MOCA Unlimited Smart Rewards®

Question: Why does almost every other debit card reward program have limits on the cash back you can earn?

Answer: We don’t know either, so we made our MOCA Smart Rewards unlimited! Keep using your MOCA Card and keep earning cash back each month – no caps.

Every non-PIN transaction you make in stores or online using your MOCA Prime Debit or Premier Business Prepaid Card can earn you rewards. Even better, if you are a person who has issued someone a MOCA Sentinel Debit Card or a business that has issued someone a MOCA Purchase Card, you can earn rewards on those non-PIN purchases too! That can really add up.

You earn your rewards in MOCA Coins, and you can self-redeem your MOCA Coins for cash at any time and in any amount. Every time you redeem, your cash is deposited automatically into your MOCA Prime or Premier account. No hassles. No gimmicks. No waiting.

BUT REMEMBER, PIN-based transactions do not earn rewards. If you use your PIN on a purchase, you will not earn rewards. Don’t worry though, you can easily avoid using a PIN on most transactions.

Obviously, online and signature transactions never require a PIN, but what about merchant terminals? No problem. When faced with the choice:

  1. Always select the “No PIN” option when you can or
  2. Just press “Enter” if a terminal asks for a PIN or
  3. Choose “Credit” or
  4. As a last resort you may need to choose “Cancel” to bypass the PIN.

One of these methods should allow you to bypass the PIN and earn rewards, so use your MOCA Card every chance you get!

Also, you accrue MOCA Coins starting with your first PIN-less transaction each month, but until you do at least 10 overall MOCA Card transactions in a calendar month, you can’t claim your rewards. Luckily, we aggregate all your transactions across any MOCA Cards you own (except gift cards), so make sure you do at least 10 MOCA Card transactions each month. But don’t stop there. We don’t put a cap on the rewards you can earn with your MOCA Prime or Premier account so use your MOCA Card every chance you get!

Question: Why does almost every other debit card reward program have limits on the cash back you can earn?

Answer: We don’t know either, so we made our MOCA Smart Rewards unlimited! Keep using your MOCA Card and keep earning cash back each month – no caps.

Every PIN-less transaction you make in stores or online using your MOCA Prime Debit or Premier Business Prepaid Card can earn you rewards. Even better, if you are a person who has issued someone a MOCA Sentinel Debit Card or a business that has issued someone a MOCA Purchase Card, you can earn rewards on those PIN-less purchases too! That can really add up.

You earn your rewards in MOCA Coins, and you can self-redeem your MOCA Coins for cash at any time and in any amount. Every time you redeem, your cash is deposited automatically into your MOCA Prime or Premier account. No hassles. No gimmicks. No waiting.

BUT REMEMBER, PIN-based transactions do not earn rewards. If you use your PIN on a purchase, you will not earn rewards. Don’t worry though, you can easily avoid using a PIN on most transactions.

Obviously, online and signature transactions never require a PIN, but what about merchant terminals? No problem. When faced with the choice:

  1. Always select the “No PIN” option when you can or
  2. Just press “Enter” if a terminal asks for a PIN or
  3. Choose “Credit” or
  4. As a last resort you may need to choose “Cancel” to bypass the PIN.

One of these methods should allow you to bypass the PIN and earn rewards, so use your MOCA Card every chance you get!

Also, you accrue MOCA Coins starting with your first PIN-less transaction each month, but until you do at least 10 overall MOCA Card transactions in a calendar month, you can’t claim your rewards. Luckily, we aggregate all your transactions across any MOCA Cards you own (except gift cards), so make sure you do at least 10 MOCA Card transactions each month. But don’t stop there. We don’t put a cap on the rewards you can earn with your MOCA Prime or Premier account so use your MOCA Card every chance you get!

Question: Why does almost every other debit card reward program have limits on the cash back you can earn?

Answer: We don’t know either, so we made our MOCA Smart Rewards unlimited! Keep using your MOCA Card and keep earning cash back each month – no caps.

Every PIN-less transaction you make in stores or online using your MOCA Prime Debit or Premier Business Prepaid Card can earn you rewards. Even better, if you are a person who has issued someone a MOCA Sentinel Debit Card or a business that has issued someone a MOCA Purchase Card, you can earn rewards on those PIN-less purchases too! That can really add up.

You earn your rewards in MOCA Coins, and you can self-redeem your MOCA Coins for cash at any time and in any amount. Every time you redeem, your cash is deposited automatically into your MOCA Prime or Premier account. No hassles. No gimmicks. No waiting.

BUT REMEMBER, PIN-based transactions do not earn rewards. If you use your PIN on a purchase, you will not earn rewards. Don’t worry though, you can easily avoid using a PIN on most transactions.

Obviously, online and signature transactions never require a PIN, but what about merchant terminals? No problem. When faced with the choice:

  1. Always select the “No PIN” option when you can or
  2. Just press “Enter” if a terminal asks for a PIN or
  3. Choose “Credit” or
  4. As a last resort you may need to choose “Cancel” to bypass the PIN.

One of these methods should allow you to bypass the PIN and earn rewards, so use your MOCA Card every chance you get!

Also, you accrue MOCA Coins starting with your first PIN-less transaction each month, but until you do at least 10 overall MOCA Card transactions in a calendar month, you can’t claim your rewards. Luckily, we aggregate all your transactions across any MOCA Cards you own (except gift cards), so make sure you do at least 10 MOCA Card transactions each month. But don’t stop there. We don’t put a cap on the rewards you can earn with your MOCA Prime or Premier account so use your MOCA Card every chance you get!