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Holding cash in low yield accounts? Move some cash into Relay Planned-Spend Account and
you can earn 3-7% cash-back. Currently available in IL, IN, MA, and NJ.

Open a Relay account with money you know you're going to spend anyway, and earn 3-7% cashback!

Relay is a new personal finance product that combines an immediate annuity called a Planned-Spend Account with a Relay Visa® Prepaid Card to allow you to access incredible cash-back rewards. How?

Open a Relay Planned-Spend Account with a one-time lump sum in about 10 minutes online.

Planned-Spend Account payments are made to your Relay Card each month. Spend your payouts everywhere Visa® debit cards are accepted and earn incredible cash-back rewards on all purchases, except when you enter a PIN or make an ACH transfer. No category restrictions, no blackout dates, and no annual fees apply. Track spend on your card, and earn rewards when you spend payouts. Spend your full payouts every month, save a few payouts for a larger purchase, use it for recurring expenses - you decide.

Depending on the Relay Plan you chose, you will earn between 3-7% cash-back each year you're with Relay.

By downloading and using Relay, you agree to our current Terms & Conditions (https://relayrewards.com/terms) and Privacy Policy (https://relayrewards.com/privacy). See all our other legal disclosures at https://relayrewards.com/legal.

What’s New

Version 2.2.20

Bug fixes and maintenance update.

App Privacy

The developer, Urban FT, Inc., has not provided details about its privacy practices and handling of data to Apple. For more information, see the developer’s privacy policy.

No Details Provided

The developer will be required to provide privacy details when they submit their next app update.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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