How It Works

Represent cash back rewards offer a way for MoCaFi cardholders to support the growth of Black and Latinx entrepreneurs when you spend with your MoCaFi Debit Card.

  • Use your MoCaFi Debit Card to shop at any of our Represent Brand.
  • Get 1.5% cash back on your purchase.
  • Enroll in direct deposit to double your cash back to  3% cash back.
  • Cash back funds are credited to your account within 30 days of purchase. 


MULTI-purpose grooming & welness products that help you look, feel, and smell your best.


Non-toxic marketplace by all Black artisans. One-stop shop for all natural Black-owned products.


It's Time To Build

The MoCaFi Bank Account and MoCaFi Debit Card

Get banked, build credit and create wealth from the ground up.

Sign Up

The MoCaFi Bank Account and the MoCaFi Debit Mastercard are issued by Sunrise Banks N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card may be used everywhere Debit Mastercard is accepted. Use of this card constitutes acceptance of the terms and conditions stated in the Account Agreement. The MoCaFi Bank Account is marketed and administered by MoCaFi. MoCaFi is a financial technology company and not a bank.  Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Members FDIC.

MoCaFi credit and wealth-building features are not Sunrise Banks N.A. products, nor does Sunrise Banks N.A. endorse these features.

1 MoCaFi Represent program is not a Sunrise Banks N.A. product, nor does Sunrise Banks N.A. endorse this feature.