Emerald Advance®
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Get the H&R Block Emerald advance card and get cash rewards.

Stay One Step Ahead of Unexpected Expenses

The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000126, depending on bank approval. Use it year-round for emergencies, car repairs, bills and other credit needs. Only borrow and repay the specific amount you need.

Benefits of the Emerald Advance

  • Load funds drawn from your line of credit to your H&R Block Emerald Prepaid MasterCard® for easy access
  • Ability to pay down the balance on the Emerald Advance with a portion of your tax refund, if you so choose
  • Access to credit year-round

Use it year-round

Be prepared when the unexpected occurs. If approved during the promotional period, you are eligible to maintain your line of credit year-round127.

How do I apply?

Schedule an appointment now to apply for an Emerald Advance at a participating office near you between November 24, 2014 and January 15, 2015. Bring these items with you:

  • Current earnings statement (e.g. paycheck stub)
  • Unexpired government-issued photo ID (e.g. valid driver's license)
  • New clients: proof of current address (e.g. recent bill or bank statement)
  • H&R Block Emerald Prepaid MasterCard® (if you have one)

How To Use

Accessing funds is easy

  • You could have year-round access to up to $1,000126, loaded on an H&R Block Emerald Prepaid MasterCard. If approved, you can walk out of the office with funds already loaded to your card.
  • At MyEmeraldAdvance.com you can view transactions, make payments and view statements. Enroll to receive your statements electronically and you'll be entered into our monthly sweepstakes for a chance to win $500 through April 2015Disclaimer number136. Scroll to bottom of page.. Learn more
  • Your account is also accessible through the Emerald Card Mobile Banking App

Payback is easy

Minimum monthly payment of $25 or 4% of the outstanding balance, if greater. Balance due in full by February 15, 2015.

We have several convenient options to make a payment, including:

  • Check or debit card
  • Transfer from Emerald Card
  • Cash payment at MoneyGram® or 7-Eleven® locations ($2.99 service charge applies)
  • Tax Refund – for paydown only, not available for monthly payment

Fees

Fees and Terms

  • $45 Annual Fee – Assessed on the day the Emerald Advance is opened
  • 36% Annual Percentage Rate (APR) – Finance charge assessed on the amount drawn from your Emerald Advance
    • 36% APR applies during promotional period and for unsecured lines of credit. For partial savings-secured and full savings-secured lines of credit, the APR is 18% and 9% respectively. For more details, see the Terms & Conditions.
  • $7.50 Late Fee – Payments received after the due date may be assessed a late fee. Assessed monthly, maximum of 5 fees per year.

Emerald Advance Auto-Pay Request Form

H&R Block Bank offers an optional automatic payment plan that is a convenient way for you to make each required monthly minimum payment on your Emerald Advance and help you avoid late charges.

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View Emerald Advance Terms & Conditions

The H&R Block Emerald Card

Use your H&R Block Emerald Prepaid MasterCard and get cash rewards offers from a variety of merchants.

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Learn more - Emerald Card

Emerald Card

Use your Emerald Card to earn cash rewards at the stores you love.

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Learn more - Emerald Card

Tax Refund Options

H&R Block lets you choose how to get your refund.

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Need Live Support? 1-800-HRBLOCK (1-800-472-5625) or Find An Office Find An Office

Offer Details and Disclosures