The things people ask first.

An employer sponsored employee benefit that gives 10% cash back on essential purchases. Employees fund their Amplify account with their own money and use the Amplify card for groceries, fuel, rent, utilities and other essentials, earning 10% back to their account.

We believe people who work hard should be able to cover the basics without it being a struggle. That has gotten harder, and no single employer can fix it alone. So, we built a way for businesses and Amplify to put money behind the problem together, pointed directly at groceries, fuel, rent and the bills that never stop. As Amplify grows, the benefit grows too.

Nothing. No monthly fee, no annual fee, no minimum balance, no interest, no credit check. They use their own money for things they were buying anyway, and part of it comes back.

An annual membership fee per participating employee. You only pay for the employees who choose to enroll, so you never pay for a wasted benefit. There is no ongoing administration beyond initial onboarding.

At approved merchants across nine essential categories: groceries, housing, gas and electric, water and sewer, internet, mobile phone, fuel, childcare and auto repair. Anything outside those categories declines, and the app explains why. That restriction is deliberate. The benefit is built around the bills a household cannot avoid, not the extras it might skip.

Shortly after each purchase settles with the store, usually a day or two. Nothing to claim and nothing to submit. It lands on the card and goes toward the next grocery run or the next tank of fuel.

No. Cash back stays on the Amplify card and is spent on the same nine categories. It cannot be withdrawn at an ATM or moved to another account. Employees who need access to their own contributed funds in a genuine hardship can request it through our hardship policy.

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 at an approved merchant.

Yes. Both the amount an employee can load and the amount of cash back they can earn in a year are capped, and the caps depend on the membership level the employer selects. Those figures are being finalized and will be published before enrollment opens.

Some of the benefit is treated as taxable and reported through the employer’s normal payroll process. We are finalizing the details with our tax advisors and will publish the full treatment, along with what it means for take-home pay, before enrollment opens.

Not yet. Amplify launches in New Jersey and we are selecting the founding employer cohort now. Founding employers help shape the program and get first access at launch pricing.