You can get cash back by making eligible purchases at participating merchants.
- If you have an 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. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments.
- If you have a Rewards Checking debit card, your applicable cash back will generally be credited to your Rewards Checking or Rewards Checking Plus account within 7-14 days but can take up to 90 days depending on the merchant.