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Best card EVER!! It will literally pay you the same day you work, every single day, or you just push as much money you need to borrow from your already worked hours, and it goes instantly (to the minute) to your Spectra prepaid debit card! Also, it automatically deducts it from your pay check, so you don't even have to worry about having to keep track of the payments because it does it for you! You can receive UP TO 50% of your income you have already earned. Can get paid up to 2x in an 8-hour day.
★★★★★Eric Vinson· Oct 19, 2023
I get my paycheck a day earlier, and I can get half of my next week paycheck if I want. I never have a problem with my cars and for the past year it's been a great card to have. I recommend it to anyone.
★★★★★Reyna Vargas· Mar 27, 2019
Love this app, so easy to use. Being able to access my pay early is a blessing to keep me from paying late fees.
★☆☆☆☆Michelle· Dec 3, 2025
Have to wait on card to access funds which takes up to 10 business days. Unable to download digital card until receiving physical card.
★☆☆☆☆Melody Psychonaut· Dec 25, 2022
At first, I had no issue using this card. But after they closed my account with $600+ on it, it has been horrible to get my money back. 2 months later calling them about the issue & I still have yet to see the refund check they said they'd send me. I've called 2x or once a week, & they don't care. This company has robbed me of my hard-earned money. Terrible customer service that keep sending me in circles with no resolve.
★☆☆☆☆Tamara Owen· Aug 18, 2025
Ive experienced security issues with this card 3 separate times. Up your game and secure our hard-earned money. Transactions I didn't make from several different states just in 2 days. Now I have to wait to access my money. Thanks spectra
Google Play Rankings for Spentra
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Technologies used by Spentra
18 permissions·16 libraries
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