Gild Join the Waitlist
Now accepting waitlist · Digital debit card · Q3 2026

Turn your AI subscriptions into gold.

Earn cashback on every AI tool you already pay for. Deposit funds, get an instant virtual card, add it to your wallet, and start earning on every ChatGPT charge, Claude Pro renewal, Midjourney render, and Cursor seat — automatically.

Join the Waitlist See how it works
No credit check to join Powered by Visa · FDIC insured Free to start · No annual fee
Earn on the AI tools you already use
Three steps

From zero to earning in under 60 seconds.

STEP 01

Sign Up & Verify

Create your Gild account. Identity verification takes under 60 seconds — no credit check, no waiting. Just your name and email.

STEP 02

Deposit & Get Your Card

Add funds via bank transfer, debit card, or Apple Pay. Your virtual Gild Card is issued instantly — add it to Apple Wallet or Google Wallet before your next AI subscription renews.

STEP 03

Spend & Earn Gold

Use Gild for every AI subscription. Cashback posts automatically — no categories to activate, no receipts to upload. Every charge gets gilded.

Built for AI spend

Five things you'll feel on day one.

Up to 5% back on AI tools.

Every AI subscription auto-detected — no rotating categories, no caps. Cashback posts same day a charge clears.

AI SubscriptionsChatGPT, Claude, Gemini Pro
5% Elite3% Pro1% Free
Generative MediaMidjourney, Runway, Pika
5% Elite3% Pro1% Free
Coding ToolsCursor, Copilot, Vercel v0
5% Elite3% Pro1% Free
Everything elseGroceries, dining, travel
1.5% Elite1% Pro0.5% Free

Instant virtual card.

Approved, issued, and in your wallet in under 60 seconds. No plastic. No waiting. Start using Gild the moment you sign up.

AI spending insights.

See exactly where your AI budget goes — by tool, by category, by month. Spot duplicate subscriptions before the bill lands.

ChatGPT
$200
Claude
$20
MJ
$30

Exclusive AI deals.

Gild members get extended free trials, bonus credits, and launch perks from AI platform partners. Turn your card into a key.

Perplexity Pro · 60-day trial ElevenLabs · 30-day free Runway · 45-day free Cursor · $20 credit ChatGPT · bonus month

Secure by default.

Per-merchant virtual numbers. Biometric auth. One-tap freeze.

In the app

Every AI charge tracked. Every dollar gilded.

Finally see where your AI budget goes.

Gild automatically categorizes every charge — from your $20 Claude Pro seat to your $200 ChatGPT Pro plan. See spend by tool, catch duplicates, and know next month's total before it hits.

  • Auto-categorized by tool and category
  • Real-time merchant detection
  • Duplicate subscription alerts
  • CSV export for tax season

This month · AI spend

$309/mo
ChatGPT Pro
$200.00
+$10.00
Claude Pro
$20.00
+$1.00
Midjourney
$30.00
+$1.50
Cursor Pro
$20.00
+$1.00
Perplexity
$20.00
+$1.00
GitHub Copilot
$19.00
+$0.95
Total cashback this month
$15.45

Lives in Apple Wallet from the moment you're approved.

Add Gild to Apple Wallet or Google Wallet instantly. Cashback posts same-day, not next month.

  • Apple Pay & Google Pay supported
  • Per-merchant virtual cards
  • Same-day cashback to balance
  • Freeze or reissue in one tap
Apple WalletTap to add Gild
Added
Gild · Visa Debit•••• 4408 · Elite
Active
Same-day cashbackPosts within 24h
+$15.45

The numbers speak for themselves.

$2 Trillion
AI subscription market by 2026
$100–$500
Avg. monthly AI spend per power user
5%
Top cashback rate on AI tools
$0
Annual fee to start

"The average AI power user spends $300/month and gets 0% back. Gild changes that."

✦
The math$3,600/yr in AI spend, unrewarded — until now.

"Most credit cards treat AI subscriptions as 'misc software.' Gild built a card that recognizes every tool — and pays you back for using them."

◇
The gapBuilt for AI spend, not against it.

"Bilt did this for rent. Klarna did this for retail. Gild does this for AI — turning your biggest un-rewarded monthly expense into a loyalty play."

⌖
The categoryVertical-native rewards have a 10x adoption rate.
Simple pricing

Start free. Earn more as you grow.

Gild is free to start. Upgrade when your AI spend justifies it — and it will.

Start here

GILD FREE

$0/month
  • Virtual Visa debit card
  • 1% cashback on AI subscriptions
  • 0.5% cashback everywhere else
  • Apple & Google Wallet support
  • AI subscription tracker
  • Instant card issuance
Join Waitlist
Most Popular

GILD PRO

$9/month
  • Everything in Free
  • 3% cashback on AI subscriptions
  • 1% cashback everywhere else
  • Subscription renewal alerts
  • Monthly spending reports
  • Early access to partner deals
  • Priority support
Join Waitlist
Maximum Rewards

GILD ELITE

$19/month
  • Everything in Pro
  • 5% cashback on AI subscriptions
  • 1.5% cashback everywhere else
  • Exclusive AI platform deals
  • Dedicated concierge support
  • First access to new partners
  • Annual AI spend report
Join Waitlist
At $300/month in AI spending: Free earns $3/mo · Pro earns $9/mo (pays for itself) · Elite earns $15/mo — $180/year back.
FAQ

Questions, answered.

Is this a real card?
Yes — a virtual Visa prepaid debit card issued by our banking partner, FDIC insured. Add it to Apple Wallet or Google Wallet the moment you're approved and use it anywhere Visa is accepted.
When does Gild launch?
Q3 2026. Waitlist members get first access and founding member perks locked in at today's rates — including grandfathered pricing on Pro and Elite tiers.
Do I need a credit check?
No. Gild is a prepaid debit card — you load your own funds. No credit check, no hard inquiry, no impact on your score. Sign up in under 60 seconds.
Which AI tools earn cashback?
Any AI subscription charged to your Gild card — ChatGPT, Claude, Midjourney, Cursor, GitHub Copilot, Perplexity, ElevenLabs, Runway, Notion AI, and more. Auto-detected by merchant, no categories to activate.
Is the Free tier really free?
Always. No annual fee, no minimum balance, no hidden charges. Upgrade to Pro or Elite when your AI spend makes it worth it — the savings calculator above tells you when.
How do I get paid my cashback?
Rewards post to your Gild balance automatically within 24 hours of a qualifying charge clearing. Redeem as statement credit toward your next AI subscription, or transfer to your linked bank account anytime.

Stop paying for AI tools and getting nothing back.

Join the waitlist. First members get founding perks and first access to partner deals at launch.

✦ You're on the list. We'll be in touch.
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No credit check to join the waitlist Founding member perks locked in $0 to apply · Free tier always free