An account you keep
Add money, keep a balance, and spend it anywhere the card is accepted. One sign-in across every BlackOak experience.
BlackOak Consumer
One account.
One card. Rewarded where you shop.
BlackOak Consumer is an account and a BlackOak debit card, held at our partner bank, built on the same identity as every BlackOak merchant. Launching early 2027.
Request early access01
The account that knows where you shop.
BlackOak Consumer is being built as an everyday account with a BlackOak debit card, in metal and plastic, and in your phone wallet. Because it shares one identity with BlackOak Commerce and Marketplace, the shops you already buy from can recognize you, reward you, and make the next visit worth more.
A card worth carrying
A BlackOak debit card in metal or plastic, with virtual cards and phone wallets for paying online and in store.
Rewards from the shops you use
Points funded by each merchant and redeemed at that merchant, shown together in one place so nothing gets lost.
Built with the bank
The account is held at our partner bank, with identity verification and protections designed in from the first screen.
Rewarded where you already shop.
Every BlackOak merchant can reward you directly. Your points stay with the shop that gave them and are waiting on your next visit.
Your points this month521 pts
- Solace Day SpaFacial and massage+185 pts
- Fieldhouse CoffeeTwelve visits this month+96 pts
- Harbor & PineRain shell+240 pts
Sample account. Each merchant sets its own rewards. Points redeem at the merchant that issued them.
What you get with BlackOak.
One account for how you shop
Keep a balance, pay with your card, and see every purchase in one place, held at our partner bank.
A card worth carrying
A BlackOak debit card in metal or plastic, with virtual cards and phone wallets for paying online and in store.
Rewards from the shops you use
Shops on BlackOak reward you directly. Points stay with the shop that gave them and redeem there on your next visit.
All your points in one view
See what you have at every shop together, so nothing you earned is forgotten.
One sign-in everywhere
The same account works at every BlackOak merchant and in the Marketplace. Verified once.
Built with the bank
Identity checks and account protections are designed in from the first screen.
How it works.
- 1
Join the list
Tell us you are interested. We open accounts in groups, ahead of launch in early 2027.
- 2
Open your account
Verify your identity once and your account is ready.
- 3
Add your card
Use your virtual card in your phone wallet, and your physical card when it arrives.
- 4
Shop and earn
Pay at BlackOak merchants and collect each shop's rewards in one place.
Questions
When can I open an account?
BlackOak Consumer launches in early 2027. Join the list and we will invite you as accounts open.
Is BlackOak a bank?
No. BlackOak is a financial technology company. Your account will be held at our partner bank.
Where can I use the card?
Anywhere debit cards are accepted. At BlackOak merchants you also earn that shop's rewards.
What will it cost?
Account fees will be published before launch. Nothing is charged to join the list.
Part of one
connected system.
Consumer completes the BlackOak network. Merchants accept payments through Commerce, customers find them through Marketplace, and Consumer gives those customers one account that rewards them for coming back.
Coming soon · Early network access
Get inside before your market does.
Consumer is being built now, with the first cohort. Where you sit in the queue decides which cohort you land in.
- ✓Pricing on the table first. Founding participants see the full economics before anything is signed — no rate card discovered after go-live.
- ✓Priority onboarding. First cohort in, ahead of general availability.
- ✓A hand in the build. Direct input to the roadmap and a named contact through the pilot.