Stockback

Every card purchase pays you in fractional shares.

How it works

Spend, and a percentage of the purchase comes back as tokenized stock rather than as a cash rebate. The shares land in your account, where they behave like anything else you own: they can appreciate, pay dividends, and back your Portfolio Line. Note: Stockback is funded by card interchange, not by GWOOD emissions.

Your stockback rate depends on your membership tier. See Membership.

Choosing what you earn

• Index by default. New members earn into a diversified basket. It is the sensible default and it is what we recommend if you do not want to think about it.
• Pick your own. Choose a single company or a small set and stockback accumulates there.

You can change your selection at any time. It only applies to future purchases.

Why this and not cashback

Cashback is designed to be spent. It arrives, blends into the balance, and vanishes.

Stockback accumulates. Equity compounds.

Disclaimers

Stockback is a reward, not investment advice. Shares can fall in value, including below what the equivalent cashback would have been worth. Your tier rate applies to the first part of each month’s spending: $2,000 on Bloom, $3,500 on Harvest and $5,000 on Perennial. Spending above the cap earns 1%, and caps reset on the first of each month. Seed earns a flat 1%. If we change them, we will change them in advance and in writing.