Is the Fetch Credit Card Worth It? Best Fetch Credit Card Features for 2025

Looking to earn rewards on everyday purchases without needing perfect credit? The Fetch Credit Card, issued by First Electronic Bank and serviced by Imprint, is set to launch in fall 2025, offering a unique way to stack points through shopping and the Fetch app. With best Fetch Credit Card features like high points rates and a low credit score requirement, it’s a promising option for beginners in Ghana, the US, Canada, and the UK. This guide breaks down the card’s top features, eligibility, and tips to save money while avoiding costly mistakes. Let’s explore if this card is your ticket to smarter spending!

What Is the Fetch Credit Card?

The Fetch Credit Card, backed by American Express, combines the Fetch app’s receipt-scanning rewards with points earned on card purchases. Fetch lets you earn points by uploading receipts or completing in-app tasks, which you can redeem for gift cards or other rewards. According to Rachel Ehrlich, Fetch’s general manager, the card’s waitlist is expected to lift in fall 2025, making it a fresh addition to the high-CPC credit card niche. Whether you’re in Ghana using mobile apps or in the US, Canada, or UK managing a budget, the best Fetch Credit Card features could help you save smarter.

Why the Fetch Credit Card Stands Out

Unlike many rewards cards requiring a FICO score of 670+, the Fetch Credit Card is accessible with a minimum credit score of 620, ideal for those with fair credit. It offers multiple ways to earn points, but its high APR (up to 34%) means you must pay off balances monthly to avoid interest wiping out rewards. With no 0% intro APR or standard welcome bonus, it’s best for Fetch app users who can stack rewards. The best Fetch Credit Card features attract banking advertisers, boosting site revenue while helping readers maximize their earnings.

8 Best Fetch Credit Card Features for 2025

Here are the top eight features of the Fetch Credit Card, with tips to use them in Ghana, the US, Canada, and the UK.

1. High Points on Retail and Grocery Purchases

• Feature: Earn 10 points per $1 on retail and grocery purchases.
• Why It’s Great: High earning rate for everyday spending; grocery receipts also earn Fetch app points.
• How to Save: Shop at stores like Walmart or local Ghanaian markets and upload receipts.
• Example: A US user earns 10,000 points ($10 in gift cards) on a $1,000 grocery spend.
• Tip: In Ghana, use at supermarkets like Shoprite for double points.
• Best for: All regions, especially frequent shoppers.

2. Points on All Purchases

• Feature: Earn 5 points per $1 on non-retail/grocery purchases.
• Why It’s Great: Rewards everything from dining to utilities.
• How to Save: Use for small purchases like coffee to accumulate points.
• Example: A UK user earns 5,000 points (£5 in gift cards) on a £1,000 spend.
• Tip: In Canada, pay bills with the card to stack points.
• Best for: All regions for versatile spending.

3. Spin and Win Bonus Points

• Feature: Earn up to 1,200 bonus points per transaction via “Spin and Win.”
• Why It’s Great: Adds surprise rewards to card purchases.
• How to Save: Use the card for frequent small transactions to trigger bonuses.
• Example: A Canadian wins 1,000 bonus points on a $20 purchase.
• Tip: In Ghana, use for mobile money top-ups to test Spin and Win.
• Best for: All regions for fun rewards.
• Resource: Pair with SmartMoneyMint’s budgeting tips.

4. AmEx Offers Access

• Feature: Access American Express Offers for discounts and bonus rewards (enrollment required).
• Why It’s Great: Extra savings at select merchants like Target.
• How to Save: Check AmEx Offers weekly for deals matching your spending.
• Example: A US user saves $15 on a $50 retail purchase.
• Tip: In the UK, use for dining or travel deals.
• Best for: US/UK/Canada with AmEx merchant access.

5. Cardholder-Only Brand Offers

• Feature: Exclusive offers with specific brands or merchants.
• Why It’s Great: Tailored discounts boost point earnings.
• How to Save: Monitor Fetch app for cardholder promotions.
• Example: A UK user earns 2,000 bonus points on a brand deal.
• Tip: In Ghana, check for local retailer offers via the app.
• Best for: All regions for targeted savings.

6. Low Credit Score Requirement

• Feature: Qualify with a 620+ FICO score; pre-approval without credit impact.
• Why It’s Great: Accessible for fair credit users, unlike cards requiring 670+.
• How to Save: Check eligibility on Fetch’s site to avoid hard inquiries.
• Example: A Canadian with a 630 score gets approved and earns rewards.
• Tip: In the US, use to build credit with on-time payments.
• Best for: All regions with fair credit.

7. Flexible Redemption Options

• Feature: Redeem points for gift cards, charitable donations, sweepstakes, or Fetch merchandise; 1,000 points ≈ $1.
• Why It’s Great: Low redemption threshold (3,000 points = $3).
• How to Save: Redeem for Amazon gift cards for max value.
• Example: A Ghanaian redeems 5,000 points for a $5 Visa gift card.
• Tip: Donate points to charities like Habitat for Humanity for impact.
• Best for: All regions for flexible rewards.
• Resource: Read SmartMoneyMint’s saving money guide.

8. Stackable App Rewards

• Feature: Earn points via Fetch app for receipts, games, and online shopping.
• Why It’s Great: Combines card and app points for faster rewards.
• How to Save: Upload receipts within 14 days; play Fetch Play games.
• Example: A US user earns 2,000 app points plus 5,000 card points monthly.
• Tip: In Ghana, use the browser extension for online purchases.
• Best for: All regions for app users.

Tools to Maximize Your Rewards

• YNAB: Budget card spending to avoid interest.
• NerdWallet: Compare Fetch to other rewards cards.
• Honey: Find deals to pair with AmEx Offers.
• ChatGPT: Plan reward strategies via x.ai.

Common Mistakes to Avoid

• Carrying a Balance: Pay off monthly to avoid the high APR (up to 34%).
• Ignoring Point Value: Redeem wisely, as 1,000 points = $1 is low compared to 1 cent/point industry standards.
• Missing Receipt Uploads: Scan receipts within 14 days to earn app points.
• Overlooking Offers: Check AmEx and Fetch promotions regularly.

Tips for Success in Ghana, US, Canada, and UK

• Ghana: Use the card at local retailers like Jumia and upload receipts via the Fetch app.
• US/Canada: Stack card points with AmEx Offers at Walmart or Target.
• UK: Combine with Monzo for budgeting and reward tracking.
• All Regions: Redeem for Visa gift cards for flexible spending.