Managing your Relay Visa® Credit Card account

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Articles in Managing your Relay Visa® Credit Card account

How to Pay Your Relay Visa® Credit Card BalanceYou can pay your Relay Visa® Credit Card balance from any Relay checking account or a linked external account, either automatically at billing cycle end…UpdatedAugust 11, 2026
How to Earn Cash Back on Your Relay Visa® Credit CardThe Relay Visa® Credit Card earns up to 1.5% cash back on eligible purchases, deposited monthly into your primary payment account after your credit…UpdatedAugust 11, 2026
How to Change Your Primary or Backup Payment Account for the Relay Visa® Credit CardYou can change your Relay Visa® Credit Card primary or backup payment account from the Accounts tab in your Relay dashboard or mobile app in about a…UpdatedAugust 11, 2026
What to Do if Your Relay Visa® Credit Card Auto-Payment FailsIf your Relay Visa® Credit Card auto-payment fails, you have 5 days to make a manual payment for the full outstanding balance before late fees and…UpdatedAugust 11, 2026
What Happens if You Pay Your Relay Visa® Credit Card Late?Your Relay Visa® Credit Card charges a 3% monthly late fee and locks your card if your balance isn't paid in full within the 5-day grace period.UpdatedAugust 11, 2026
How to Download Statements for Your Relay Visa® Credit Card AccountYou can download Relay Visa® Credit Card statements as PDFs from the Accounts tab, on the web or in the Relay mobile app, once a billing cycle has closed.UpdatedAugust 11, 2026
How to View Your Relay Visa® Credit Card Cash BackView your Relay Visa® Credit Card cash back in two places: your credit account page during the billing cycle, and the checking account where deposits land…UpdatedAugust 11, 2026
How to Give Your Team Members Access to Your Credit AccountAdd team members to your Relay Visa® Credit Card account from the web or the Relay mobile app in under a minute. Access follows their assigned permission…UpdatedAugust 11, 2026
How to Close Your Relay Visa® Credit Card AccountYou can close your Relay Visa® Credit Card account from the desktop version of Relay once the balance is $0 and no charges are pending.UpdatedAugust 11, 2026
How to Integrate the Relay Visa® Credit Card With XeroConnect your Relay Visa® Credit Card account to Xero Bank Feeds in about two minutes so settled transactions flow into your books automatically.UpdatedAugust 11, 2026
How to Integrate the Relay Visa® Credit Card With QuickBooksYou can connect your Relay Visa® Credit Card to QuickBooks Online in about three minutes to sync settled transactions into your books automatically.UpdatedAugust 11, 2026

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Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Certain conditions must be satisfied for pass-through FDIC insurance to apply.²

1. For Relay Subscription Plans with an interest-bearing deposit account, the interest rate and Annual Percentage Yield on your account are accurate as of 5/1/2026 and are variable and subject to change based on the target range of the Federal Funds rate. Fees may reduce earnings:

When you are subscribed to the Starter Plan, the interest rate on your savings accounts is 1.10% with an APY of 1.11%.
When you are subscribed to the Grow Plan, the interest rate on your savings accounts is 1.74% with an APY of 1.75%.
When you are subscribed to the Scale Plan, the interest rate on your savings accounts is 2.96% with an APY of 3.00%.

2. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

3. The Relay Visa^® Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted. Please refer to the Relay Visa^® Debit Card Cardholder Agreement for more details.

4. The Relay Visa^® Credit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc and may be used anywhere Visa credit cards are accepted. Please refer to the Relay Visa^® Credit Card Cardholder Agreement for more details.

*Terms and conditions apply to the cash back rewards program. Monthly cash back rewards will be automatically deposited into your Relay checking account within 30 days of the end of the credit card billing cycle. ATM transactions, the purchase of money orders or cash equivalents made with your Relay Visa® Credit Card⁴ are not eligible for cash back. Please refer to the Visa® Signature Rewards Program Terms & Conditions for more details.

**Relay is not affiliated with SoFi, or OnDeck, and Relay's privacy and security policies may differ from SoFi's, and OnDeck's, privacy and security policies. Relay will be paid a fee from SoFi, and OnDeck if you obtain a product through either of these links. All rates, terms, and conditions vary by provider. Approval for a loan is not guaranteed.

5. International payment services are provided by Community Federal Savings Bank (“CFSB”), a federal savings bank chartered in the United States. These services are facilitated by Nium, Inc., which operates under a program sponsored by CFSB. Relay provides access to these payment services through its platform.

6. All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.