Our verdict: Tilt’s Motion and Engage Visas are the same card with two price tags: identical 29.24%–34.24% variable APR, identical rewards, identical WebBank issuer, but Motion costs $0 a year while Engage costs $59, deducted from your credit line before you spend a dollar. Prequalify (soft pull) and take Motion if it’s offered; pay for Engage only if it is the sole approval you can get, and even then compare a secured card first.
| Annual fee | Motion: $0 · Engage: $59, assessed before use, reducing initial available credit |
|---|---|
| Monthly fees | $0; Tilt’s separate $8/month subscription does not apply to the credit cards |
| Purchase APR | 29.24%–34.24% variable (Prime at 6.75% + margin of 22.49%–27.49%), both cards |
| Rewards | 1%–10% cash back at select merchants, no enrollment required, both cards |
| Credit check | Soft-pull prequalification; hard pull on the full application |
| Reports to | “The major bureaus” per the card pages; Tilt’s blog names Experian, Equifax, and TransUnion |
| Starting limit | Not published by the issuer; Engage’s disclosure uses a $300 minimum limit as an illustrative example only |
| Issuer | WebBank (Salt Lake City), serviced by Tilt Card, Inc. |
Terms verified August 26, 2026 against Tilt’s own Motion disclosure PDF, Engage disclosure PDF, Motion card page, and Engage card page; Tilt states its disclosures are accurate as of May 27, 2026.
Motion vs. Engage: one difference that matters
Every core term on these two cards matches. The $59 Engage fee is the only meaningful difference, and Tilt charges it before you use the card. The issuer’s own example: a $300 minimum limit opens with $241 actually available. Tilt also notes that $300 figure is illustrative only; actual starting limits are not published.
| Motion | Engage | |
|---|---|---|
| Annual fee | $0 | $59, assessed before use |
| Purchase APR | 29.24%–34.24% variable | 29.24%–34.24% variable |
| Rewards | 1%–10% at select merchants | 1%–10% at select merchants |
| Issuer | WebBank | WebBank |
Which card you are offered comes out of underwriting, not your choice of application. Motion wins whenever both are on the table; Engage only makes sense when it is the one approval available. Tilt also markets a third card, Tilt Essentials, for fair-to-excellent credit ($0 fee, 29.99% variable APR, 1% on everything plus 3% on gas and groceries with AutoPay, per tilt.com/credit-cards).
The fine print both cards share
Cash-like transactions cost the greater of $5 or 5%. The late fee runs up to $40. The foreign transaction fee is $0. There are no cash advances at all: ATM withdrawals, balance transfers, and cryptocurrency purchases are prohibited. The cardholder agreement includes an arbitration clause with a class-action waiver. The APR is variable, built as the Prime Rate (6.75% in the current disclosures) plus a margin of 22.49% to 27.49%, so your rate moves when Prime moves.
Applying and growing the limit
Prequalification is a soft pull; the hard inquiry happens only on the full application at apply.tilt.com. Tilt offers optional bank-account linking to improve approval odds. Once approved, credit line increases are considered as early as 4 months in, with an automatic increase after 6 qualifying on-time payments. If you are denied, Tilt allows reapplying after 30 days. The card pages say the cards report to “the major bureaus”; Tilt’s own blog names Experian, Equifax, and TransUnion.
Who should get one, and who shouldn’t
- Get Motion if you’re rebuilding, want a $0-fee unsecured card with soft-pull prequalification, and will pay in full monthly
- Take Engage only if it is the sole approval Tilt offers you and $59 beats tying up a deposit for you this year
- Skip both if you can fund a deposit: the Capital One Platinum Secured review covers a $0-fee secured alternative and the OpenSky Plus review covers a no-credit-check one; the tradeoff is laid out in secured vs. unsecured
- Skip both if you might carry a balance at up to 34.24%
Check the current offer at Tilt
Tilt’s CFPB complaint record
We searched the CFPB Consumer Complaint Database on August 26, 2026 for the operating companies behind these cards, Tilt Card, Inc. and Empower Finance, Inc., and for the issuing bank, WebBank, and located no company-level complaint records tied to the Tilt cards. That is an absence of findable data, not proof of zero complaints: complaints may be recorded under other entity names, and newer card programs often lack a distinct entry in the database.
Frequently asked questions
What is the difference between Tilt Motion and Tilt Engage?
The $59 Engage annual fee is the only meaningful difference. Both cards carry the same 29.24% to 34.24% variable APR, the same 1% to 10% rewards at select merchants, and the same issuer, WebBank. Engage’s fee is charged before use, so it reduces your available credit on day one.
Which credit bureaus do Tilt cards report to?
Tilt’s card pages say only the major bureaus, without naming them. Tilt’s own blog names Experian, Equifax, and TransUnion.
Can I get a cash advance on a Tilt card?
No. Tilt’s disclosures prohibit cash advances entirely, including ATM withdrawals, balance transfers, and cryptocurrency purchases. Cash-like transactions that do post carry a fee of the greater of $5 or 5%.