Cheese

Cheese (earncheese.com) is a financial technology startup that offers a unique debit card designed to provide significant cash back rewards and support for international students and underserved communities. The company operates in the personal finance and banking sector, targeting clients who are often overlooked by traditional banks, such as international students and individuals with limited or no credit history.

Cheese's primary product is a cashback debit card that offers up to 10% cash back at over 10,000 participating merchants, including a special focus on Asian-owned restaurants. This initiative not only rewards users but also supports local businesses, particularly during Asian Pacific American Islander (AAPI) Heritage Month. The card comes with no monthly fees, no minimum balance requirements, and free access to MoneyPass ATMs nationwide, making it an attractive option for those looking to avoid traditional banking fees.

The business model of Cheese revolves around earning revenue through interchange fees, which are small fees paid by merchants whenever a customer uses the Cheese debit card. Additionally, Cheese may generate income through partnerships and promotional deals with participating merchants.

Cheese also aims to help users build their credit history, a crucial aspect for international students and others who may struggle to establish credit in the U.S. By using the Cheese card responsibly, users can start improving their credit scores from day one.

In summary, Cheese is a fintech startup that provides a no-fee, high-reward debit card tailored for international students and underserved communities, helping them save money and build credit while supporting local businesses.

Keywords: cashback, debit card, international students, no fees, credit building, fintech, Asian-owned restaurants, personal finance, underserved communities, rewards.