The things people ask first.

Amplify is a Voluntary Payroll Alternative (VPA) that gives employees 10% cash back on essential purchases. Employees fund their Amplify account with their own money and use the Amplify card anywhere a debit card is accepted.

We believe people who work hard should be able to cover the basics. That has become more difficult, 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.

Nothing. No monthly fee, no annual fee, no minimum balance, no interest and no credit check. Simply spend your money using the Amplify card on the things you were buying already, and part of it comes back to you.

An annual amount of your choice, per participating employee. You only pay for the employees who choose to enroll. There is no ongoing administration beyond initial onboarding. To see how that compares to a traditional raise, read Alternatives to a Raise.

Anywhere. But the 10% cash back is only earned at approved merchants across nine essential categories: groceries, rent, gas and electric utilities, water and sewer bills, internet service bills, mobile phone services, 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.

After each purchase settles, normally within a few business days. Nothing to claim and nothing to submit. The cash back is added to your Amplify account and goes toward the next grocery run or the next tank of fuel. How the Amplify card earns 10% back walks through it step by step.

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

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.

The maximum cash back earned is limited to 1.25× your annual payment. The card may be used anywhere but only earns cash back at participating essential merchants. The Amplify card functions like a standard debit card.

Cash back you earn up to the amount of the annual payment is reported as imputed income, in the same way a lifestyle spending account is. Cash back above that amount is not taxable. This describes how the program is reported; it is not tax advice, your own circumstances may differ, and you should speak to your own adviser. LSA vs cashback card compares the two side by side.

Amplify is currently enrolling employers in New Jersey. Want it for your team? Use the form below and we will be in touch.