EarnIn partners with Upside to expand access to everyday cash back
EarnIn customers can now access personalized Upside offers at thousands of food and fuel locations nationwide
NOTE: EMBARGOED UNTIL OCTOBER 14, 2025
October 14, 2025 – WASHINGTON, D.C. — Upside, a digital marketplace that connects retailers with new and existing customers through personalized cash back offers, today announced a partnership with EarnIn, an earnings management platform. Through this integration, millions of EarnIn users can now access Upside offers directly within the EarnIn app, stretching their dollars further on the things they need most. Deals include up to 11% cash back on groceries, 22¢/gal cash back on fuel, and 24% cash back at restaurants.
“At EarnIn, our goal has always been to bring people closer to their earnings and give them greater control over their money,” said Raghu Mittal, GM, Marketplace at EarnIn. “By bringing Upside’s personalized promotions into our app, we’re helping our community not only access their wages early but also maximize their purchasing power on the essentials they rely on every day.”
The integration is powered by an API connection, which enables Upside’s dynamic promotions to appear natively in the EarnIn app. This seamless distribution meets users where they already transact while delivering measurable results for Upside retailers.
“Partnering with EarnIn expands Upside’s mission to put more economic power in people’s hands,” said Chad Crutchfield, Upside’s Vice President of Strategic Partnerships. “It stretches EarnIn users’ dollars on essentials and brings our retailers a whole new set of loyal customers.”
Upside helps consumers earn 3.0x more cash back than other apps on everyday purchases. Reaching 35 million consumers through its app and partner network – up to three times the reach of industry peers – Upside connects shoppers via banking apps, gig economy platforms, and fintech tools. At the same time, retailers use Upside to attract new customers, boost repeat visits, and drive incremental profit through measurable, attributable transactions.
EarnIn provides access to more than $25 billion in earnings each year. To date, the app has been downloaded 27 million times, its community has generated more than 750,000 customer referrals, and it has earned over 550,000 five-star reviews.
ABOUT UPSIDE
Upside is a marketplace that connects consumers with brick-and-mortar retailers through personalized offers. Since 2016, Upside’s AI-driven personalization technology has helped millions of people get more purchasing power on the things they need, and tens of thousands of businesses earn measurable profit. Billions of dollars in commerce run through the Upside platform every year, and that value goes directly back to our retailers, the consumers they serve, and towards important sustainability initiatives. For more: www.upside.com.
ABOUT EARNIN
EarnIn offers an earnings management platform that helps people take control of their money and build momentum. With tools like on-demand pay, early paycheck access, credit-building, and real-time streaming pay subject to customer’' pay period max, EarnIn provides flexible ways to access and manage earnings — all without interest, hidden fees, or credit checks. EarnIn is a financial technology company, not a bank. Banking services are provided by our Bank partners. See EarnIn.com for details.
MEDIA CONTACT:
Jane Coloccia
JC Communications, LLC
917-930-0062
Jane@JCCommunicationsllc.com