Using the Relay card

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Articles in Using the Relay card

Editing Vendor and Category Controls on Your Relay Debit CardVendor and category controls limit where your Relay Visa® Debit Card can be used, so you can issue purpose-specific cards to your team.UpdatedAugust 11, 2026
Using Your Virtual Relay CardA virtual Relay card is a digital-only Visa debit card that works instantly for online purchases, digital wallets, and recurring subscriptions, with no…UpdatedAugust 11, 2026
Using Your Physical Relay CardYour physical Relay Visa® Debit Card is a business debit card issued by Thread Bank, Member FDIC, that spends directly from any of your Relay checking…UpdatedAugust 11, 2026
What Is a Pre-Authorization Hold on Your Relay Card?A pre-authorization hold is a temporary reservation of funds on your Relay card that a merchant places to verify you have enough money to cover a purchase…UpdatedAugust 11, 2026
Countries Where Relay Cards Are Not AcceptedYour Relay Visa® Debit Card and Relay Visa® Credit Card are automatically declined at merchants processing in the countries and territories listed below…UpdatedAugust 11, 2026
How to Add Your Relay Card to Your Digital WalletAdd your Relay Visa® Debit Card or Relay Visa® Credit Card to Apple Pay, Google Pay, or Samsung Pay so you can tap to pay at contactless terminals.UpdatedAugust 11, 2026
How to View Your Debit Card Number, CVV, and Expiry DateYou can view your full Relay Visa® Debit Card number, CVV, and expiry date in under a minute from either the Relay web app or the Relay mobile app.UpdatedAugust 11, 2026
How to Withdraw Cash at an ATM With Your Relay Debit CardUse your Relay Visa® Debit Card at any Allpoint ATM to withdraw cash without an operator surcharge, or at any ATM where Visa is accepted (operator…UpdatedAugust 11, 2026
Why did my card decline?A Relay Visa® Debit Card typically declines for one of these reasons: card status, transaction limits, CVV or PIN entry, billing address mismatch, low…UpdatedAugust 11, 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.