Lenny points can be used to increase your credit limit and gain access to additional features. Points never expire and keep accumulating as they’re earned.

Everyone gets ten free Lenny Points (LP) just for signing up.

Earning Lenny Points Monthly

To earn more every month, members can earn points for the following:

  • 2 LP for an on-time payment
  • 4 LP for a month-end utilization ratio under 30%
  • 4 LP for paying your bill in full
  • 2 LP for reading all 10 of our finance blogs each month in the Learn section of the app

You can earn a maximum of ten Lenny Points per month through these actions.

One-Time Bonus Points

You can also earn one-time bonus points for reaching the following FICO® Score thresholds:

  • 30 LP for reaching 670
  • 40 LP for reaching 740
  • 50 LP for reaching 800

How Lenny Points Unlock Balance Increases

Once you earn enough points and reach one of the Lenny Points thresholds below, a perk is unlocked.

  • 60 Points . . . . . . . . . First Balance Increase
  • 100 Points . . . . . . . . Second Balance Increase
  • 140 Points . . . . . . . . Third Balance Increase


Get the full guide on Lenny Points here.

Did this answer your question?