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 purchase 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 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.

PINless purchases typically get you more rewards
PINless purchases generally earn more rewards. That's because if you use your PIN to make a purchase, you earn a flat 5 MOCA Coins, but if you make a PINless purchase, you earn 1 MOCA Coin for every $1 you spend. Fortunately, 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 maximize your rewards, so do a PINless MOCA Card purchase every chance you get!

You can double your rewards each month
Yes, you earn rewards on every Prime and Premier Card purchase, but you can also double your rewards each month.  Just do at least 10 overall MOCA Card transactions in a calendar month, and you will double your rewards!

So make sure to make PINless purchases whenever possible and to do at least 10 MOCA Card transactions each month to maximize your rewards. Of course, since we don’t put a cap on the rewards you can earn with your MOCA Prime or Premier account, it makes sense to 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.

PINless purchases typically get you more rewards
PINless purchases generally earn more rewards. That's because if you use your PIN to make a purchase, you earn a flat 5 MOCA Coins, but if you make a PINless purchase, you earn 1 MOCA Coin for every $1 you spend. Fortunately, 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 maximize your rewards, so do a PINless MOCA Card purchase every chance you get!

You can double your rewards each month
Yes, you earn rewards on every Prime and Premier Card purchase, but you can also double your rewards each month.  Just do at least 10 overall MOCA Card transactions in a calendar month, and you will double your rewards!

So make sure to make PINless purchases whenever possible and to do at least 10 MOCA Card transactions each month to maximize your rewards. Of course, since we don’t put a cap on the rewards you can earn with your MOCA Prime or Premier account, it makes sense to 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.

PINless purchases typically get you more rewards
PINless purchases generally earn more rewards. That's because if you use your PIN to make a purchase, you earn a flat 5 MOCA Coins, but if you make a PINless purchase, you earn 1 MOCA Coin for every $1 you spend. Fortunately, 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 maximize your rewards, so do a PINless MOCA Card purchase every chance you get!

You can double your rewards each month
Yes, you earn rewards on every Prime and Premier Card purchase, but you can also double your rewards each month.  Just do at least 10 overall MOCA Card transactions in a calendar month, and you will double your rewards!

So make sure to make PINless purchases whenever possible and to do at least 10 MOCA Card transactions each month to maximize your rewards. Of course, since we don’t put a cap on the rewards you can earn with your MOCA Prime or Premier account, it makes sense to use your MOCA Card every chance you get!