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. Be the first to know when Emerald Advance appointment scheduling begins in November 2022.

Here’s how Emerald AdvanceSM works.

Application period open from Nov. 11, 2021 through Jan. 8, 2022. If approved, you could have year-round access to a line of credit whenever you need it .

No W-2 required to apply.

No W-2 required to apply.

All you need is a current pay statement and driver’s license. Plus, you don’t even need to be an H&R Block tax client to apply. 

 Access funds.

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, with an annual resting period from Jan. 27 – Feb. 15 when Emerald Advance withdrawals cannot be made. 

Payments/Pay down.

Payments/Pay down.

Make minimum monthly payments and pay down your balance to $0 by Feb. 15 to remain in good standing. If you choose H&R Block to file your taxes, you may also choose to pay down using your tax refund, however other pay down options are also available.

Payment options made easy.

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 an 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 & 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 monthly payment is received after the due date (maximum of five 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 redesigned MyBlock app is your H&R Block account home. Stay up to date on your Emerald Card. Check your balance, pay bills , set up direct deposits, and more. It’s easy.

Create a MyBlock account

Explore all MyBlock has to offer

*$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.

**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.

^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 MetaBank®, N.A., Member FDIC. Cards issued pursuant to license by Mastercard International Incorporated. Emerald Advance℠ is subject to underwriting approval with available credit limits between $350-$1,000. Fees apply. Offered at participating locations. Promotional period 11/11/2021 – 1/8/2022. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated. OBTP# B13696 ©2021 HRB Tax Group, Inc.

H&R Block Emerald Prepaid Mastercard® is issued by MetaBank®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design are registered trademarks of Mastercard International Incorporated. Additional fees, terms and conditions apply; consult your Cardholder Agreement for details. ©2021 HRB Tax Group, Inc.