Cash Back Rewards Terms

These Cash Back Rewards Terms (“Cash Back Rewards Terms”) apply to your participation in EarnIn’s merchant-specific Cash back rewards program (the “Cash Back Rewards Program”) and are in addition to any other agreements you may have with EarnIn, including the EarnIn General Terms and Conditions as well as the agreement you have with Evolve Bank, specifically the Tip Yourself Agreement (collectively, the “Terms”). These Cash Back Rewards Terms and the category-specific merchant terms (defined below) apply to the cash back offers available from participating merchants (“Merchant”) (each offer a “Merchant Offer”, or collectively, the “Merchant Offers”) available via the EarnIn mobile app (“EarnIn App”). The category-specific merchant terms may include additional restrictions associated with the Merchant Offer and should be reviewed in with these Cash Back Reward Terms. By participating in the Cash Back Rewards Program, you agree to be bound by these Cash Back Rewards Terms and any applicable category-specific terms, which are incorporated by reference and may be updated from time to time. These Cash Back Reward Terms only apply to cash rewards available to you under the Cash Back Rewards Program and no other cash back rewards that may be available to you via the EarnIn App.

To be eligible for the Cash Back Rewards Program, you must be at least eighteen (18) years old, agree to the Upside Upside Terms and Conditions (including the Upside Upside Privacy Policy), link a debit card to your EarnIn account (“Linked Debit Card”), and have an active Tip Yourself (“TYS”) account (the “Eligibility Requirements”). While you’re free to start claiming and begin accruing rewards without a TYS account, you will not earn your cash reward and won’t be able to transfer your cash rewards to your linked bank account if you have not satisfied all Eligibility Requirements. 

Additionally, you do not acquire property or any other rights in any accrued rewards until you meet all Eligibility Requirements including opening a TYS account.

​​If you elect to open a banking product (i.e. a Tip Yourself account) through any of our banking partners (i.e. Evolve Bank & Trust (“Evolve”)), additional eligibility criteria may apply, which will be disclosed to you prior to opening your applicable bank account.

The Merchant Offers available in the EarnIn App are sourced and provided by our third party service provider, Upside Services, Inc. (“Upside”).  The Merchant Offers are subject to your acceptance of the Upside terms of service Upside Terms and Conditions and Upside privacy policy Upside Privacy Policy. In addition, each Merchant Offer will include its own set of terms and conditions, referred to in these Cash Back Rewards Terms as the “category-specific merchant terms,” which provide more information (and any applicable restrictions) on the details of that Merchant Offer available via the EarnIn App.

The terms governing Merchant Offers are determined and provided by Upside (as seen in the EarnIn App), and cash back is provided by EarnIn according to those terms. EarnIn may validate your purchase of products or services associated with a Merchant Offer using retailer or transaction data, receipt data using unique identifiers such as card number or phone number, or your location as permitted in your device settings. If EarnIn or Upside is not able to validate a purchase within 10 days, if you return, modify, or cancel a purchase, or if the transaction is determined to be fraudulent, there is no obligation to provide any cash back reward for that purchase, and any previously provided cash back reward may be revoked for that purchase.

You agree to receive notice by email, in-app banner, or push notification of Merchant Offers available in the EarnIn App. 

Please refer to the category-specific merchant terms available in the EarnIn App for full details. To earn cash back rewards, you must make your purchase of products or services associated with Merchant Offers with your Linked Debit Card. While EarnIn has no specific cap on the amount of cash back rewards that a Cash Back Rewards program participant may earn by participating in the Merchant Offers available in the EarnIn App, there may be exclusions and/or caps on qualifying purchases per Merchant Offers. There may be restrictions on the number of Merchant Offers that you may activate at any one time. Please refer to the instructions and detail screens available in the EarnIn App for more details.

 If you cancel a Merchant Offer after activation, but you make an otherwise eligible purchase, you will not receive the applicable cash back.

To keep your cash rewards from expiring, you must satisfy all Eligibility Requirements within sixty (60) calendar days of the date your most recent cash reward was accrued. 

Each time you accrue a new cash reward, the 60-day expiration window resets for all previously accrued cash rewards. This means that your entire accrued cash reward balance will remain active as long as you accrued at least one new reward within any 60-day period or you satisfied all Eligibility Requirements.

If you do not accrue a new reward or satisfy all Eligibility Requirements within any 60-day period, all accumulated rewards will expire and be forfeited. Once you open a TYS account and satisfy all other Eligibility Requirements, your accrued cash rewards will no longer expire.

If you accrue a cash reward on June 1, but don’t open a TYS account or accrue another reward by July 31, your cash reward will expire. However, if you accrue another reward on June 15, the 60-day expiration clock resets. Now, both your June 1 and June 15 rewards will remain active until August 14, or you satisfy all Eligibility Requirements by then.

Once you’ve satisfied all Eligibility Requirements, any eligible cash rewards will be credited into your Tip Yourself account and available for transfer typically within 2 to 4 business days (by 5 p.m. ET), but may take up to 10 days after the day you earned the reward.

EarnIn reserves the right to limit, suspend, or terminate your participation in the Cash Back Rewards Program at any time, and to cancel or void any unredeemed or pending rewards if, in our sole discretion, we determine that you’ve violated the Terms or as a result of canceled transactions, fraudulent transactions, refunds or other credits from merchants. All determinations made by EarnIn regarding your participation in the Cash Back Rewards Program will be considered final and binding. If EarnIn determines that an adjustment is required due to violation of the Terms or a canceled transaction, fraudulent transaction, refund or other credit from the merchant, the previously awarded cash back will be deducted from your TYS account. Adjustments may cause a negative balance in your TYS account if that the amount in your TYS account is less than the amount of the required adjustment. If an adjustment is made, it will be shown in the EarnIn app as a negative cash back rewards amount. Please refer to your  TYS terms for information on how a negative balance in your TYS account is addressed.

Availability of the Cash Back Rewards Program may be changed at any time and for any reason. We may modify, suspend, or end the Cash Back Rewards Program at any time, with or without notice. This includes changes to reward types, eligibility, earning limits, and frequency. We may correct errors or revoke rewards granted by mistake or without meeting the Terms. Unless stated otherwise, changes apply to all rewards—past, present, and future. Rewards are only valid once all requirements are met and Terms are followed. 

EarnIn is not responsible for your relationship with Upside including but not limited to any errors, omissions, or issues related to the Upside platform or its content.

Participation in the Cash Back Rewards Program does not establish an employment relationship between the participant and EarnIn.

If you receive more than $599.99 in rewards in a calendar year from EarnIn across any of our cash rewards programs, other rewards, promotions, marketing compensation, credit balance forgiveness, or other programs, we’re required to report it to the IRS and provide you with the applicable form. Please consult a tax advisor if you have questions about how this might affect your taxes.

Participation in the Merchant Offers available in the EarnIn App is subject to these Cash Back Rewards Terms and is subject to the Dispute Resolution by Binding Arbitration provisions of the Terms, and those specific sections of that agreement are incorporated into these Terms by reference. Merchant Offers are sourced by Upside. To the extent that you have a dispute with Upside, please refer to their terms of service Upside Terms and Conditions.

Learn more about Tip Yourself here and review full program details in our FAQ and Terms of Service.

Learn more about Cash Back Rewards in our FAQ.