All About Stock-Back® Rewards
Want to make your money work harder for you? The Stash Stock-Back® Debit Mastercard® allows you to invest while you spend.1 Read on to find out the details of this benefit, offered exclusively by Stash.
How does Stock-Back® work?
To earn Stock-Back® Rewards, you must have an open Personal Brokerage portfolio, an open Stash banking account, and an active Stock-Back® Card.1 Then, all you need to do to earn rewards is make purchases with your Stock-Back® Card. We’ll give you Stock-Back® Rewards on every eligible purchase.2
What stocks will I earn with Stock-Back®?
With every purchase you make with the Stash Stock-Back® Debit Mastercard1 you can earn Stock-Back® Rewards.2 When you use your Stock-Back® Card at a merchant that is on our platform, we’ll reward you with stock in that company. If the merchant does not have stock on Stash, we’ll reward you with a stock or ETF of your choice.
Follow these steps to change your default Stock-Back® reward:
- Login to the Stash app.
- Tap Bank at the bottom of the screen.
- Tap your card image.
- Tap Change next to your current stock reward.
- Select your new stock or ETF from the list, then tap the blue Choose button.
How do I change my Stock-Back® Reward?
You can change your Stock-Back® Reward at any time directly in the Stash app.
Follow these steps to update your Stock-Back® Reward:
- Login to the Stash app.
- Tap Bank at the bottom of the screen.
- Tap Stock rewards.
- Scroll to the bottom of the screen and tap Change your custom stock reward.
- Select your custom stock reward, then tap the Choose button at the bottom of the screen.
How much stock will I earn with Stock-Back®?
- Stash Growth customers will earn 0.125% back, with up to 2% back on select streaming services.
- Stash Plus customers will earn up to 1% back, with up to 3% back on select streaming services on the first $1,000 spent.
- If you spend over $1,000, you’ll earn 0.125% Stock-Back rewards.3
For the full details, see the Stock-Back® Terms and Conditions.
What purchases qualify for Stock-Back® Rewards?
For the most part, your regular purchases—including gas, groceries, and dining—will qualify for Stock-Back® Rewards. Non-qualifying purchases include ATM withdrawals, gift or prepaid cards, and money orders.
For a full list and more details, see the Stock-Back® Terms and Conditions.
How will I know if I’ve earned Stock-Back®?
We’ll send you a push notification to let you know when you earn Stock-Back® Rewards. You’ll get the notification shortly after your purchase—usually immediately, but it can sometimes take up to a few hours.
You can also check your Stock-Back® rewards in your Stash account:
- Login to your Stash account.
- Go to the Bank tab.
- Tap Stock rewards. Here you can view your total rewards and your stocks earned.
When will I see my Stock-Back® Reward in my portfolio?
It can take up to four business days for the Stock-Back® Reward to be added to your Personal Brokerage portfolio. Business days are Monday-Friday, excluding weekends and market holidays.
Don’t see your reward after four business days? Please call us at (800) 205-5164 from 8:00 a.m.-8:00 p.m. ET Monday-Friday, and from 10:00 a.m.-6:30 p.m. ET Saturday and Sunday, or email us at email@example.com.
Can I opt out of Stock-Back® Rewards?
You can opt out of Stock-Back® Rewards, but you’ll need to contact us. Please send an email to firstname.lastname@example.org and you’ll be removed from the program within three business days.
1 Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Any earned stock rewards will be held in your Stash Invest account. Investment products and services provided by Stash Investments LLC, not Stride Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. In order for a user to be eligible for a Stash banking account, they must also have opened a taxable brokerage account on Stash.
2 All rewards earned through use of the Stash Stock-Back® Debit Mastercard® will be fulfilled by Stash Investments LLC. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. In order to earn stock in the program, the Stash Stock-Back® Debit Mastercard must be used to make a qualifying purchase. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. If you make a qualifying purchase at a merchant that is not publicly traded or otherwise available on Stash, you will receive a stock reward in an ETF or other investment of your choice from a list of companies available on Stash. 1% Stock-Back® rewards available only on Stash+ ($9/mo) and only for client’s first $1,000 of Qualifying Purchases in each calendar month program. See Terms and Conditions for details. Stock rewards that are paid to participating customers via the Stash Stock Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Stash reserves the right to amend this program and the terms and conditions thereof and/or cancel this program at any time, for any reason, upon notice to you. See Terms and Conditions for more details. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. If you make a qualifying purchase at a merchant that is not publicly traded or otherwise available on Stash, you will receive a stock reward in an ETF or other investment of your choice from a list of companies available on Stash. See Terms and Conditions for more details.
3 1% Stock-Back® rewards available only on Stash+ ($9/mo) and only for client’s first $1,000 of Qualifying Purchases in each calendar month program. See Terms and Conditions for details.
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