Percapita's Targeted Email: Earn $25–$50 Monthly on Debit Card Spending

If you have a Percapita Cash Account, you might want to check your inbox. The fintech is quietly offering a select group of existing customers a recurring monthly bonus for debit card spending. It's not publicly available, but if you got the email, it could mean hundreds of dollars over the next year.

What the email actually says

The subject line reads 'You've unlocked even more rewards*' and the message is simple: spend $300 or more on your Percapita Visa Debit Card in a calendar month and get $25. Spend $600 or more and get $50. That's it—no points, no tiers, just cash back into your account.

But here's the catch: this isn't for everyone. It's a targeted offer sent to existing Cash Account holders who already earned six debit spend bonuses during their first year. If you didn't get the email, you're probably not eligible.

The fine print that matters

First, your account needs to stay open and active during the month. That means at least one non-fee transaction—so don't just let it sit there.

Second, not all spending counts. Percapita explicitly excludes ATM withdrawals and anything that looks like cash equivalents. That includes casino chips, lottery tickets, money orders, gift cards, prepaid cards, and check cashing services. Peer-to-peer transfers and account funding transfers are also out. Basically, if it's not a genuine purchase, it won't help you hit the threshold.

• Spend $300+ → $25
• Spend $600+ → $50
• Excluded: ATM withdrawals, cash equivalents, money movement
• Account must be open and active all month
• Payment within 10 business days after month-end

How to make it work for you

If you're eligible, the math is straightforward. Spending $600 per month to get $50 back is an 8.3% return—not bad for a debit card. Even the $300 tier gives you 8.3%. But you have to actually spend that much on things that qualify.

The key is to use your Percapita debit card for everyday purchases you'd make anyway—groceries, gas, bills—and avoid the excluded categories. Also, keep an eye on the calendar. The offer runs through December 31, 2027, so you have plenty of time, but monthly bonuses require monthly spending.

What to watch out for

Percapita can change or cancel this offer at any time, with or without notice. So don't count on it forever. Also, if they suspect you're gaming the system, they'll cut you off and you'll forfeit any unpaid bonuses.

And remember, these payments may be reported to the IRS. If you're earning $50 a month, that's $600 a year—enough to potentially trigger a 1099. Keep track of what you receive.

Bottom Line

• Targeted offer for existing Percapita users who earned six debit spend bonuses in year one
• Earn $25/month for $300+ spend or $50/month for $600+ spend on the Percapita Visa Debit Card
• Excludes ATM withdrawals, cash equivalents, and money movement transactions
• Account must stay open and active each month
• Offer valid through December 31, 2027, but can be revoked anytime
• Incentive payments may be reported to the IRS

Common Questions