Easy Pricing for 1 or 2

Try ProActive Free for 15 days


Order my Companion Card

A primary card must be ordered first

After a month with ProActive we had $300 extra. Now we’re making extra payments on our Credit CardsLetisha

Frequently Asked Questions

Not Yet. Our Beta included a system that recognized new transactions from your Rewards Card, confirmed the category, reduced the amount, then put the money in a separate category which could be used to pay off the card at the end of the month. It was great except it making the payments was hard.

Eventually we’ll release it again better than ever!

ProActive runs on the debit networks of Visa & Mastercard. You can spend your money anywhere those are accepted in the world.
Yep, it’s a problem. We suggest going out the door with a backup pay card.
iPhone is available on the AppStore. An Android Beta is in the works. Make sure you sign up to follow us for updates and news.
Dwolla is our transfer partner. They help us move money from your bank to ProActive.
We’re sure you’re not a pirate or terrorist, but our banking partners have to prove it. 🙂 The government requires all financial accounts to “know your customer” per the Patriot Act, so our partners use your SSN to match your data to your credit history. If it all matches then they know you’re you. This makes it easy so you don’t have to provide other documentation like a picture ID or a Passport.
First, feel safe. ProActive is the safest card on the planet. No one can use your money without the app.
Second, Call 877-287-2448 to report it and get a new card. Card Replacement fees may exist.
See Card Fees here
You’ll need to contact our card partner. For a “Rapid” card please call 877-287-2448 to reset your PIN at any time.
ProActive partners with card programs to deliver our service. Currently, ProActive is only available with a card from Rapid Financial.
To learn more and see their fee schedule Click Here
Subscriptions are paid annually from the bank account that you connect in ProActive.
Absolutely! Just choose a category on the app, then insert your card. The cash will come directly from that category.
Note: ATMs charge us fees which we have to pass along to you.
See Card Fees here
Easy! Just choose a category to put money on the card and then go shopping or pay that bill.
We’re working on this one. Currently, we can transfer it in but not out.
Yes, our partners will create a new account for you which is connected to our spending cards. The accounts are FDIC insured and very safe.
Sometimes transactions to or from a bank or credit union can fail. Here are a few reasons why a transaction can fail:
â—Ź Insufficient funds. There are insufficient funds in the sending bank or credit union account to complete the
transaction.
â—Ź Frozen account. A bank or credit union account has been frozen.
â—Ź Other reasons. A bank or credit union rejects the transaction for some other reason.

If a transaction fails, please contact your bank or credit union to check on the status of your account. Then either
re-initiate the transaction or ask your financial institution why the transaction may not be processed.

If we ask for a photo ID:
Additional information is needed to verify your identity. Please upload one of the following forms of identification:
● An unexpired, current, state-issued driver’s license or identification card OR
â—Ź An unexpired, current U.S. passport
If we ask for a bank statement:
Additional information is needed to verify that you are an authorized signer on your connected bank or credit union
account. Please upload a copy of a recent statement.
Dwolla protects customers’ data through secure servers and a world-class cloud environment. Dwolla’s servers are
encrypted with 128-bit or greater encryption controlled by Transport Layer Security (TLS), and sit behind firewall and
intrusion protection. Our cloud service offers a highly secure environment with a dedicated security team.
You can use your new card and either credit or debit. But given the inherent security with ProActive, we suggest to always use it as Credit.

If your card is a Mastercard then for Costco you’ll need to use it as Debit and enter your PIN.

ProActive works like Cash so there are a few nuances to how it will work out there. Read these posts to learn more.

Gas, Restaurants, Hotels:
Click Here

Shopping on Amazon?
Click Here

About Us
Press (coming soon)

Made with in Utah

ProActive
Privacy Policy
Terms of Service

Rapid Financial
Cardholder Agreement / Fee Schedule
Customer Service #
877-287-2448