Questions? We have answers.

What are my cash-back earn rates?

Your cash-back earn rate schedule is determined by the specific Planned-Spend Account you choose at enrollment. We offer plans that range from 3 to 7 years in duration. Your specific cash-back earn rate schedule will be documented and provided to you when you open the account.

For example, if you choose a Relay plan with a 3-year term, you will have the following cash-back earn rates when you spend your monthly payouts on all purchases (except when you enter a PIN or make an ACH transfer):

  • 3% for the first year
  • 4% for the second year
  • 5% for the third year

And, if you choose a Relay plan with a 7-year term, you will have the following cash-back earn rates when you spend your monthly payouts on all purchases (except when you enter a PIN or make an ACH transfer):

  • 7% for the first year
  • 8% for the second year
  • 9% for the third year
  • 10% for the fourth year
  • 11% for the fifth year
  • 12% for the sixth year
  • 13% for the seventh year

To see how cash-back rates change with a given Planned-Spend Account term, check out our Plan Builder here.

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