The Investing-First Mastercard.

Spend Normally.
Invest Automatically.

Every purchase on your C:HET Card earns 0.7% automatically invested into one of five ETFs of your choice — plus select merchant-funded boosts of up to 10%.

Your rewards fund your investments. No investing experience required. Pilot Launch October 2026.

Get Early AccessSee how it works →

Built for students and young professionals starting to invest.

C:HET Card — front, green metal card
Your debit card wasn't built to do this.
Fractional Investments With Every Payment
Build Credit With Every Payment
Created For Students By Students
Support Local Merchants
No Annual Fees†
Real Life Financial Literacy
No Hard Credit Check
Five Curated ETFs to Choose From

How C:HET works.

1
Apply in minutes
Complete identity verification and securely connect your bank account.
2
Fund your account
Add funds so you're ready to spend with your C:HET Card. Turn on Auto-Reload to automatically add funds when your balance falls below a threshold you choose.
3
Choose your investment
Choose from five curated ETF options based on how you want to invest.
4
Spend normally
Use your C:HET Card anywhere Mastercard is accepted. Pay at our merchant partners to earn extra investment boosts.
5
Invest automatically
Earn 0.7% back on every purchase, plus merchant-funded boosts of up to 10%. Your rewards are automatically invested in your chosen ETF.
6
Watch your investments grow
Track your spending, rewards, and investments through the C:HET app.

Pick the ETF that fits your style

Your rewards flow automatically into one of the following curated options of your choice.

VOO
U.S. Large Cap
Tracks the S&P 500’s largest, most established U.S. companies.
Learn more →
VTI
Total U.S. Market
Broad exposure across the entire U.S. stock market in one fund.
Learn more →
QQQ
Growth & Technology
Concentrated exposure to leading growth and tech companies.
Learn more →
URTH
Global Stocks
Diversified exposure to large companies worldwide.
Learn more →
ESGV
Sustainable Investing
Companies screened for environmental and social practices.
Learn more →

About C:HET

The name C:HET comes from the French word acheter, meaning "to buy" — a shoutout to our belief that every purchase can be an opportunity to invest in your future.

The colon builds out a smile to show that wealth building should be simple...and maybe even fun.

C:HET was built to make investing part of everyday life instead of a separate chore. By pairing a simple charge card with automatic ETF investing, we help undergraduate students and young professionals start building wealth from the money they're already spending — no extra effort, no market-timing decisions.

Why C:HET?

Rewards you can’t spend impulsively
Instead of cash back that disappears, rewards go straight into an investment account.
Zero investing knowledge needed
Pick an ETF once — the rest happens automatically with every purchase.
Boosted earnings at selected merchants
Merchant-funded offers push your reward rate up to 10% at participating partners.
Designed for getting started
Built for undergraduate students and young professionals making their first investing moves.
Start compounding early
The earlier you invest, the longer your money has to grow — small rewards today can add up over decades.
Build credit while you invest
Your payment activity helps build your credit history while your rewards build your investment portfolio.

Launching at Yale this Fall

C:HET is launching in New Haven at Yale in Fall 2026, with more college campuses coming soon after. If you're a student there, you'll be first in line to turn your everyday spending into investing. If you're a student elsewhere, join our waitlist and we'll get to you soon!

Part of the Yale Entrepreneurship Ecosystem

Questions? Answered.

The C:HET Card is a secured credit card designed to help you spend responsibly while automatically investing your rewards. Link your existing bank account and add funds to your C:HET account to start spending. Your balance can automatically reload from your connected bank account when it gets low, helping keep your card ready to use.

Your card balance is repaid automatically, so you can enjoy the convenience of a credit card without relying on revolving debt.