All About Stock-Back® Rewards

By: Team Stash
Published: Nov 04, 2025
•  Updated: Jun 18, 2026

All About Stock-Back® Rewards 1

Want to make your money work harder for you? The Stash Stock-Back® Debit Mastercard® allows you to invest while you spend. Read on to find out the details of this benefit, offered exclusively by Stash.

How does Stock-Back® work?

To earn Stock-Back® Rewards, you must have an open Personal Brokerage portfolio, an open Stash banking account, and an active Stock-Back® Card. Then, all you need to do to earn rewards is make purchases with your Stock-Back® Card. We’ll give you Stock-Back® Rewards on every eligible purchase.

What stocks will I earn with Stock-Back®?

With every purchase you make with the Stash Stock-Back® Debit Mastercard you can earn Stock-Back® Rewards. When you use your Stock-Back® Card at a merchant that is on our platform, we’ll reward you with stock in that company. If the merchant does not have stock on Stash, we’ll reward you with a stock or ETF of your choice.

How do I change my Stock-Back® Reward?

You can change your Stock-Back® Reward at any time directly in the Stash app.

Follow these steps to update your Stock-Back® Reward:

• Login to the Stash app.
• Tap My Stash at the bottom of the screen.
• Tap Banking.
• Tap “Your Stock Back Card Benefits”
• Scroll to the bottom of the screen and tap Change your custom stock reward.
• Select your custom stock reward, then tap the Choose button at the bottom of the screen.

How much stock will I earn with Stock-Back®?

• Stash customers will earn 0.125% back, with up to 2% back on select streaming services and up to 3% back on utility payments.
• Stash customers will earn up to 1% back, with up to 3% back on select streaming services and up to 5% back on utility payments.
• Once you have earned the maximum aggregate cash value in any month, you’ll earn 0.125% Stock-Back rewards on all other purchases.

For the full details, see the Stock-Back® Terms and Conditions.

What purchases qualify for Stock-Back® Rewards?

For the most part, your regular purchases—including gas, utilities, groceries, and dining—will qualify for Stock-Back® Rewards. Non-qualifying purchases include ATM withdrawals, gift or prepaid cards, and money orders.

For a full list and more details, see the Stock-Back® Terms and Conditions.

How will I know if I’ve earned Stock-Back®?

We’ll send you a push notification to let you know when you earn Stock-Back® Rewards. You’ll get the notification shortly after your purchase—usually immediately, but it can sometimes take up to a few hours.

You can also check your Stock-Back® rewards in your Stash account:

• Login to your Stash account.
• Tap Earn Rewards at the top of your screen.
• Tap Stock-Back® Rewards. Here you can view your total rewards and your stocks earned.

When will I see my Stock-Back® Reward in my portfolio?

It can take up to 10 business days for the Stock-Back® Reward to be added to your Personal Brokerage portfolio after you earn it. Business days are Monday-Friday, excluding weekends and market holidays.

Don’t see your reward 10 business days after earning it? Please give us a call at 800-205-5164 from 8:00 a.m.-8:00 p.m. EST Monday-Friday, or email us at support@stash.com.

Can I opt out of Stock-Back® Rewards?

You can opt out of Stock-Back® Rewards, but you’ll need to contact us. Please send an email to stockbackoptout@stash.com and you’ll be removed from the program within three business days.