True Earning App

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We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

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Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

ProsCons
No interest or fees and tips are optionalEligibility is limited based on how you’re paid or what kind of job you have
Balance Shield can help prevent overdrafts from your bank accountYou sacrifice some privacy
Available for both Android and Apple usersLow withdrawal limits
Looking for a loan? Shop for Personal Loans Now

What you need to know about the Earnin app

Earnin is an app that, similar to a payday loan, lets you use your next paycheck as collateral to get money the same day. Earnin works by automatically deducting the amount you borrow from your checking account on your next payday. If you’re thinking about using the app to get cash before you get paid again, here are a few things to consider.

Eligibility is limited

To use the app, you must have direct deposit to a checking account set up through your employer, have a consistent pay period — weekly, biweekly, semi-monthly, monthly — and either work at the same location each day or use online timesheets to track your hours.

Your rate of pay based on the amount deposited to your account — meaning after taxes and other deductions have been deducted from your paycheck — must be at least $4 an hour. Unemployment, Supplemental Security Income and disability payments are not included in Earnin’s calculation.

Earnin calculates your take-home pay rate based on the money that’s direct deposited into your bank account from a single employer and your work schedule. If you earn commissions, tips or have a side gig, that additional income can’t currently be included in your earnings. One notable exception is that Uber and Earnin have a partnership that allows drivers to use the app.

You sacrifice some privacy

To set up your Earnin account, you must provide your bank account number and routing information to link the app to your checking account.

After your account is set up, you must either upload copies of your timesheets or enroll in Automagic Earnings to have Earnin track your hours automatically, using your phone’s GPS to determine when you’re at work.

Low withdrawal limits

The first time you use the app, you can borrow only up to $100 during your pay cycle. But with repeated use, Earnin may adjust your withdrawal limits up to $500 based on how you use the app, your spending habits, what bank you have and whether your employer works directly with Earnin.

If you borrow the maximum allowed amount, you can’t get more money until your next pay cycle begins.

If you only want a small loan, Earnin’s low withdrawal limits can help prevent you from borrowing more than you need. But if you’re looking for a larger loan amount, Earnin probably isn’t your best bet.

No interest or fees

Earnin says you won’t pay interest or fees when you borrow money using the Earnin app. Instead, the company does encourage users to “tip” an amount they feel is appropriate for using the service. But tips aren’t required to use the app.

Looking for a loan? Shop for Personal Loans Now

A closer look at the Earnin app

If you’re considering using the Earnin app to get a cash advance on your next paycheck, here are a few more things to know.

  • iOS and Android: The Earnin app is available for both Apple and Android users.
  • Waiting period: It can take up to 72 hours to activate your account after you sign up.
  • Direct deposit minimums: You must have a minimum of two direct deposits totaling at least $100 into your checking account to start borrowing money through Earnin.
  • Lightning Speed feature: This tool gives you access to your money the same day you request it. So if you’re not signed up for Lightning Speed, you may not receive your money until the next business day. And Lightning Speed isn’t available at all banks.
  • Overdraft protection: Earnin could help you avoid overdraft fees when you sign up for the Balance Shield feature, which lets you know when your bank balance is getting low. You may also choose to have amounts of up to $100 automatically transferred to your checking account to prevent overdrawing your account.

Who the Earnin app is good for

Earnin may be a good choice if you occasionally need a small amount of extra cash before your next paycheck and you meet the app’s eligibility requirements.

But continually borrowing against your future earnings isn’t a sustainable financial practice. If you repeatedly use the Earnin app as an alternative to a payday loan, it may be better to review your overall financial situation and make some changes to improve your financial health.

How to set up an Earnin account

To sign up for Earnin, first download the app on your Android device or iPhone. Then follow the prompts to set up your account. You’ll need to provide the following information:

  • Email address
  • Password
  • Paycheck information
  • Bank name
  • Bank account information
  • Employer information

Not sure if the Earnin app is right for you? Consider these alternatives.

  • TD Bank: A personal loan from TD Bank could be a good choice if you’re looking for a larger loan amount.
  • Prosper: Prosper might be a good option for people who don’t meet Earnin’s eligibility requirements. Read our Prosper personal loan review to learn more.
Looking for a loan? Shop for Personal Loans Now

Related Articles

Being a True Rewards member gives you insider access to the best of Golden Entertainment at our 140+ locations that offer world-class experiences at a premium value.

With True Rewards, you can earn and redeem points at any of our properties all with one card.

And you won’t have to deal with any of that fine print nonsense and confusing language that comes with other rewards programs.

Check your points, tier status and more at any time when you activate your account online.

Our Properties

Get Rewarded

Money Earning App Download

Whether you’re on Las Vegas boulevard, at your neighborhood tavern or making a grocery run, you can earn points on your True Rewards card by dining or playing at any of our locations in Nevada or Maryland. Redeem your points where you earn them or visit our casino, taverns or participating supermarkets to redeem.

Earn & Redeem

True Rewards Benefits

The more you enjoy the real entertainment offered at our resorts, casinos, taverns and participating supermarkets, the more points you'll earn and benefits you’ll receive. But whether you’re True, Loyal, Solid, Legit or Epic, you’re always Golden.

Property-specific benefits are available at each casino True Rewards Center or each participating neighborhood tavern or supermarket.

Casino Tier Evaluation: 12 months
Tier Earning Periods: January-December
Tavern and Grocery Store Evaluation: 6 months
Tier Earning Periods: January-June and July-December

Earn Points

Redeem Points


Earn True Rewards points doing the things you enjoy most. Yeah, it’s really that easy.

These are your points – you’ve earned ’em. Now, redeem YOUR POINTS, YOUR WAY, doing what you love most.

Playing

Whether you prefer the rush of a slot machine, cleaning up with a fierce poker face or successfully spelling “BINGO,” you get to earn points your way at any of our resorts, casinos, taverns and participating supermarkets.

Slot/Video Reel/Video Keno$1 = 1 point
Video Poker/Multigame$2 = 1 point
Full Pay Video Poker$4-$8=1 point
Based on type of machine
Table GamesEarn points based on the type of table game, average bet and amount of time played
Bingo$2 buy-in = 3 points
Live Keno$1 buy-in = 8 points
Playing

Money Earning Apps

Redeem YOUR POINTS, YOUR WAY at any of our eight casinos located in Nevada and Maryland, our 60+ neighborhood taverns in Nevada or our 60+ participating grocery stores in Nevada.

Casino500 points = $1 Free Play*
Tavern/Supermarket1,000 points = $1 Free Play

*Rocky Gap Casino 1,000 points = $1 FREE PLAY

Partners

Enjoy Perks From Our Partners

We think it’s time for you to get the most out of your rewards program. That’s why we've established partnerships with local, regional and national brands you love, so you can earn rewards and gain access to exclusive benefits and offers.

Smith's Food & Drug Stores

Grocery Gift Card Redemption

As a True Rewards member, you will have the opportunity to use your points and redeem earned points for grocery gift cards in participating Smith’s supermarkets in the Las Vegas Valley.
Albertson's

Grocery Gift Card Redemption

As a True Rewards member, you will have the opportunity to use your points and redeem earned points for grocery gift cards in participating Albertsons supermarkets in the Las Vegas Valley.
Lyft

Tiered Ride Share Credits

As a True Rewards member, you’ll will periodically (dependent on tier) be awarded ride credits to be used exclusively through Lyft ride sharing services.

Become A Member

Ready To Become A True Rewards Member?

New Member

Sign up at a location near you

  • Sign up at a rewards center at any of our Golden Entertainment locations. Must be 21+ with valid government-issued ID.

Current Card Holders

Make the Switch

True Earning App Reviews

  • If you are already a member of ace/PLAY, Golden Rewards, Beer & Bites, Checkout Rewards, Gold Mine or Rocky Gap Rewards program, it’s time to make the switch to True Rewards.
  • Get your new True Rewards card at a rewards center within any Golden Entertainment property. Just bring your valid government-issued ID and current rewards card.
  • Any existing points you have on your current card will carry over for a one-to-one transfer.
True

Activate Your Online Account

Activate or sign into your account

  • Activate your account and enter your True Rewards number and PIN to get started.
  • Once you activate your account, you have unlocked your personalized web portal where you can check your points, tier status, offers and account details at any time.

Activate Your Account >
Sign In >

FAQ'S

Still have questions about True Rewards?

We’ve got answers
  • What changes should I be aware of with True Rewards?

    Effective August 1st we extended the tier earning period for locals to match non-locals at a full 12 months. We have discontinued one element of True Rewards, Dividends and replaced another, Mystery Point Multipliers, with more frequent multipliers in our promotional calendar.

  • What do I need to do to take advantage of the longer tier earning period for locals?

    Absolutely nothing! Due to the lapse in earning period during the pandemic closure, we had awarded you your HIGHEST achieved tier since the rollout of True Rewards and you will maintain that tier throughout the remainder of the year unless of course you earn a higher tier. Beginning in January 2021, locals will automatically have a FULL YEAR to earn tier status.

  • Why did you decide to discontinue Dividends and Mystery Point Multipliers?

    In terms of Mystery Point Multipliers, we decided to replace the program in part due to negative feedback received from our guests. In terms of both programs, we feel it is time for a change to give us more flexibility with our promotions and create more exciting daily and weekly promotions for you to take advantage of with True Rewards. While we recognize that some changes to True Rewards will not be received positively from all of our members, we are confident you will be happy with the many new things we have planned to our property promotional calendars!

  • When will I be able to redeem my Dividends this year?

    For locals, Dividends earned between January-June this year will be evaluated on July 1st and available for redemption in equal amounts per month from July-December. Dividends earned in July this year will be evaluated on August 1st and available for redemption in August. For non-locals, Dividends earned between January-July this year will be evaluated on August 1st and available for redemption from August-December.

  • Did any other True Rewards benefits change like point earning rates, point earning for table games or point earning for retail (non-gaming) purchases?

    Absolutely not! Our earn and redemption rates have remained unchanged, you can still earn points for all gaming and select non-gaming purchases as well as redeem earned points at over 140 locations!

  • I already have an ace/PLAY, Golden Rewards, Beer & Bites, Checkout Rewards, Gold Mine or Rocky Gap rewards card. Do I need to become a True Rewards member?

    Yes. At the time your favorite location goes live with True Rewards, your current card will no longer work. You will receive correspondence as your location goes live. To become a True Rewards member, visit any Golden Entertainment location to make the switch as soon as your preferred destination goes live with True Rewards. Find a location

  • What are tier points and how do I earn them?

    Tier points are BASE points earned which are used to determine your tier level (True, Loyal, Solid, Legit or Epic). Base points do not include multiplied points or adjusted points. You can earn points when you play or dine at any Golden Entertainment location. Select casino bars and restaurants apply.

  • At which Golden Entertainment locations can I earn and redeem True Rewards points?

    True Rewards points can be earned and redeemed at any Golden Entertainment casino, tavern or participating grocery store. See the full list of Golden Entertainment locations here.

  • Do my points ever expire?

  • Where and how can I spend my points?

    True Rewards points can be earned and redeemed at any Golden Entertainment property, and on select True Rewards partners products and services. Select restaurants at casinos do not apply.

  • How do I earn points for purchases at bars and restaurants?

    Keep your card handy to show at the time of a transaction, your server or other Golden Entertainment team member will swipe your True Rewards card at time of transaction.

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