How It Works

Your cards. Your rewards.

Signing up couldn't be easier, and you could be earning rewards in just a few minutes through the online mall. No matter if your goal is to pay bills, add to your nest egg, save for a rainy day, or give back to the community, you're in charge of where your rewards go.

Cash back?
Yes please.

Earning rewards is as simple as 1-2-3. Just join, shop and earn.






Shop online or link the credit and debit cards you already own to shop at thousands of participating stores and restaurants. Get closer to your goals.

You don't need to remember a membership number or carry yet another rewards tag. Just link your Visa, MasterCard, and American Express cards to our secure network and we'll do the heavy lifting.

Once you're connected, tell us what you want your rewards to pay. Just about every type of bill or payee is eligible — if you can pay it, we can pay it. These are just a few of the places you can send your rewards:

Take charge of your bills.

Pay off debts like car loans, credit cards, student debt, or even monthly utilities.

Squeeze more into your savings.

Take charge of your financial future by contributing to vehicles like 529 plans, HSAs, and retirement accounts.

Make the world a better place.

Support charities, the arts, religious institutions, or nonprofits. Enrich the lives of others.

Once you've linked your cards and your payment account, you're set. That's it.




We have partnered with thousands of merchants and your favorite brands to make earning rewards as easy as possible. And we're constantly adding to our roster, bringing you the easiest way to earn cash back on your everyday purchases.

Online Offers

Earn cash back at stores you already know and love through the online mall.

Walmart Macys Orbitz Walgreens

We know you're always looking for the best deals. And because we love scoring the best deals too, we've made sure to feature some of our best rewards offers through our online mall. Just complete your transaction through the online mall to keep those rewards rolling in.

In-Store Offers

Link your credit or debit cards, activate your offers, and enjoy in-store rewards.

Home Depot CVS Kohls Office Depot

When you use your linked card at any of the in-store merchants in our network, you'll automatically earn rewards — at an average of 5%. Just shop as you normally would and watch the rewards roll in.

Restaurant Offers

National chains. Local favorites. Dining out has never been this beneficial.

Panera Papa Johns Starbucks P.F. Changs

There are tens of thousands of restaurants in our network, ranging from top national chains to the diner down the street. With an average of 10% cash back when you use your linked cards at a participating location, eating out can supercharge your earnings. Give your taste buds — and your wallet — a treat.



Every month, we automatically send your earnings to your selected payment account once you reach $20 in rewards.

When you shop through our online mall or with your linked cards at participating store and restaurants, you're continually earning cash back. We will send your earnings to your registered payment account at the end of each month if you have a $20 balance on the 15th of that month. Not yet to $20? Don't worry. Your earnings never expire.

Ready to join Payce? Join now.