers premium account benefits for immigrants."

Vida - Moved to US from Philippines

Founder's Story - Meet Ken Lian

" I came to the US from China in 2008 to study, and after four years, I’d paid in overdraft, ATM, and international wire fees. Without credit history, I couldn’t apply for a credit card with benefits, even though I was spending quite a bit on tuition. Sound familiar? My story isn’t unique. Millions of international students simply don’t have better options. So, after years in the fintech space, we made Cheese. Our goal is to make banking easier and more rewarding for everyone.
Fun fact: I once rode a bicycle from Seattle to NYC and published a book named <穿越美利坚>.
Product suggestions? Questions? Drop Ken a line here

What are you waiting for?

Get early access to the perks of banking with Cheese.