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Stash Stock-Back Card Review – Invest as You Spend

Andrew Schrage
Stash Stock-Back debit cards in black and blue
Our Rating
3.0/5
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Stash Stock-Back Card

  • Best for: Stash Plan members who want everyday debit spending to buy stock
  • What Sets It Apart: Rewards paid in fractional shares of the companies you buy from; stock rewards on a debit card
  • Cost: Included in the Stash Plan at $12 a month or $108 a year; $2.50 per out-of-network ATM withdrawal; 1% per instant transfer
  • Features: 1% back in stock on the first $1,000 a month, then 0.125%; bonus offers of up to 3% on select purchases; 55,000+ fee-free ATMs; paychecks up to two days early
  • Pros: Automatic stock from routine spending; no interest, overdraft, or maintenance fees
  • Cons: Bonus rewards capped at $10 a month; rewards only in a taxable account; the 1% rate tops out at $120 a year

Just the Tip:

Use the Stash Stock-Back card if you already pay for the Stash Plan, but don’t subscribe just to get it. The 1% back in stock applies only to your first $1,000 of purchases each month, so it pays at most $120 a year, less than the plan’s $144 cost when billed monthly.

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The card itself is a Stride Bank debit Mastercard2 that pays rewards in fractional shares of stock instead of cash or points. It fits people who already invest with Stash and want everyday purchases to add shares to their brokerage account automatically.

Key Features

  • Included with the Stash Plan, which costs $12 a month or $108 paid annually1
  • 1% back in stock on your first $1,000 of purchases each month, then 0.125%2
  • Shares of the company where you shop if Stash offers that stock, otherwise a default investment you choose2
  • No overdraft, minimum balance, or monthly maintenance fees, and more than 55,000 fee-free ATMs5
  • $2.50 per out-of-network ATM withdrawal, plus any operator fee, and 1% per instant transfer to an outside debit card5

Pros

  • Turns routine debit spending into stock with no extra steps
  • Spends your own money, so there’s no interest or card debt
  • Bonus offers of up to 3% back in stock on select purchases3
  • Paychecks up to two days early with direct deposit4

Cons

  • Bonus rewards stop at $10 a month, so the 1% rate earns at most $120 a year against a plan costing $108 to $144 a year2
  • The 1% and bonus rates are promotions Stash can change, and the program terms commit only to 0.125%3
  • Rewards land only in a taxable brokerage account, never an IRA or custodial account2
  • No rewards on ATM withdrawals, gift cards, money orders, or payments through Venmo, Cash App, or PayPal2
  • Rewards take up to 10 business days to post and are forfeited if your brokerage account closes first2

Make the Stock-Back card your everyday debit card if Stash already handles your investing, because the stock lands in your portfolio at no added cost. If you pay credit cards in full, Wells Fargo Active Cash and similar no-annual-fee cards pay a flat 2% on every purchase, double the Stock-Back card’s 1% rate, with no subscription or cap.

Nothing in this material should be construed as an offer, recommendation, or solicitation to buy or sell any security. All investments are subject to risk and may lose value. Subscription plans and pricing are subject to change.

Stash Financial, Inc. is a digital financial services company offering financial products for U.S. based consumers. Stash is not a bank or depository institution licensed in any jurisdiction. Advisory products and services are offered through Stash Investments LLC, an SEC registered investment adviser. Stash Capital LLC, an SEC registered broker-dealer and member FINRA/SIPC, serves as introducing broker for Stash Clients’ advisory accounts. Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC, provides clearing and execution services and serves as qualified custodian for advisory assets of Stash Clients. Products offered by Stash Investments LLC and Stash Capital LLC are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. For more information, see Stash’s disclosures.

1 Ancillary fees charged by Stash and/or its custodian are not included in the subscription fee. The subscription fee also does not include fees charged by each ETF’s investment adviser or other fees and expenses reflected in the price of each ETF’s shares.

2 Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Any earned stock rewards will be held in your Stash Invest account. Investment products and services provided by Stash Investments LLC, not Stride Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. In order for a user to be eligible for a Stash banking account, they must also have opened a taxable brokerage account on Stash. Stock-Back® Bonus Rewards, including the 1% rate and any category bonus, are capped at $10 in total value per calendar month; after that, each qualifying purchase earns the base reward of 0.125% or $0.01, whichever is greater. All rewards earned through use of the Stash Stock-Back® Debit Mastercard® will be fulfilled by Stash Investments LLC and are subject to Terms and Conditions. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. In order to earn stock in the program, the Stash Stock-Back® Debit Mastercard must be used to make a qualifying purchase. Stock rewards that are paid to participating customers via the Stash Stock Back program are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. What doesn’t count: ATM and other cash withdrawals, money orders, gift cards, prepaid cards, and P2P payments such as Venmo, Cash App, and PayPal. If you make a qualifying purchase at a merchant that is not publicly traded or otherwise available on Stash, you will receive a stock reward in an ETF or other investment of your choice from a list of companies available on Stash. Stock rewards are not available in tax-advantaged accounts (including retirement and custodial accounts), Crypto accounts, or a Stash Smart Portfolio. It may take up to ten business days after a qualifying purchase posts for a stock reward to appear in your account, and rewards are forfeited if your brokerage account is closed or not in good standing when they are credited.

3 Bonus rates are promotional, vary by time period and merchant category, and are offered at Stash’s sole discretion. Offers are only available to Stock-Back® participants who received an offer directly from Stash for that time period and those qualifying purchases, and the offer you receive may differ from another participant’s. Current rates, categories, and dates are listed in the Bonus Rewards Terms and Conditions. Bonus rewards count toward the $10 monthly cap, and Stash may amend or cancel a promotion at any time. This promotion is sponsored by Stash Cash Management LLC and is not sponsored or endorsed by Stride Bank, N.A., Mastercard, or any of their affiliates.

4 Early access to direct deposit funds depends on when the payor sends the payment file. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

5 The Stash banking account has no overdraft, minimum balance, or monthly maintenance fees. Get fee-free transactions at any Allpoint ATM; see the app for location details. Out-of-network ATM withdrawals cost $2.50 and balance inquiries $0.50 each, and the ATM operator may charge its own fee. Instant withdrawals to an external debit card cost 1% per transfer. For a complete list of fees, see the Deposit Account Agreement.

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