How does the Earnin Cash Back Rewards program work?

Earnin Cash Back Rewards helps you earn cash back on the everyday purchases you already make at eligible merchants. Unlike coupon or discount programs, Earnin Cash Back Rewards applies cash back to your entire purchase.

Check out how the program works:

#1: Enroll an eligible debit or credit card

  • Earnin Cash Back Rewards works with MasterCard and American Express debit and credit cards (Visa coming soon!!!). Yes, you can earn rewards while spending on your debit card by running your debit card as credit at checkout! (Note: we can only support debit transactions run as credit at this time.) 

#2: Browse Offers at participating stores

  • Open the Earnin app
  • Tap on the “Cash Back Rewards” superpower
  • You can browse Offers under the “Offers” tab. Each participating store shows the cash back percentage, store location, store phone number, and store website.

#3: Make a purchase using your enrolled card at a participating store

  • Simply swipe your enrolled card (or use a chip reader, after all it is 2019!) Please note, that only credit transactions will earn rewards. If you are using your debit card, run the transaction as credit to successfully earn the reward. When running the transaction as credit, you will be prompted to sign for the purchase instead of entering your PIN at checkout.

#4: Cash Back Rewards are applied

  • Your Earnin Cash Back Rewards will appear in your Earnin account after the purchase clears. You'll receive a push or email notification right after your purchase confirming the transaction, and the Cash Back Rewards will be available to redeem within a few days. 

#5: Redeem your Cash Back Rewards to the checking account linked to your Earnin account.

  • When you want to redeem your Cash Back Rewards:
    • Go to the “Cash Back Rewards” section of the Earnin app
    • Tap “Redeem Rewards”. 

After confirming, your Cash Back Rewards will be sent to the checking account you linked to your Earnin account when you first signed up for the app.

It’s that easy!

Note: While you may have multiple debit and/or credit cards linked to Earnin Cash Back Rewards, you can only link one primary checking account. All rewards will move to this checking account once redeemed.

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