Get automatic cash back

Make money when you spend money. With Spruce, you don’t even need to opt in. Enjoy automatic cash back rewards when you shop from select retailers you know and love.

map of retailers with cash back map of retailers with cash back map of retailers with cash back

Example retailers illustrated, look in the Spruce app for the latest retailers offered.

Choose from tons of places to shop

With more than 10,000 participating retailers, you can score cash back rewards. Choose from national chains as well as some of your local favorites.



Local options

Grocery stores

Extra dollars add up fast

Simply use your Spruce debit card at select retailers, and your rewards will be automatically deposited into your designated Spruce Extra Saving account. You can even add your Spruce card to the digital wallet on your Apple or Google phone to tap and pay where available.

Turn your purchases into savings

Cash back rewards aren’t just for putting money back in your pocket. Those extra dollars can go towards your saving goals or emergency fund. What will you accomplish with a little extra cash?

Cash Back Rewards FAQs

Get Spruce Cash Back Rewards when using your Spruce debit card for everyday purchases at select retailers — often at places you already visit.

Good question! By getting a Cash Back Reward, merchants don’t receive any additional information about you from your Spruce debit card, only that you used your card to pay for your purchase. All of Spruce Cash Back Rewards are aggregated to the merchant for payment, so the merchant doesn’t receive individual information. See Spruce Rewards powered by Dosh Terms for details.

Nope! Earning cash back has never been easier. It happens automatically when you use your Spruce card at participating retailers. There’s no need to remember to select an offer before you spend.

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Apple and the Apple Logo are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Message and data rates may apply.