A credit card that isn't trying to get you into debt.

Visa alone reported $40 billion in revenue last year, funded largely by transaction fees that merchants pass straight into the price of everything you buy. Meanwhile Americans now carry $1.25 trillion in credit card debt at an average interest rate near 21% — and every card on the market is designed to encourage more spending, not less. Ours is built backwards from that: lower, flatter transaction fees that bring everyday prices down, and a card whose whole design is to keep you spending wisely, not maximize what you owe.