How to Use TakeProfitTrader Credits

TakeProfitTrader credits are digital currency stored in your account wallet that you can spend on Test subscriptions, account resets, PRO activations, and new Test purchases—basically anything except withdrawing to your bank. Credits come from promotional codes (like NOFEE40's $130 PRO activation credit), the rewards program (earn points, convert to credits), or strategic wallet management where you keep PRO withdrawal funds in your account instead of cashing out.

Knowing how to use credits effectively saves hundreds of dollars per year, eliminates payment processing delays, and lets you reinvest profits directly into scaling more accounts without touching your personal bank account.

Quick heads-up: This article is based on my real experience with TakeProfitTrader and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check TakeProfitTrader´s website or their knowledge base.

What TakeProfitTrader Credits Are (And Aren't)

Credits are:

• Account balance stored in your dashboard wallet
• Spendable on TPT platform purchases (Tests, resets, PRO activation)
• Earned through rewards points, promos, or kept from withdrawals
• Separate from your cash wallet balance

Credits are NOT:

• Withdrawable to your bank account or PayPal
• Transferable to other TPT users
• Usable outside TakeProfitTrader platform
• Convertible to cash in any way

Think of credits like store credit at a retailer—you can buy anything in the store, but you can't get cash back.

Where Credits Come From

Source 1: Promotional Codes

Promo codes like NOFEE40 or NOFEE30 automatically add credits to your wallet when you pass Test:

NOFEE40 example:

• You buy a $50K Test using NOFEE40 code
• Test costs $102/month (40% off from $170)
• You pass Test after 2 months = $204 total spent
• TPT adds $130 PRO activation credit to your wallet
• You activate PRO using that credit = $0 out of pocket

The credit appears in your wallet's "Credits" section automatically once your Test pass is approved.

Source 2: Rewards Program

TakeProfitTrader's rewards program awards points for activities:

Point earning:

• Pass a Test: 250 points
• Withdraw $1,000 from PRO: 500 points
• Spend $1 on platform: 1 point
• Promotional periods: Bonus point multipliers

Converting points to credits:

• 1,000 points = $10 credit
• 13,000 points = $130 PRO activation credit
• 10,000 points = $100 Test reset credit

Example: You pass 3 Tests (750 points), withdraw $3,000 from PRO (1,500 points), and spent $500 on subscriptions (500 points) = 2,750 points total = redeem for $27.50 in credits.

Source 3: Wallet Balance Strategy

When you withdraw from PRO, funds go to your wallet first. You have two choices:

Option A: Withdraw everything to your bankOption B: Keep some in wallet as "credits" for future purchases

Strategic example:

You withdraw $2,000 from PRO. Instead of cashing out all $2,000:

• Withdraw $1,500 to bank (covers your bills)
• Keep $500 in wallet as credits
• Use that $500 for next month's Test subscriptions or a Test reset

This isn't technically "earning" credits, but it's functionally the same—you're using TPT money to pay for TPT purchases instead of dipping into your personal bank account.

How to Check Your Credit Balance

Before using credits, you need to know how much you have.

Step-by-step:

1. Log into takeprofittrader.com
2. Click your profile avatar (top-right corner)
3. Select "Wallet" from dropdown
4. Your wallet page shows two sections:
   • Available Balance: Cash from PRO withdrawals (withdrawable)
   • Credits: Promotional credits and redeemed reward points (non-withdrawable)

What you'll see:

If you used NOFEE40 and passed Test, your Credits section shows:

• "PRO Activation Credit: $130"

If you redeemed 2,000 points for $20:

• "Rewards Credit: $20"

If you have wallet cash balance:

• "Available Balance: $450" (this is withdrawable cash, not credits)

Important distinction: Available balance and credits are separate. Available balance can be withdrawn OR used for purchases. Credits can ONLY be used for purchases.

Using Credits for Test Subscriptions

Your monthly Test subscription can be paid with credits instead of a credit card or PayPal.

First Month (New Test Purchase)

When buying a new Test account:

1. Select your account size ($25K, $50K, etc.)
2. At checkout, you'll see payment options:
   • Debit/Credit Card
   • PayPal
   • Your Credits ← Select this
3. System shows available credit balance
4. If you have $170+ in credits, the full amount is deducted
5. If you have less (e.g., $100 credits), you pay the difference via card/PayPal

Example:

$50K Test costs $170/month. You have $120 in credits.

• Credits applied: $120
• Remaining balance due: $50
• You pay $50 via card/PayPal
• Your subscription is active

Renewal Month (Existing Test)

If your Test subscription renews and you want to use credits:

Current process: TakeProfitTrader's auto-renewal system charges the original payment method (card or PayPal) at renewal. Credits don't auto-apply to renewals.

Workaround to use credits:

1. Cancel your current subscription before renewal date
2. Purchase a new Test manually using credits
3. Your progress resets, so only do this if you're starting fresh anyway

Better strategy: If you're mid-Test with progress you want to keep, let the renewal charge your card. Once you pass, use credits for your next Test purchase.

Future update: TakeProfitTrader is reportedly working on allowing credits for auto-renewals, but as of January 2026, this isn't available yet.

Using Credits for Test Resets

If you violate a Test account, you can reset it for $100 (or use $100 in credits).

When you'd reset a Test:

• You hit max trailing drawdown
• You violated position size limits
• You want to start over without losing your subscription discount

How to reset using credits:

1. Go to your dashboard
2. Find the violated Test account
3. Click "Reset Account" button
4. Choose payment method:
   • Debit/Credit Card
   • PayPal
   • Your Credits ← Select this
5. System deducts $100 from your credits
6. Test resets to starting balance, rules are same

Example:

You violated your $50K Test on Day 8. You have $150 in credits.

• Reset cost: $100
• Credits after reset: $50
• Your Test is reset, you can trade again immediately

Cost comparison:

Option A: Reset for $100

• Pro: Keep your promo discount (if using NOFEE40, etc.)
• Con: $100 out of pocket (or credits)

Option B: Cancel and buy new Test

• Pro: Might be cheaper if no promo on current account
• Con: Lose promo discount if you had one

Always reset if you used a promo code like NOFEE40—the lifetime discount is worth keeping.

Using Credits for PRO Account Activation

This is the most valuable credit use. PRO activation normally costs $130, but promo codes like NOFEE40 provide a $130 credit.

When you need this:

You pass Test and receive email: "Congratulations! Activate your PRO account."

How to activate using credit:

1. Log into dashboard
2. Navigate to "PRO" section
3. Click "Go to PRO" or "Activate" button
4. Choose payment method:
   • Your Credits ← Select this
5. System applies $130 credit automatically
6. Amount due: $0.00
7. Click "Activate PRO Account"
8. Wait 1-2 business days for setup

Credit regeneration:

If you violate PRO and reset, the $130 credit regenerates for the next activation (if you used a NOFEE promo originally). This means:

• Pass Test → Activate PRO with credit
• Violate PRO → Reset PRO for $449
• Pass reset → Activate PRO with credit again (credit is back!)

The credit is unlimited-use for that specific account as long as the promo was applied.

Using Credits for PRO Account Resets

PRO resets cost $449-$1,499 depending on account size. You can pay with credits.

PRO reset pricing:

• $25K PRO: $449
• $50K PRO: $549
• $75K PRO: $799
• $100K PRO: $999
• $150K PRO: $1,499

How to reset PRO with credits:

1. Dashboard → find your violated PRO account
2. Click "Reset PRO Account"
3. Choose "Your Credits" as payment
4. System deducts reset fee from credits
5. PRO resets, you can trade again after activation

Strategic credit usage:

You made $2,500 in PRO, withdrew $2,000 (80% = $1,600 to bank, $400 to wallet). You kept $400 in wallet.

Later, you violate PRO. Reset costs $549.

• Use $400 in wallet credits
• Pay $149 remaining via card
• PRO resets, you're back in business

Why keep PRO profits in wallet: If you plan to scale to multiple accounts or expect you might violate, keeping $500-1,000 in wallet gives you a reset safety net without touching your bank account.

Using Credits for New Test Purchases

You can buy additional Test accounts entirely with credits—great for scaling.

Scenario:

You're running one $50K PRO account successfully. You want to add a second PRO account to double income.

Credit-funded approach:

1. You've accumulated 2,000 points (= $20 credit) + you have $200 in wallet from PRO withdrawals
2. Buy a second $50K Test for $170
3. Use $170 from combined credits/wallet
4. Pass Test using copy trading from first account
5. Activate second PRO using promotional credit
6. Now running 2 PRO accounts, only "cost" was time to pass Test

Scaling with credits:

This is how traders run 5 PRO accounts without massive upfront capital:

1. Pass first Test, activate PRO, withdraw $1,500
2. Keep $500 in wallet as credits
3. Use $170 credits to buy second Test
4. Pass second Test, activate PRO with promo credit
5. Now withdrawing from 2 PRO accounts
6. Repeat 3 more times until you hit 5-account limit

Credits vs Cash Balance: Decision Framework

Your wallet can hold both cash balance (withdrawable) and credits (non-withdrawable). How do you decide which to use?

Use Credits First For:

Test subscriptions: Credits can't be withdrawn, so use them for subscriptionsTest resets: Same logic—credits or cash, but credits preserve your bank balance
PRO resets: If you have enough credits to cover a $549 reset, use them

Use Cash Balance For:

Living expenses: If you need the money for rent, bills, food—withdraw it to your bankEmergency funds: Keep 3-6 months expenses in your bank, not TPT walletLarge purchases outside TPT: Down payment on car, etc.

Gray Area: PRO Activation

If you DON'T have a promo credit but you have $130 in wallet cash, should you use it for PRO activation or withdraw it?

Use wallet cash if:

• You're confident you'll make it back quickly in PRO
• You want to activate PRO immediately without waiting for bank withdrawal-to-redeposit cycle

Withdraw to bank if:

• You need that $130 for personal expenses
• You'd rather pay the $130 activation via card later when you have more wallet balance

There's no wrong answer—it depends on your financial situation outside of trading.

Promo Credit Restrictions

Not all credits work the same. Promotional credits (like NOFEE40's $130 PRO activation credit) have specific restrictions:

Can be used for:

• PRO activation only (the exact purpose it was granted for)

Cannot be used for:

• Test subscriptions
• Test resets
• PRO resets
• Other purchases

Why the restriction: Promo credits are purpose-locked. TPT gives you a $130 PRO activation credit, and that's literally the only thing you can spend it on.

Rewards credits (converted from points) are more flexible—you can use them for any purchase.

Credits and Multiple Accounts

If you have multiple TakeProfitTrader accounts (different emails, different profiles), credits don't transfer between them.

Example:

• Account A: You have $200 in credits
• Account B: You have $50 in credits
• You can't move $150 from Account A to Account B

Each account's credits are isolated. Plan accordingly when deciding which account to use for what.

Exception: If you're running multiple Tests under ONE TakeProfitTrader profile (same email), those all share the same wallet/credits. You can use credits from your wallet to pay for any of the Tests under that profile.

Common Credit Mistakes

Mistake 1: Trying to withdraw credits

Credits are non-withdrawable. If you try to request a withdrawal and your balance is all credits (no cash), the withdrawal request fails.

Fix: Only withdraw your "Available Balance" (cash). Leave credits for platform purchases.

Mistake 2: Not using promo credits before they "expire"

Actually, TPT credits don't expire—but I've seen traders forget they have a $130 PRO activation credit and pay $130 out-of-pocket by accident.

Fix: Always check your wallet before making any purchase. Use credits first.

Mistake 3: Buying new Test with credits when you should reset

You violate Test, you have $170 in credits, so you buy a new Test. But you lose your promo discount (if you had one).

Fix: If you used NOFEE40 or similar, always reset ($ 100) instead of buying new Test ($170). You save $70 AND keep your lifetime discount.

Mistake 4: Assuming credits auto-apply

At checkout, you must manually select "Your Credits" as payment method. It doesn't auto-deduct.

Fix: Pay attention at checkout. If you autopilot through and click "PayPal," your credits sit unused while your card gets charged.

Strategic Credit Management

The Self-Funding Loop

Here's how profitable traders use credits to scale without additional personal investment:

Month 1:

• Pass Test ($170 spent)
• Activate PRO with promo credit ($0 spent)
• Make $1,500 in PRO, withdraw $1,200 (80%)
• Keep $300 in wallet

Month 2:

• Trade PRO, make $2,000, withdraw $1,600
• Keep $400 in wallet (now $700 total)
• Use $170 credits to buy second Test
• Pass second Test in 3 weeks

Month 3:

• Activate second PRO with promo credit ($0 spent)
• Now running 2 PRO accounts
• Withdraw $3,000 combined, keep $500 in wallet
• Wallet balance: $1,200

Month 4:

• Use $170 for third Test, $170 for fourth Test
• Pass both, activate both PRO with promo credits
• Now running 4 PRO accounts
• Withdraw $5,000/month, keep reinvesting $1,000 into wallet for resets/scaling

By Month 6, you're at 5 PRO accounts (the max), withdrawing $7K-10K/month, and you haven't spent any NEW money since your first $170 Test purchase. The credits funded everything.

Credits and Tax Implications

Are credits taxable? No—credits aren't income until you actually receive cash.

Example:

You have $500 in credits. You use $170 for a Test subscription. The $170 is an expense, not income. You don't report it on taxes.

However, if you use $500 in credits from PAST PRO WITHDRAWALS (cash you moved into wallet), that $500 was already counted as income when you withdrew it from PRO originally. So using it for a Test subscription is just spending money you already paid taxes on.

Bottom line: Credits from promos or rewards aren't taxable. Credits from your own withdrawals were already taxed when you first withdrew from PRO.

Bottom Line

TakeProfitTrader credits are non-withdrawable account balance that can be spent on Test subscriptions, Test resets ($100), PRO activations ($130), PRO resets ($449-$1,499), and new Test purchases. Credits come from promotional codes (NOFEE40 gives $130 PRO activation credit), rewards program points (convert points to credits at 1,000 points = $10), or strategically keeping PRO withdrawal funds in your wallet instead of cashing out.

Always use credits before spending cash balance, as credits can't be withdrawn but cash can. Promotional credits are purpose-locked (PRO activation credits only work for PRO activation), while rewards credits and wallet balance are flexible. The most effective strategy is the self-funding loop where PRO profits stay in your wallet as credits to purchase additional Tests, allowing you to scale from 1 PRO account to 5 without spending additional personal money.

Your Next Steps

👉 Check Your Credit Balance in Wallet

👉 Learn How Rewards Program Works

👉 Understand PRO Activation with Credits

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