About Spruce Cash Back Rewards | Spruce Help Center

All cash back rewards questions

How do I get Cash Back Rewards?

You earn Cash Back Rewards when you pay with your Spruce card at participating merchants. Spruce Rewards are powered by…

I made a qualifying purchase. Where is my Cash Reward?

You should receive your Cash Back Reward the day after your qualified purchase amount is sent to the merchant (sometimes…

Which account do my Cash Back Rewards go to?

Your Cash Back Rewards are automatically deposited into your Extra Savings goal in your savings account. Save your rewards or…

Do I have to select offers to get the Cash Back Rewards?

Nope! Earning cash back has never been easier, it happens automatically when you use your Spruce card at participating retailers.…

What information does the merchant receive about my card or other personal information?

Good question! By getting a Cash Back Reward, merchants don’t receive any additional information about you from your Spruce card,…

How can I see Cash Back Reward offers near me, or at merchants I may like?

Check out all the available Cash Back Reward offers near you in your Spruce app. Log in to Spruce, select…

Spruce Rewards powered by Dosh. Offers vary by user, merchant location and offer period. Check the app for offers. Cash back will be deposited in your Savings Account. See Spruce Rewards powered by Dosh Terms for details.
Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date. Requires $200 in direct deposits over prior 35-day period, not including tax refunds.
No fee to withdraw money at Allpoint^® ATMs. $3 fee at other ATMs, plus any ATM operator fee.
Credit score is FICO^® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO^® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce Spending and Savings accounts, provided by Pathward, N.A., Member FDIC.
Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details.
Does not change IRS refund processing speed. Claim is based on making federal refunds available when payment instruction is received, which may be earlier than scheduled payment date. Depends on timing of the IRS’s payment file. Available only for federal refunds. May be changed or discontinued at any time.