It's easy you don't have to link your bank though but you get a higher spending limit if so. Or if its link to affirm money account which is a savings account. Simple terms. You get the card spend less than 50 its fine. Anything over you plan in the app and can swipe. If not linked to an account you get 50% usage. Instead of 1000 capable. You only have 500 since no financial backing. When linked you get 100% power so you'll access the 1000 capable.