Perks

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Choose which perk you want to earn first, switch anytime:

  • * 1% cash back: Choose from a Visa® Gift Card or gift cards from Target®, Best Buy®, Amazon.com®, GAP and Ticketmaster®
  • * Music: Choose to receive credit for songs at iTunes®, Rhapsody® or Amazon.com® Gift Cards for MP3s or millions of other items
  • * Coffee: Choose reloadable gift cards from Starbucks®, Dunkin Donuts®, Peet’s Coffee and Tea® and Bruegger’s Bagels®

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When you choose coffee perks, you earn free cups of coffee. Every time you spend $200 using your Perkstreet FinancialSM Visa Debit Card without entering your PIN, you earn a free cup.

For every cup you redeem, we add $2 in credit to the gift card you choose. Pick whether to use your coffee perks at Starbucks®, Dunkin Donuts®, Peet’s Coffee and Tea® or Bruegger’s®. Plus, you’ll earn 25% more rewards for all non-PIN purchases you make with these coffee retailers.

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When you choose music perks, you earn free songs. Every time you spend $100 using your debit card without entering your PIN, you earn a free song.

For every song you redeem, we’ll email you a $1 gift card or we’ll send you a gift card in the mail within a few business days. Pick whether you'd like your gift card from iTunes®, Amazon.com® or Rhapsody®. Plus, you’ll earn 25% more rewards for all non-PIN purchases you make with these music retailers.

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When you choose cash back perks, every time you spend $100 using your debit card without entering your PIN, you earn $1.

For every $1 you redeem, we add a $1 to the gift card you choose. Pick a Visa Gift Card that you can use anywhere anywhere Visa Debit cards are accepted, or pick a gift card from Target®, Best Buy®, Amazon.com®, GAP or Ticketmaster®. Whichever option you choose, we'll send you your gift card within a few business days. Plus, you’ll earn 25% more rewards for all non-PIN purchases you make on your birthday.

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When you use your debit card without entering your PIN, you earn perks. This means anything you buy online using your debit card, and anytime you are at a register and choose “credit” instead of “debit” you’ll earn perks.

Either way, the money is withdrawn from your checking account; you are not borrowing on credit, even if you choose that option. Selecting “credit” when making purchases with your debit card means you want to use the Visa payment network that can handle credit or debit card purchases.

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A non-PIN transaction is when you swipe your debit card and choose “credit” even though you are paying using the funds in your checking account. Selecting “credit” when making purchases with your debit card means you want to use the Visa payment network that can handle credit or debit card purchases. More importantly it means you are earning perks.

In addition to choosing credit, there are other non-PIN transactions. Here is a complete list of non PIN transactions that will earn you perks:

  • Any purchase that you sign for
  • Any purchase where you swipe your debit card and do not enter your PIN
  • Purchases made on the internet
  • Phone and mail order purchases

A good rule of thumb is a pretty straight forward one: if you make a purchase with your debit card and you don’t enter your PIN to complete the purchase, you will be earning perks on that transaction.

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You can always request that they cancel the selection and allow you to select “credit” to make the payment. Selecting “credit” when making purchases with your debit card means you are using the Visa payment network that can handle credit or debit card purchases. More importantly it means you are earning perks.

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There is no limit to the perks you can earn. Earn $1 cash back or 1 song for every $100 in non-PIN purchases and get 1 cup of coffee for every $200 in non-PIN purchases. That can really add up. If you spend $200 a week, you’ll get 100 free songs a year or $100 in gift cards or 50 cups of coffee.

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No. PerkStreet does not require you to keep a minimum balance. You earn perks whenever you use your debit card without entering your PIN.

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Absolutely. You can change the perk that you earn online anytime and as often as you wish. When you switch, all of your perks will be converted at full value so you won’t lose any of the perks you’ve accumulated when you switch perks.

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It depends on which perk you choose, but it should take no longer than three business days for Perkstreet to process and send out your perks. How quickly it gets to you depends on how it was sent.

For music perks, we’ll send you an email with a code for you to redeem your perks for Rhapsody®. For Amazon.com® we'll send you an email with a Gift Card Code. If you choose iTunes®, we’ll send you a gift card in the mail.

For coffee perks, if you already have a Starbucks® or Peet’s Coffee and Tea® card, we will load the value of your redeemed coffee perks onto the card. You can also choose to have Perkstreet send you a Starbucks® or Peet’s® card.

If you choose Dunkin’ Donuts® or Bruegger’s®, we will send you a gift card in the mail.

For the cash back perks, if you choose to receive a Visa gift card or a gift card from Best Buy®, Target®, Ticketmaster® or GAP we'll mail you a gift card. If you choose Amazon.com® we'll email you a Gift Card Code.

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