Goldbridge Spend Card
Rewards Program

Goldbridge may offer cash back to eligible business customers who use eligible Goldbridge Spend Cards. Cash back is a promotional incentive funded by Goldbridge pursuant to the Platform Agreement. It is separate from and in addition to any banking services or products provided by Goldbridge's Financial Service Providers.

This page is a summary of the current Rewards Program. The Platform Agreement and applicable account terms govern eligibility, calculation, reversals, adjustments, and program administration. If there is any conflict, the Platform Agreement controls.

Cash back is calculated each calendar month based on your eligible settled purchase transactions made with your eligible Goldbridge Spend Card(s):

Standard Base Cash Back

• 1.00% cash back on eligible settled purchase transactions

Preferred Merchant Cash Back

From time to time, Goldbridge may offer higher cash back rates at designated merchants or merchant categories. Current preferred merchant offers, if any, will be listed on this page and may be changed at any time.

Current preferred merchant offers:

Examples of merchants or categories that may qualify for higher cash back rates in the future may include home improvement, maintenance, paint, flooring, hardware, or other property operations vendors.

Cash back is generally credited to the business account linked to your Goldbridge Spend Card, or another account designated by Goldbridge. Cash back generally accrues to the business account owner, not to individual users or cardholders.

Goldbridge currently expects to post earned cash back within 10 business days after the end of each calendar month, although timing may vary.

Goldbridge may withhold, reverse, adjust, or decline to pay cash back for transactions that are later refunded, reversed, disputed, fraudulent, or determined to be ineligible.

To earn cash back, you must:

• Have an eligible Goldbridge business account and eligible Goldbridge Spend Card
• Remain in good standing with Goldbridge
• Comply with all applicable program terms, platform terms, and account terms

Goldbridge may withhold, reverse, adjust, offset, recoup, or decline to pay cash back in cases involving refunds, reversals, disputes, fraud, misuse, abuse, prohibited conduct, program violations, delinquency, suspension, or account closure.

Unless Goldbridge states otherwise, cash back is not earned on:

• Returned or refunded purchases
• Reversed or disputed transactions
• Fraudulent or unauthorized transactions
• Card fees or other account fees
• ATM transactions or cash access transactions
• Person-to-person transfers or money movement transactions
• Any transaction category or merchant type designated by Goldbridge as ineligible from time to time

Goldbridge may modify, suspend, or terminate the Rewards Program at any time, including, but not limited to, changes to:

• Cash back rates
• Preferred merchant offers
• Payout timing
• Eligibility criteria
• Excluded transactions
• Program caps or limitations

The current version of the Rewards Program will always be posted on this page.