H&R Block Emerald Advance®

You could get a line of credit up to $1,000.

Emerald Advance℠ is no longer available in tax offices for this season.

Here’s how Emerald Advance℠ works.

Application period open from Nov. 15, 2022 through Jan. 7, 2023. If approved, you could have year-round access to a line of credit whenever you need it.

No W-2 required to apply.

All you need is a current pay statement and valid government-issued photo ID. Plus, you don’t even need to be an H&R Block tax client to apply.

Access funds.

Funds are loaded onto an H&R Block Emerald Prepaid Mastercard®, valid anywhere Debit Mastercard is accepted. The line of credit lets you repeatedly borrow and repay money.

Make payments.

You must make minimum monthly payments and pay down your balance to $0 by Feb. 15 to remain in good standing.

Pay down to zero.

Choose H&R Block to file your taxes, and you can elect to pay your line down to zero with a portion of your refund. Tax preparation is not required, other pay down options are available.

Payment options made easy.

Required minimum monthly payments are $25 or 4% (whichever is greater) of your balance for most months. Payments can be made:

By mail, phone, online or MyBlock app with debit card, money order, or checking account.

Through automatic or individual payments from your Emerald Card®.

Via cash payment at any MoneyGram® or any participating PayNearMe location (third party fees apply).

With your tax refund (not available for monthly payment).

Emerald Advance pricing and fees.


Annual fee

Assessed yearly on the day Emerald Advance is open.


Annual Percentage Rate (APR)

Finance charges are assessed on the amount drawn from your Emerald Advance.


Late payment fee

Assessed if a required monthly payment is not received by the due date (maximum of three fees per year).


Returned check fee

Dishonored or returned checks from another bank used to make an Emerald Advance payment are subject to a $20 fee.

My block mobile app

Manage finances with MyBlock.

The newly designed MyBlock app is your H&R Block account home. Stay up to date on your Emerald Card. Check your balance, set up card loads, and more. It’s easy.

Create a MyBlock account

Explore all MyBlock has to offer

  1. $30 in subsequent years for clients who maintain their accounts year-round. If, at the time you establish your Emerald Advance℠, you are a covered borrower as that term is defined in the Military Lending Act and its implementing regulations, including 32 CFR § 232.3 (a “Covered Borrower”), and so long as you remain a Covered Borrower, your annual fee will be waived.
  2. 35.9% APR applies during promotional period and for unsecured lines of credit. For full savings-secured lines of credit the APR is 9%. For more details, see the Terms & Conditions.
  3. If approved for an H&R Block Emerald Advance®, your credit limit could be between $350-$1,000.

H&R Block Emerald Advance® line of credit, H&R Block Emerald Savings® and H&R Block Emerald Prepaid Mastercard® are offered by Pathward, N.A., Member FDIC. Cards issued pursuant to license by Mastercard. Emerald Advance℠ is subject to underwriting approval with available credit limits between $350-$1,000. Fees apply. Offered at participating locations. Promotional period 11/12/2022 – 1/7/2023. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. OBTP# B13696 ©2022 HRB Tax Group, Inc.

H&R Block Emerald Prepaid Mastercard® is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ©2022 HRB Tax Group, Inc.

Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Message and data rates may apply.