Exceptional Care,
Exceptional Perks
Rewards and benefits just for clinicians.
Exceptional Care,
Exceptional Perks
Rewards and benefits just for clinicians.
See the benefits you may enjoy¹
Rewards & Benefits
For every $1 spent, earn²:
3 points
3 points
on work-related expenses
on work-related expenses
2 points
2 points
when you spend in budget and repay your balance in full
when you pay your balance in full
Student Loans
250 points
250 points
for student loan payments
for student loan payments
Helps reduce and avoid debt
Helps reduce and avoid debt
Helps reduce and avoid debt
90% less interest than competitors⁴
90% less interest than competitors⁴
90% less interest than competitors⁴
AI powered financial coach
AI powered financial coach
AI powered financial coach
Set smart spending limits
Set smart spending limits
Set smart spending limits
Cash Out
Cash Out
Cash Out
100 points = $1
100 points = $1
Save & Earn
Save & Earn
Save & Earn
Your points automatically grow at a rate of 5% per year.
Your points automatically grow at a rate of 5% per year.
Redeem
Redeem
Redeem
7,000 points
Retail value: $120
= Up to 5% back
With these benefits, you can earn up to 5% back on your purchases!
Empowering Clinicians to Conquer Debt
We help you stress less about your finances and focus more on doing what you do best.
We help you stress less about your finances and focus more on doing what you do best.
We help you stress less about your finances and focus more on doing what you do best.
Earn 250 points when you pay your student loans with Plannery.
Earn 250 points when you pay your student loans with Plannery.
Earn 250 points when you pay your student loans with Plannery.
Effortlessly enroll in the best repayment and forgiveness programs.
Effortlessly enroll in the best repayment and forgiveness programs.
Effortlessly enroll in the best repayment and forgiveness programs.
Transfer your personal loan and card balances to save up to $6,000³.
Transfer your personal loan and card balances to save up to $6,000³.
Transfer your personal loan and card balances to save up to $6,000³.
90% Less Interest
90% Less Interest
90% Less Interest
Pay much less in interest than other credit cards⁴. Here's how:
Installment Payments
Pay off your balance 85% faster with installment payments over 3-12 months
Below Market Rates
Below Market Rates
The average APR offered is almost 30% lower than other cards
Preferential Rate
We further reduce the rate by 1% for making consistent payments
Powered by AI to Make Smart Financial Decisions
We help you stress less about your finances and focus more on doing what you do best.
We help you stress less about your finances
and focus more on doing what you do best.
Payments are intelligently automated to minimize your chances of getting into debt, while ensuring you always have enough balance in your checking account.
Payments are intelligently automated to minimize your chances of getting into debt, while ensuring you always have enough balance in your checking account.
Payments are intelligently automated to minimize your chances of getting into debt, while ensuring you always have enough balance in your checking account.
Our companion app helps you understand your spending behavior and alerts you if you’re overspending.
Our companion app helps you understand your spending behavior and alerts you if you’re overspending.
Our companion app helps you understand your spending behavior and alerts you if you’re overspending.
Security & Privacy
Advanced fraud protection
Your information is always confidential
Plannery employs the latest security standards and practices
Security & Privacy
Advanced fraud protection
Your information is always confidential
Plannery employs the latest security standards and practices
Security & Privacy
Advanced fraud protection
Your information is always confidential
Plannery employs the latest security standards and practices
Plannery takes care of those who take care of others
Plannery gave me the opportunity to start my debt free journey.
The process was very quick and smooth. I would definitely recommend this company to anyone in healthcare looking to become debt free. Thanks Plannery.
Christie, RN Manager
$258,000 in student loans forgiven
I can't believe the amount I owed is completely forgiven—it's incredible! This opens up amazing financial opportunities for me.
Marc
Increased credit score by 110 points
After battling through the financial challenges of COVID-19 pandemic, I found myself shouldering some significant credit card debt. Then I came across Plannery. It has been life changing.
Jason
Plannery takes care of those who take care of others
Plannery gave me the opportunity to start my debt free journey.
The process was very quick and smooth. I would definitely recommend this company to anyone in healthcare looking to become debt free. Thanks Plannery.
Christie, RN Manager
$258,000 in student loans forgiven
I can't believe the amount I owed is completely forgiven—it's incredible! This opens up amazing financial opportunities for me.
Marc
Increased credit score by 110 points
After battling through the financial challenges of COVID-19 pandemic, I found myself shouldering some significant credit card debt. Then I came across Plannery. It has been life changing.
Jason
Plannery takes care of those who take care of others
Plannery gave me the opportunity to start my debt free journey.
The process was very quick and smooth. I would definitely recommend this company to anyone in healthcare looking to become debt free. Thanks Plannery.
Christie, RN Manager
$258,000 in student loans forgiven
I can't believe the amount I owed is completely forgiven—it's incredible! This opens up amazing financial opportunities for me.
Marc
Increased credit score by 110 points
After battling through the financial challenges of COVID-19 pandemic, I found myself shouldering some significant credit card debt. Then I came across Plannery. It has been life changing.
Jason
Common Questions
Are there any fees?
There is no charge to join the waitlist. However, we anticipate charging a membership fee of $7 per biweekly paycheck to access all of the benefits of Plannery Card.
There will be additional fees for missed or returned payments; however, we help you avoid those situations.
Fees, and other terms and conditions are subject to change upon product launch.
What credit score do I need to be approved?
We do not check your credit to sign up for the waitlist.
We have not yet determined a minimum credit score to qualify for the card. In general, our goal is to have much broader eligibility than other credit cards because we focus specifically on healthcare professionals. We will determine the exact cutoff at a future time.
Can I transfer other balances to this card?
We plan to offer the ability to import and consolidate other personal loans and card balances, up to $15,000 and access below market interest rates.
We already offer personal loans and debt consolidation loans today, so if you’re interested, you may apply for one here.
Will applying affect my credit?
No, we do not check your credit to sign up for the waitlist.
When the card launches, we will need to run your credit to apply, but it will be a soft pull and not affect your credit score.
How long does it take to sign up?
It takes as little as 60 seconds to sign up. All we need is your name, phone number, and email.
When will the card be launched?
We are actively working on the card and expect it to launch early next year. By reserving your spot on the waitlist, you are helping to support our launch efforts.
Is the card only for nurses?
Plannery offers financial products only to licensed healthcare professionals and employees at our healthcare partners.
The featured card design is only for licensed nurses; however, we will provide other designs for other areas within healthcare including physicians and allied professionals.
Are there any fees?
There is no charge to join the waitlist. However, we anticipate charging a membership fee of $7 per biweekly paycheck to access all of the benefits of Plannery Card.
There will be additional fees for missed or returned payments; however, we help you avoid those situations.
Fees, and other terms and conditions are subject to change upon product launch.
What credit score do I need to be approved?
We do not check your credit to sign up for the waitlist.
We have not yet determined a minimum credit score to qualify for the card. In general, our goal is to have much broader eligibility than other credit cards because we focus specifically on healthcare professionals. We will determine the exact cutoff at a future time.
Can I transfer other balances to this card?
We plan to offer the ability to import and consolidate other personal loans and card balances, up to $15,000 and access below market interest rates.
We already offer personal loans and debt consolidation loans today, so if you’re interested, you may apply for one here.
Will applying affect my credit?
No, we do not check your credit to sign up for the waitlist.
When the card launches, we will need to run your credit to apply, but it will be a soft pull and not affect your credit score.
How long does it take to sign up?
It takes as little as 60 seconds to sign up. All we need is your name, phone number, and email.
When will the card be launched?
We are actively working on the card and expect it to launch early next year. By reserving your spot on the waitlist, you are helping to support our launch efforts.
Is the card only for nurses?
Plannery offers financial products only to licensed healthcare professionals and employees at our healthcare partners.
The featured card design is only for licensed nurses; however, we will provide other designs for other areas within healthcare including physicians and allied professionals.
Are there any fees?
There is no charge to join the waitlist. However, we anticipate charging a membership fee of $7 per biweekly paycheck to access all of the benefits of Plannery Card.
There will be additional fees for missed or returned payments; however, we help you avoid those situations.
Fees, and other terms and conditions are subject to change upon product launch.
What credit score do I need to be approved?
We do not check your credit to sign up for the waitlist.
We have not yet determined a minimum credit score to qualify for the card. In general, our goal is to have much broader eligibility than other credit cards because we focus specifically on healthcare professionals. We will determine the exact cutoff at a future time.
Can I transfer other balances to this card?
We plan to offer the ability to import and consolidate other personal loans and card balances, up to $15,000 and access below market interest rates.
We already offer personal loans and debt consolidation loans today, so if you’re interested, you may apply for one here.
Will applying affect my credit?
No, we do not check your credit to sign up for the waitlist.
When the card launches, we will need to run your credit to apply, but it will be a soft pull and not affect your credit score.
How long does it take to sign up?
It takes as little as 60 seconds to sign up. All we need is your name, phone number, and email.
When will the card be launched?
We are actively working on the card and expect it to launch early next year. By reserving your spot on the waitlist, you are helping to support our launch efforts.
Is the card only for nurses?
Plannery offers financial products only to licensed healthcare professionals and employees at our healthcare partners.
The featured card design is only for licensed nurses; however, we will provide other designs for other areas within healthcare including physicians and allied professionals.
We're Here to Help!
Our friendly staff are available to answer questions and guide you through your financial journey.
Call or text
We're Here to Help!
Our friendly staff are available to answer questions and guide you through your financial journey.
Call or text
We're Here to Help!
Our friendly staff are available to answer questions and guide you through your financial journey.
Call or text
1. Waitlist; Not an Application
Plannery Card is currently a waitlist to gauge interest in the product and collect feedback. Users on the waitlist are not guaranteed approval. The advertised features, benefits, approval criteria, and credit terms are a reflection of the anticipated final product, but they are subject to change as Plannery continues to develop the product, collect feedback, undergo compliance testing and seek approvals from partners including the bank, card network, and other service providers.
2. Rewards
Points are given at the end of the month. The portion of balances that are spent within the monthly spending limits and repaid in full by the end of the month are eligible for points accrual.
Bonus points may be given as incentives throughout the product experience, such as making student loan payments or referring colleagues, and the types of incentives and award values are subject to change at any time without notice.
The classification of nurse- or work-related expenses eligible for 3 points per $1 spent is determined by Plannery, and the amount is subject to a maximum per month.
To qualify for points per $1 spent, you must spend within budget and repay your balance in full. Each purchase can qualify for only one reward category – either the 2 points or 3 points categories.
3. Credit Limit
Plannery offers personal loans ranging from $1,500 to $15,000, and we anticipate offering a similar range for Plannery Card. Similarly, we anticipate APR to vary from 12.99% and 23.99%. These limits and rates are subject to change prior to launch.
The available credit of the credit limit that you ultimately become approved for may vary during your usage. Particularly, your credit will be split into monthly spending, emergency spending, and imported balances. The limits for these categories depend on factors like your income and cashflow.
Savings estimates from balance transfer are based on our recent personal loan averages and subject to change.
4. Interest
Reductions in APR, interest cost, and payoff times are projections and determined by the average Personal Loan applicant as compared to their primary credit card. The key assumptions include (i) that Plannery will offer the same approval criteria and interest rates on Plannery Card as compared to personal loans in the direct to consumer pricing segment, (ii) that the user’s primary card APR is equal to the market average for their credit score band when the exact APR from the financial institution is not available, and (iii) that balances with Plannery Card are paid off over the lesser of (x) 6 months and (y) the time they are projected to pay off their primary card. With these assumptions, 50% of users would pay 94% less interest, 75% of users would pay 90% less interest, and 90% of users would pay 81% less interest.
Interest rates are subject to change before launch. Your actual interest rate will depend upon various factors including credit score, verified income, employment length, state of residence, and affiliations.
Preferential Rate requires consistent payments over a period of 6 months using Smart Auto Pay. These requirements are subject to change.
5. Eligibility
Anyone is invited to sign up for the waitlist. However, approval for the final product is subject to approval and standard underwriting criteria. Individual applicants must be a US resident, be at least 18 years old, have a valid social security number and be a licensed clinician or an employee at one of our healthcare partners.
All applications are subject to credit review and approval. A soft enquiry is only visible to you and does not affect your credit score.
We user payroll integration to verify your employment, income and set up payroll deduction through our integration. Plannery is not a recommendation from your employer. Your employer does not benefit financially from this service.
6. Lending Disclosures
For all prospective users of Plannery's Personal Loan product: Subject to approval and standard underwriting criteria. Applications are for loans offered, made by, decisioned and owned by FinWise Bank, a Utah chartered bank, Member FDIC. Terms and conditions are subject to change without prior disclosure or notice. Because Plannery, Inc services FinWise Bank installment loans, please contact Plannery, Inc regarding any questions about your FinWise Bank installment loan. Click here to contact us.
7. Other Disclosures
Our mailing address is:
Plannery Inc
3790 El Camino Real #529
Palo Alto, CA 94306
Banking services associated with our services are provided by Emprise Bank, Member FDIC. Your transactions will be processed through an FBO account held by Emprise Bank for the benefit of our customers. We will provide you a monthly summary statement that describes your transactions. Your deposit balances held at Emprise Bank are insured by the Federal Deposit Insurance Corporation (FDIC) for up to the legal limit (currently $250,000 for each category of legal ownership). Emprise Bank supports the program in accordance with applicable law.
1. Waitlist; Not an Application
Plannery Card is currently a waitlist to gauge interest in the product and collect feedback. Users on the waitlist are not guaranteed approval. The advertised features, benefits, approval criteria, and credit terms are a reflection of the anticipated final product, but they are subject to change as Plannery continues to develop the product, collect feedback, undergo compliance testing and seek approvals from partners including the bank, card network, and other service providers.
2. Rewards
Points are given at the end of the month. The portion of balances that are spent within the monthly spending limits and repaid in full by the end of the month are eligible for points accrual.
Bonus points may be given as incentives throughout the product experience, such as making student loan payments or referring colleagues, and the types of incentives and award values are subject to change at any time without notice.
The classification of nurse- or work-related expenses eligible for 3 points per $1 spent is determined by Plannery, and the amount is subject to a maximum per month.
To qualify for points per $1 spent, you must spend within budget and repay your balance in full. Each purchase can qualify for only one reward category – either the 2 points or 3 points categories.
3. Credit Limit
Plannery offers personal loans ranging from $1,500 to $15,000, and we anticipate offering a similar range for Plannery Card. Similarly, we anticipate APR to vary from 12.99% and 23.99%. These limits and rates are subject to change prior to launch.
The available credit of the credit limit that you ultimately become approved for may vary during your usage. Particularly, your credit will be split into monthly spending, emergency spending, and imported balances. The limits for these categories depend on factors like your income and cashflow.
Savings estimates from balance transfer are based on our recent personal loan averages and subject to change.
4. Interest
Reductions in APR, interest cost, and payoff times are projections and determined by the average Personal Loan applicant as compared to their primary credit card. The key assumptions include (i) that Plannery will offer the same approval criteria and interest rates on Plannery Card as compared to personal loans in the direct to consumer pricing segment, (ii) that the user’s primary card APR is equal to the market average for their credit score band when the exact APR from the financial institution is not available, and (iii) that balances with Plannery Card are paid off over the lesser of (x) 6 months and (y) the time they are projected to pay off their primary card. With these assumptions, 50% of users would pay 94% less interest, 75% of users would pay 90% less interest, and 90% of users would pay 81% less interest.
Interest rates are subject to change before launch. Your actual interest rate will depend upon various factors including credit score, verified income, employment length, state of residence, and affiliations.
Preferential Rate requires consistent payments over a period of 6 months using Smart Auto Pay. These requirements are subject to change.
5. Eligibility
Anyone is invited to sign up for the waitlist. However, approval for the final product is subject to approval and standard underwriting criteria. Individual applicants must be a US resident, be at least 18 years old, have a valid social security number and be a licensed clinician or an employee at one of our healthcare partners.
All applications are subject to credit review and approval. A soft enquiry is only visible to you and does not affect your credit score.
We user payroll integration to verify your employment, income and set up payroll deduction through our integration. Plannery is not a recommendation from your employer. Your employer does not benefit financially from this service.
6. Lending Disclosures
For all prospective users of Plannery's Personal Loan product: Subject to approval and standard underwriting criteria. Applications are for loans offered, made by, decisioned and owned by FinWise Bank, a Utah chartered bank, Member FDIC. Terms and conditions are subject to change without prior disclosure or notice. Because Plannery, Inc services FinWise Bank installment loans, please contact Plannery, Inc regarding any questions about your FinWise Bank installment loan. Click here to contact us.
7. Other Disclosures
Our mailing address is:
Plannery Inc
3790 El Camino Real #529
Palo Alto, CA 94306
Banking services associated with our services are provided by Emprise Bank, Member FDIC. Your transactions will be processed through an FBO account held by Emprise Bank for the benefit of our customers. We will provide you a monthly summary statement that describes your transactions. Your deposit balances held at Emprise Bank are insured by the Federal Deposit Insurance Corporation (FDIC) for up to the legal limit (currently $250,000 for each category of legal ownership). Emprise Bank supports the program in accordance with applicable law.
1. Waitlist; Not an Application
Plannery Card is currently a waitlist to gauge interest in the product and collect feedback. Users on the waitlist are not guaranteed approval. The advertised features, benefits, approval criteria, and credit terms are a reflection of the anticipated final product, but they are subject to change as Plannery continues to develop the product, collect feedback, undergo compliance testing and seek approvals from partners including the bank, card network, and other service providers.
2. Rewards
Points are given at the end of the month. The portion of balances that are spent within the monthly spending limits and repaid in full by the end of the month are eligible for points accrual.
Bonus points may be given as incentives throughout the product experience, such as making student loan payments or referring colleagues, and the types of incentives and award values are subject to change at any time without notice.
The classification of nurse- or work-related expenses eligible for 3 points per $1 spent is determined by Plannery, and the amount is subject to a maximum per month.
To qualify for points per $1 spent, you must spend within budget and repay your balance in full. Each purchase can qualify for only one reward category – either the 2 points or 3 points categories.
3. Credit Limit
Plannery offers personal loans ranging from $1,500 to $15,000, and we anticipate offering a similar range for Plannery Card. Similarly, we anticipate APR to vary from 12.99% and 23.99%. These limits and rates are subject to change prior to launch.
The available credit of the credit limit that you ultimately become approved for may vary during your usage. Particularly, your credit will be split into monthly spending, emergency spending, and imported balances. The limits for these categories depend on factors like your income and cashflow.
Savings estimates from balance transfer are based on our recent personal loan averages and subject to change.
4. Interest
Reductions in APR, interest cost, and payoff times are projections and determined by the average Personal Loan applicant as compared to their primary credit card. The key assumptions include (i) that Plannery will offer the same approval criteria and interest rates on Plannery Card as compared to personal loans in the direct to consumer pricing segment, (ii) that the user’s primary card APR is equal to the market average for their credit score band when the exact APR from the financial institution is not available, and (iii) that balances with Plannery Card are paid off over the lesser of (x) 6 months and (y) the time they are projected to pay off their primary card. With these assumptions, 50% of users would pay 94% less interest, 75% of users would pay 90% less interest, and 90% of users would pay 81% less interest.
Interest rates are subject to change before launch. Your actual interest rate will depend upon various factors including credit score, verified income, employment length, state of residence, and affiliations.
Preferential Rate requires consistent payments over a period of 6 months using Smart Auto Pay. These requirements are subject to change.
5. Eligibility
Anyone is invited to sign up for the waitlist. However, approval for the final product is subject to approval and standard underwriting criteria. Individual applicants must be a US resident, be at least 18 years old, have a valid social security number and be a licensed clinician or an employee at one of our healthcare partners.
All applications are subject to credit review and approval. A soft enquiry is only visible to you and does not affect your credit score.
We user payroll integration to verify your employment, income and set up payroll deduction through our integration. Plannery is not a recommendation from your employer. Your employer does not benefit financially from this service.
6. Lending Disclosures
For all prospective users of Plannery's Personal Loan product: Subject to approval and standard underwriting criteria. Applications are for loans offered, made by, decisioned and owned by FinWise Bank, a Utah chartered bank, Member FDIC. Terms and conditions are subject to change without prior disclosure or notice. Because Plannery, Inc services FinWise Bank installment loans, please contact Plannery, Inc regarding any questions about your FinWise Bank installment loan. Click here to contact us.
7. Other Disclosures
Our mailing address is:
Plannery Inc
3790 El Camino Real #529
Palo Alto, CA 94306
Banking services associated with our services are provided by Emprise Bank, Member FDIC. Your transactions will be processed through an FBO account held by Emprise Bank for the benefit of our customers. We will provide you a monthly summary statement that describes your transactions. Your deposit balances held at Emprise Bank are insured by the Federal Deposit Insurance Corporation (FDIC) for up to the legal limit (currently $250,000 for each category of legal ownership). Emprise Bank supports the program in accordance with applicable law.