For purchases at participating merchants made with your Upgrade Card, after a qualifying purchase has settled, your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file.
For purchases at participating merchants on your Rewards Checking debit card, cash back is credited directly to your checking account. After an eligible transaction has settled, your applicable cash back will typically be credited to your account within 7-14 days but can take up to 90 days depending on the merchant.