The Offer
No direct link to offer, sent out via e-mail. Subject line is ‘You’ve unlocked even more rewards*’
- Fintech Percapita is offering some existing users $25-$30 per month:
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- Spend $300 or more in qualifying purchases using your Percapita Visa® Debit Card and receive $25.
- Spend $600 or more in qualifying purchases using your Percapita Visa® Debit Card and receive $50.
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The Fine Print
- Existing Percapita Cash Account holders who have earned six (6) debit spend incentive bonuses during their first 12 months with Percapita are eligible to earn a twenty-five-dollar ($25) incentive payment for each calendar month in which they spend three hundred dollars ($300) or more using their Percapita Visa® Debit Card during their second year after their Cash Account opening.
- They are also eligible to earn an additional twenty-five-dollar ($25) incentive payment for each calendar month in which they spend six hundred dollars ($600) or more using their Percapita Visa Debit Card.
- For purposes of this offer, using your Percapita Visa Debit Card for cash withdrawals at an ATM, cash substitutes (e.g., sports betting, casino chips, money orders, gift cards, prepaid cards, check cashing services) or for money movement (e.g., peer-to-peer transfers or account funding transfers) will not be considered spending or a purchase, and, therefore, will not contribute toward the three hundred dollar ($300) or six hundred dollar ($600) qualifying requirements.
- To qualify for a monthly incentive payment the Cash Account must remain open and active throughout the applicable incentive month (which means that the account has been open and has had at least one monetary (non-fee) transaction during the applicable incentive month. If the above eligibility criteria are met, the $25 incentive payment(s) will be credited to the customer’s Cash Account within ten (10) business days of the applicable incentive month-end
- . This promotion is valid from September 16, 2026, through December 31, 2027. Percapita reserves the right to revoke or modify this offer at any time, with or without notice.
- If it is determined that a customer has engaged in or plans to engage in abuse or gaming in connection with this offer, that customer will be prohibited from further participation in the offer and will forfeit all rights to any incentive payments.
- Percapita may report to the IRS the value of any incentive payment made, and any applicable taxes are the responsibility of the recipient.
- Incentive payments are offered and paid by Percapita and not by Sutton Bank.
Our Verdict
Similar to the offer for new customers that is $25 per month when you spend $300+. Makes that offer even better but no guarantee this existing user offer will still be available if you signed up now.


