Auto-reload bonus terms

Many merchants offer a one-time bonus when you switch on auto-reload — typically a few dollars on top of your first scheduled top-up. Here's exactly how those bonuses work, when they're protected, and what happens if you cancel.

Eligibility

One bonus per consumer per merchant. If you've already received an auto-reload bonus from a particular store, switching auto-reload off and on again won't give you a new one.
Minimum top-up of $25. Bonuses don't apply to top-ups below $25.
Monthly cap. Each merchant chooses a monthly bonus cap (typical: $20). Once a merchant's cap is hit for the month, new sign-ups still work — they just don't earn a bonus until the next calendar month.
Active card. The card must be in good standing (not suspended, not flagged, not expired).

When the bonus appears

The bonus is added immediately after the first successful auto-reload charge. You'll see two ledger entries: the top-up amount you paid for, and the merchant-funded bonus on top.

The clawback rule (important)

If you cancel auto-reload within 3 cycles after receiving a bonus, the bonus is not removed from your card balance. Instead, it's deducted from your future spend at that merchant.

Example: you receive a $5 bonus, then cancel after one cycle. Your balance still includes the $5. The next time you spend at that merchant, $5 of your spend is netted against the bonus before the rest comes off your balance.

This protects merchants from sign-up-and-cancel abuse, while protecting you from ever being charged for the bonus. You will never owe money for a bonus you received — the worst case is that the bonus money you got essentially funds a future visit.

After 3 successful cycles, the bonus is fully yours with no clawback.

What counts as a "cycle"

A cycle is one successful auto-reload charge. Failed charges don't count. So if your card on file declines twice in a row, then succeeds — that's one cycle, not three.

I cancelled mid-cycle — what happens?

Nothing changes. The cancellation stops the next charge. Any bonus you've already received either rolls into the clawback window (if within 3 cycles) or stays free and clear (if past 3 cycles).

What is auto-reload?
How to cancel auto-reload
Auto-reload FAQ