Ditch the cash and get cash back

Finally! Payments that reward you without inviting you to incur debt.

Cash back on every purchase
Boost cash back by reviewing merchants
Redeem offers automatically without opting in
Earn passive income by getting others to download and use Lüt

Digital money when and where you need it

Our next-generation mobile app offers seamless, secure mobile payments for always-on people looking to get rewarded for their business without the risk of going into debt.

Text 'Got Lut?' above a purple circle with a white smiling face composed of two dots for eyes and a curved line for a mouth.

Fast, Secure Transactions

Biometric security and advanced encryption keep your funds safe and your payments protected.

Mobile Peace of Mind

Make instant payments anytime, anywhere Lüt is accepted, with total peace of mind.

Stackable Savings

Marry cash back on every purchase with merchant-funded offers to amplify your savings.

Lüt
PayDays

When you use Lüt to store, review, spend, you earn cash back in your account every Friday.

Share your experience to boost your rewards

Load your wallet

Instant loads available
depending on where you bank

Digital wallet interface showing adding $35.00 from Citizens Bank U.S. account ending in 1011.

Make a purchase

Present your QR code
to pay the merchant

Mobile payment screen showing a QR code to pay with a balance of $247.35 and instructions to show the QR code to the retailer.

Review the merchant

Rate the merchant
and enter a comment

Thank you message displaying a 5-star rating and a review praising Stromboli Pizza for being fantastic and perfectly cooked.

Earn status points

Earn points for every review you submit—regardless of the rating you give

Dashboard showing Gold Lüter status with 14 points earned and 46 points needed to attain Platinum, plus options to leave a review and see the most reviewed merchant.

Build your status

Progress from Silver to Platinum—
earning more along the way

App screen showing Dan1967's Platinum Lüter account earning 0.4% cash back with a graph and prompts to leave a review and view the most reviewed merchant.

Get cash back

Get cash back every Friday on Lüt Pay Day and do with it as you please

Mobile screen showing a Lüter app payout of $13.78 on April 1, 2024, at 2:07 PM, with reference number 7469128A62.

Save on promotional offers without the need to opt in

Browse

Look for "Offers Near Me" on your Lüt Home page

Earn

No opt in required to automatically earn your savings

Buy

Present your QR code to pay the merchant

Receive

Get paid all accrued savings every Friday on Lüt PayDay

Become a Lüt Ambassador

At Lüt, we believe loyalty is a two-way street.

Make five transactions to earn a one-time thank you bonus and unlock the potential to earn long-term passive income by referring others to download and use the Lüt app.