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Relay Visa® Credit Card Visa® Signature Card Rewards Program Terms & Conditions

Program and Eligibility


In connection with a Relay Account, Relay offers Users the ability to earn Cash back (as defined below) for certain actions, activities, or transactions related to your Relay Visa® Credit Card (collectively, the “Rewards Program”). Existing Users will be given the opportunity to earn cash back through the Rewards Program. For new Users, the Program begins upon the opening of your Relay Visa® Credit Card. Relay Visa® Credit Card holders must meet the monthly minimum spending/purchase in their account to be able to earn cash back rewards.

Cards must be in good standing—full statement balance paid back at the end of each billing cycle—and active (not frozen) to receive cash back payments.

Relay reserves the right to disqualify any User from participation in the Rewards Program, suspend your participation in the Rewards Program and/or freeze any accrual or redemption of cash back rewards if we suspect fraudulent activity in your Relay Account or any behavior that violates these Terms.

Earning Cash Back Rewards


By completing certain actions, performing activities, or conducting transactions at eligible merchants, users may receive Cash Back Rewards. Currently, all Relay Visa® Credit Card holders earn cash back everywhere they use their card. Certain limits apply, and we may adjust the rates and categories from time to time. Cash Back Rewards will be earned only for purchases of eligible goods or services made with your Relay Visa® Credit Card at merchants within a spending category (less credits, returns, and adjustments) (“Qualifying Purchases”). Categories might be adjusted afterwards by Relay if needed.

Relay may add to or expand the available categories for which you will receive Cashback Rewards at any time with or without notice to you.

Please note: In all instances, merchant eligibility for category spending is determined by the card network merchant category codes. Relay is not responsible for determining the eligibility or merchant code of any merchant.

Qualifying Purchases do not include: cash advances, balance transfers, convenience checks, payments made for stored value cards such as gift cards and similar cards, wire transfers, money transfers, travelers checks and similar products that may be converted to cash, such as money orders and certified checks charged to your Relay Account, all incidental charges and fees charged by us (for example: voluntary payment protection costs, finance charges, returned check fees, service charges, over-limit fees, and ATM fees), or purchases made when your Relay Account is not in Good Standing. Qualifying Purchases also do not include purchases or transactions made through Cash App, PayPal, Google Pay, Apple Cash, Venmo, Step, and Facebook Pay. You will not receive Cash Back Rewards if your Account is flagged as suspended, lost/stolen, over-limit, past due, voluntarily closed, revoked, or otherwise not in good standing with Relay or the Bank. The Relay Visa® Credit Card charges that are in dispute and/or purchases made in violation of law or the terms governing your Relay Visa® Credit Card will not earn Cash Back Rewards.

Relay reserves the right, in its sole discretion, to determine whether a particular transaction is a Qualifying Purchase or to exclude other merchants, merchant spending categories, or transactions from the definition of Qualifying Purchases.

For the returns Any time your Relay Visa® Credit Card gets refunded, the cash back rewards you earned on the original purchase will be subtracted from your rewards balance. You should see your rewards disappear once your refund is processed onto your Relay Visa® Credit Card.

Receiving Cash Back Rewards


In order to receive cash back rewards, users must spend on a Relay Visa® Credit card. 1.5% cash back will be applied to eligible purchases made within a 30-day billing cycle.

Monthly cash back rewards will be automatically deposited into your business' Relay primary checking account (by default, the same Relay account used to pay off your credit card balance at month end). Funds will be deposited within 30 days of the end of the billing cycle, as long as you have paid off your last bill in full. Users can change their preferred checking account for cash back payments in their settings.

Program Terms


We reserve the right to suspend or terminate the features of the Rewards Program at any time. Our decisions regarding such suspension or termination are final. If Relay terminates the Rewards Program, you will receive your qualifying cash back rewards on the following billing cycle. Any purchases made after the termination date will not receive cash back rewards. We may, from time to time and at any time in our sole discretion, amend, change, or limit any of the terms and conditions of the Rewards Program. Such changes are effective to all Users. Changes may include, but are not limited to, the Cash Back Rewards qualification and cash back percentages earned, the type of actions and transactions which qualify for rewards, the rate of rewards accrual, the availability of the Rewards Program, the Rewards Program offerings, the imposition of an annual membership fee or the increase of any fees associated with the Rewards Program. Your continued receipt of Cash Back rewards does not give you any vested rights and you may not rely upon the continued availability of Cash Back rewards. We will post any such changes in the Relay Visa® Credit Card Cardholder Agreement, and it is your responsibility to review these Terms for any such changes.

Privacy Policy and Terms of Service


Any and all personal information is and will be subject to our Privacy Notice and Terms of Services, available at https://relayfi.com/privacy, and https://relayfi.com/terms

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What is Relay

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Relay Financial Technologies, Inc. © 2025

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Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank2, Member FDIC. The Relay Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. The Relay Visa Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may be used everywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.

1 The interest rates and annual percentage yield on your account are accurate as of 04/29/2025 and are variable and subject to change based on the target range of the Federal Funds rate.

For customers with accounts opened on or after 4/29/25 or existing customers that have been migrated to Relay’s subscription plans, APY will vary between 1.03% and 3.03% depending on the subscription plan you are subscribed to:

  • When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 1.02% with an APY of 1.03%.
  • When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.73% with an APY of 1.75%.
  • When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.99% with an APY of 3.03%.

2 Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions.

*Terms and conditions apply to the cash back rewards program. Monthly cash back rewards will be automatically deposited into your Relay checking account within 30 days of the end of the credit card billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa® Credit Card are not eligible for cash back. Please refer to the Visa® Signature Rewards Program Terms & Conditions for more details.

**Relay is not affiliated with SoFi, or OnDeck, and Relay’s privacy and security policies may differ from SoFi’s, and OnDeck's, privacy and security policies. Relay will be paid a fee from SoFi, and OnDeck if you obtain a product through either of these links. All rates, terms, and conditions vary by provider. Approval for a loan is not guaranteed.

Payment services (non banking/checking accounts or services) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: The Steward Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.

3 Please note that funds relating to Currencycloud's services are not FDIC insured or protected by the Visa Zero liability protection policy. In regards to Currencycloud's services when funds are posted to your account, e-money is issued in exchange for these funds, by an Electronic Money Institution who we work with, called Currencycloud. In line with regulatory requirements, Currencycloud safeguards your funds. This means that the money behind the balance you see in your account is held at a reputable bank, and most importantly, is protected for you in the event of Currencycloud’s, or our, insolvency. Currencycloud stops safeguarding your funds when the money has been paid out of your account to your beneficiary’s account.

All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.