Managing your Relay Visa® Credit Card account

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Articles in Managing your Relay Visa® Credit Card account

Paying your Relay Visa® Credit Card balanceYour Relay Visa® Credit Card balance will be automatically paid from your primary payment account at the end of your 30-day billing cycle. However, if you…UpdatedMay 1, 2026
Earning cash back on your Relay Visa® Credit CardThe Relay Visa® Credit Card offers up to 1.5% cash back 1 on all credit card purchases, putting a little cash back into your business. Important: The…UpdatedApril 27, 2026
Relay Visa® Credit Card: Changing your primary or backup payment accountAt the end of your 30-day billing cycle, the auto-payment for your credit card will be pulled from your primary payment account. You can change this…UpdatedMarch 20, 2025
What to do if your Relay Visa® Credit Card auto-payment failsYour Relay Visa® Credit Card balance will be automatically paid from your primary payment account at the end of your 30-day billing cycle. If the payment…UpdatedApril 30, 2026
Late payment fees and penaltiesThe Relay Visa® Credit Card requires all customers to pay back their balance, in full, at the end of each 30-day billing cycle. Relay will automatically…UpdatedApril 30, 2026
Downloading statements for your credit accountYou can download statements for your credit account for individual billing cycles or in bulk. Read on to learn more. Important: The Relay Visa® Credit…UpdatedSeptember 27, 2024
Viewing how much cash back you’ve earnedThe Relay Visa® Credit Card offers unlimited 1.5% cash back 1 on all credit card purchases dependent on your Relay subscription plan , putting a little…UpdatedApril 27, 2026
Giving your team members access to your credit accountYou can control who has access to your credit account by adding and removing team members as you need. Important: The Relay Visa® Credit Card is available…UpdatedSeptember 27, 2024
Closing your credit accountYou can close your credit account if the account has a $0 balance . Follow the instructions below to learn how to close your account once any outstanding…UpdatedApril 30, 2026
Integrating the Relay Visa® Credit Card with XeroThis article will walk through the steps to connect the Relay Visa® Credit Card account to your Xero account. Important: The Relay Visa® Credit Card is…UpdatedSeptember 16, 2024
Integrating the Relay Visa® Credit Card with QuickBooksThis article will walk through the steps to connect the Relay Visa® Credit Card account to your QuickBooks Online account. Important: The Relay Visa®…UpdatedApril 27, 2026

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Visa® Signature Card Rewards Program Terms & Conditions

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.

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.

*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.