Your benefits card, finally simple.
A real debit card, instant claim status, AI support that actually helps, and investing from your first dollar. Welcome to Phase 3 Benefits.
Tap, swipe, or add it to Apple Pay.
It works wherever eligible expenses are sold. Substantiation runs in the background. You don't have to think about it.
Use it anywhere
Pharmacies, doctors, dentists, vision, and thousands of online merchants.
Apple Pay & Google Pay
Add your card to your phone the moment it's activated.
Lost? Lock it in seconds.
Card controls and instant lock from the app — no waiting on a phone tree.
Built for the way you actually use your benefits.
- Scan a product. We'll tell you if it's eligible before you check out.
- Snap a receipt. Two taps to attach it to the right transaction.
- Ask the app. Got a question at 11 p.m.? It answers in seconds, not days.
- Invest from $0. No minimum threshold. Start the day you fund the account.
Not sure if it's covered? We'll tell you in the aisle.
Scan a product with your camera, or search the in-app eligibility list. Backed by current IRS guidance (Publication 502).
Prescriptions
Yes, with a valid prescription.
OTC medicine
Yes, for most categories under current rules.
Vision & dental
Yes, including exams, glasses, and orthodontics.
Mental health
Yes, including therapy and counseling.
Get the app.
Available on iOS and Android the moment your employer rolls out Phase 3 Benefits.