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How do I access my 2% cash back?

Redeem the cash back starting on the anniversary of your account registration date.

  • At that time, you can move the money into your available account balance. Then you can spend it or transfer it into your High-Yield Savings Account to earn interest. Remember, there are no additional fees to use the High-Yield Savings Account.
  • Prior to redeeming your annual cash back, all returns, credits or refunds made by any online or app merchant to the cash back bank account will be deducted from the accumulated cash back balance from the prior year.
  • Your account must be in good standing in order to redeem the accumulated balance. To maintain your account in good standing for the purposes of being eligible to redeem your annual cash back, you must have a positive balance and your account must not be blocked or flagged for fraud or notated for some other reason that makes the account unusable. If the account has a zero or negative balance, you’ll be required to bring the account to a positive balance in order to redeem the cash back.

Refer to your Account Agreement for more information.

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