Relay cash-back rewards is a program where Relay rewards its customers when they spend their monthly payouts by paying a percentage of that purchase amount back to the Relay customer. For example, if you spend $100 of your payouts, and your cash-back earn rate that month is 3%, then Relay will reward you with $3 cash-back.
Most cash-back rewards programs earn between 1%-2%. Some programs have promotional earn rates and others give back a little bit more when individuals spend within specific categories, like gas or groceries. With Relay, the lowest cash-back earn rate we offer is 3% (that’s 3% cash-back in the first year of a 3-year Relay plan). And the highest cash-back earn rate we offer is 13% (that’s 13% cash-back in the seventh year of a 7-year Relay plan).
Relay customers can earn cash-back on all purchases, except when you enter a PIN or make an ACH transfer. Relay Cards can be used everywhere Visa debit cards are accepted, and rewards are paid on qualifying transactions regardless of the category, merchant, or time of the year in which you decide to spend your monthly payouts.