Up To $1000^

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 2020. Simply fill out this form.

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Use the Emerald Advance
Line of Credit Year Round

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If approved, you'll enjoy the benefits of access to money on your H&R Block Emerald CardDisclaimer number 110. Scrolls to disclaimer.. Plus, you'll have access to this year-round line of credit to use when you need it. Here's how the H&R Block Emerald Advance® works:

How to apply

Between Nov. 18, 2019 and Jan. 10, 2020 bring a current pay statement, driver's license, and your Emerald Card® (if you have one), to a participating H&R Block tax office. It typically takes about 20 minutes to apply. If approved, you'll usually get money loaded to your Emerald Card® before you leave the parking lot.

How to Use

Emerald Advance draws are loaded to your Emerald Card®, a prepaid Mastercard®, valid anywhere Debit Mastercard® is accepted. The line of credit gives you the ability to repeatedly borrow and repay money and has an annual resting period from Jan. 27 - Feb. 15 in which draws cannot be made from your Emerald Advance.

How to pay down

The Emerald Advance must be paid down to zero by Feb. 15 to maintain your account in good standing. If you choose H&R Block for tax preparation you have the option to pay down using your income tax refund. Other pay down options are available.

Account management your way

You can manage your Emerald AdvanceSM easily, both online with your MyBlockSM account, and with the mobile app. You can review your balance, available credit, and current transactions. You can even make a payment or a withdrawl.

Login to MyBlockSM

Easy payment options

With a minimum monthly payment of only $25 or 4% of your balance for most months, (whichever is greater) payments are both affordable and manageable. Remember, you must pay down your balance to zero by Feb. 15 each year to keep your account in good standing.

Emerald AdvanceSM payment by check or debit card

Transfer payment from H&R Block Emerald Prepaid Mastercard®

Cash payment at MoneyGram® or 7-Eleven® or Family Dollar® locations (service charge applies)

Tax Refund (for paydown only, not availabe for monthly payment)

Pricing & fees


Annual fee*

Assessed yearly on the day the Emerald AdvanceSM is opened


Annual percentage rate (APR)**

Finance charge assessed on the amount drawn from your Emerald AdvanceSM


Late payment fee

Assessed if monthly payment is received after the due date (maximum of 5 fees per year).


Returned check fee

If a check is used to make a payment on your Emerald AdvanceSM from another bank, and that bank dishonors or returns it unpaid for any reason, a $20 fee per returned check may be charged.

*$30 in subsequent years for clients who maintain their accounts year-round. If, at the time you establish your Emerald AdvanceSM, 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.

**36% 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-$1000.

H&R Block Emerald Advance® line of credit and H&R Block Emerald Savings® offered through Axos Bank®, Member FDIC. H&R Block Emerald Prepaid Mastercard® issued by Axos Bank pursuant to a license by Mastercard International Incorporated. All products subject to ID verification. If approved for an Emerald AdvanceSM, your credit limit could be between $350-$1000. Line of credit subject to credit and underwriting approval. Fees apply. Products offered only at participating offices. Promotional period 11/14/2019 – 1/10/2020. Emerald Financial Services, LLC is a registered agent of Axos Bank. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Emerald Advance line of credit is a tax refund-related credit product. Emerald Card® is a tax refund-related deposit product. OBTP# B13696 ©2019 HRB Tax Group, Inc.

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