How Debit Cards Work
Learn how ChoreSplit's virtual debit cards connect chores to real money
ChoreSplit lets kids earn real money by completing chores. When they redeem reward points, the money goes directly to their virtual debit card.
The Earning Cycle
Here's how it works:
Kids complete chores
Each completed task earns points based on difficulty.
Points add up
Points accumulate in the child's account over time.
Redeem for rewards
When they have enough points, kids can request a cash reward.
Parent approves
Parents review and approve funding requests.
Card gets funded
Once approved, money is loaded onto their virtual debit card.
What the Card Looks Like
Each child gets their own virtual debit card:
ChoreSplit
Emma's Card
Card Number
•••• •••• •••• 4242
Virtual debit card with available balance
Key Features
| Feature | Description |
|---|---|
| Virtual cards | Secure digital cards for online purchases |
| Real-time balance | Always see how much is available |
| Parent oversight | Every transaction is visible to parents |
| Instant funding | Money appears immediately after approval |
| Freeze controls | Parents can freeze cards anytime |
Safety & Security
All cards are powered by Stripe, a trusted payment processor used by millions of businesses worldwide.
- No overdrafts - Kids can only spend what's on the card
- Parent visibility - See every transaction in real-time
- Instant freeze - Lock the card immediately if needed
- Virtual only - No physical card to lose
Virtual cards work for most online purchases but cannot be used for ATM withdrawals or in-store purchases without Apple Pay or Google Pay setup.
Getting Started
Ready to set up cards for your family?
- Add a funding source (parent's payment method)
- Set up a child's card
- Learn about approvals