For employees

Your essentials just
got 10% cheaper.

10% cash back on the things you can’t skip: groceries, fuel, rent, utilities, and more. No claims to file, no receipts to keep, nothing to be paid back for later.

Get started
A woman reaching for an item on a supermarket shelf
An Amplify card and the Amplify app on a desk beside keys and a wallet. A notification reads that Amplify added $80 to the card, and the app shows the available balance and recent essential purchases

How it works

How the 10% reaches your card

  1. Fund the card

    From your bank or your debit card, whenever you want.

  2. Spend as you normally would

    Use the Amplify card at the store, the pump, or on your utility bill. Same stores, same routine.

  3. Cash back is earned

    10% cash back is earned after your purchase settles. Just in time for your next grocery run or tank of gas. How the card earns it.

What employees get

A benefit that’s more powerful than a raise

Same spending.More in your pocket, more in your basket.

Two identical grocery baskets side by side, the right one holding noticeably more

See how much comes back to you

You spend $1,000
$30$15,000
Cash Back +$100
Buying Power $1,100

Amplify adds 10% cash back for every dollar you spend up to the annual maximum. Same spending, more cash back.

Where it earns

Where you need it the most

Amplify is accepted everywhere, but 10% cash back is earned at approved merchants. These are the essentials everyone needs.

CategoryEligibilityMerchants**
GroceriesSelect merchants
  • ShopRite
  • ACME
  • Trader Joe’s
FuelSelect merchants
  • Wawa
  • Exxon
  • QuickChek
InternetSelect merchants
  • Optimum
  • Verizon Fios
Auto repairSelect merchants
  • Mavis
  • Pep Boys
  • Midas
Mobile servicesSelect merchants
  • Verizon
  • AT&T
Water & sewer*All providersNo restrictions. Any water and sewer utility: municipal bills.
Housing*All providersNo restrictions. Any landlord: rent payments.
Utilities*All providersNo restrictions. Any utility provider: electric and gas.
Childcare*All providersNo restrictions. Any childcare center: daycare and after-school.

Select merchants, earn 10%

  • GroceriesShopRite, ACME, Trader Joe’s
  • FuelWawa, Exxon, QuickChek
  • InternetOptimum, Verizon Fios
  • Auto repairMavis, Pep Boys, Midas
  • Mobile servicesVerizon, AT&T

All providers

Earn 10% cash back with any provider. No restrictions: any provider can be requested in the app.

  • Water & sewer*Municipal bills
  • Housing*Rent payments
  • Utilities*Electric and gas
  • Childcare*Daycare and after-school

* Landlords, utility providers and childcare centers can be added as payees in the Amplify app, and paid from there if a debit card is not accepted.

** Eligible merchants and categories are subject to change. Eligibility is determined at the time of purchase.

Read the full footnotes

* Employees can enroll their landlord as a payee through the Amplify app if their landlord does not accept debit cards. They may also add the information for their utility providers and childcare centers, as there are no restrictions on these categories. Once added to their account, employees can pay their landlords and utility providers through the app if a debit card is not accepted.

** Eligible merchants and categories are subject to change. Amplify reserves the right to add, remove, or modify eligible merchants and categories at any time. Eligibility is determined at the time of purchase.

Any water and sewer utility can be requested in our app and will be approved. Any utility provider can be requested in our app and will be approved. Any landlord is eligible and can be requested in our app and will be approved. Any childcare center is eligible and can be requested in our app and will be approved.

Merchant names are trademarks of their owners and do not imply endorsement.

A home router, ethernet cable and an internet bill on a desk
A phone showing the Amplify app beside its box and a charging cable on a black surface
Someone unpacking groceries in a kitchen: bread, milk, eggs and greens on the counter
The essential network for essentials.

Getting started

How to get Amplify where you work

  1. Your employer offers Amplify. Amplify is an employer-sponsored program, so your company enrolls first. Amplify is actively partnering with employers in New Jersey. Want it where you work? Have your company reach out.
  2. You sign up in the Amplify app and fund your Amplify account.
  3. You get your card, physical or digital, and use it anywhere. The 10% cash back is earned at approved merchants. You can see the location of these merchants on the map in the Amplify app.

Questions employees ask

Where can the card be used?

Anywhere. But the 10% cash back is only earned at approved merchants across nine essential categories: groceries, rent, gas and electric, water and sewer, internet, mobile phone, fuel, childcare and auto repair. That focus is deliberate. Amplify is built around the bills a household cannot avoid, not the extras it might skip.

When does the 10% arrive?

After each purchase settles, normally within a few business days. Nothing to claim and nothing to submit. It lands in your Amplify account and can be spent anywhere a debit card is accepted. How the Amplify card earns 10% back walks through it step by step.

Can I withdraw my funds as cash?

No. The funds you add, as well as the earned cash back, stay in the Amplify account to be spent using the Amplify card.

Is there a limit?

Yes. The maximum cash back earned is proportionate to the annual payment made by the employer. The more an employer pays, the more cash back can be earned.

How is this taxed?

Cash back earned up to the amount of the annual payment is reported as imputed income, just like an LSA. Every dollar of cash back above the annual payment amount is tax-free. This is how the program is reported, not tax advice: everyone's circumstances differ, so check with your own adviser. LSA vs cashback card compares the two side by side.

Is Amplify a bank?

No. Amplify manages the program and issues the cash back. Employee funds are held at our partner bank, in an account kept separate from Amplify’s own business money, and can only leave as a purchase made with the Amplify card or payment made within the app.

More answers in the full FAQ, and a step-by-step look at how the card earns 10% back.

Our mission

Because working
should be enough.

That belief is the reason Amplify covers the gap.

The deal is supposed to be simple. You work, and you can cover what your family needs. For millions of households it stopped being simple, and no single paycheck, business, or program was ever going to fix that on its own.

Amplify exists because the cost of living shouldn’t outpace the value of hard work. Nobody carries it alone. Employers put in. Employees put in. Amplify puts in. Together a dollar reaches further than any one of us could send it.

Get in touch

Talk to us.

Pre-enrolling today.

Amplify is partnering with employers in New Jersey that want to be early adopters. There are only 500 employee slots available, so reach out today!

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