Goalsetter
Strengths
- "Learn before you burn" — the only card that can make financial literacy a prerequisite for spending.
- Curriculum mapped to actual education standards, K through college.
- Mission-driven: Black-owned, built to close the racial wealth gap, with investing from $1.
Weaknesses
- No ATM withdrawals and no direct deposit — teens with jobs will outgrow it fast.
- Subscription pricing ($3.95–5.95/mo) in a segment full of free options.
- The card doesn't work outside the US.
$3.95–$5.95/mo
$3.95/mo or $5.95/mo depending on plan tier (card usage included; investing on higher tier).
Card on/off toggle, weekly budgets, spending notifications, near-real-time transfers — and the signature control: parents can require a passed financial-literacy quiz before spending unlocks each week ("Learn before you burn").
Goal-based savings with round-ups and auto-save; GoalCards let family and friends gift money toward a kid's actual goals instead of buying more stuff.
Card toggle, spending alerts, Mastercard protections.
Yes — banking services via Webster Bank, N.A., Member FDIC; the Cashola card is issued by Pathward, N.A., Member FDIC.
Custodial accounts via Goalsetter Advisors (SEC-registered RIA): kids pick stocks from $1, every trade requires parent approval. Investment balances are not FDIC insured.
The index's only quiz-gated spending: age-appropriate weekly quizzes (K through college), mapped to state and national financial-education standards, with pop-culture framing. Education isn't a feature here — it's the product.
Email support; small-team responsiveness.
United States only (card doesn't work abroad).