CashBack+
Turn your everyday spending into real rewards. CashBack+ is our exclusive loyalty program that lets you earn cashback not only on purchases, but also on actions that support your financial journey. It’s a smarter way to save while staying connected to the benefits of membership.
Fast & Convenient
Buy gift cards anytime through Online Banking or our Mobile App.
Great for Everyday Purchases
Perfect for groceries, gas, coffee runs, online shopping, and more.
Lots of Choices
Pick from top brands like Safeway, Chevron, Starbucks, Amazon, and many others.
Earn More Back
Enjoy 2% to 20% cash back on every gift card you purchase.
Digital Giftcards
Pay directly in the app and use in-store or online.
No Extra Costs
No service fees, and your gift cards never expire.
How to Earn CashBack
Browse places you frequently shop
Find top brands and offers for groceries, gas, entertainment, travel and more!
Purchase a gift card and earn more
Choose your amount and get 2% to 20% cash back
Use your gift card and repeat
Gift cards are delivered typically within minutes, with new offers added daily
Earn Cashback for the Way You Bank
Enroll in eStatements
Go paperless while keeping your account secure and organized.
Set Up Direct Deposit
Get paid faster by having your paycheck go straight into your account.
Complete Your First Mobile Check Deposit
Deposit checks anytime, anywhere through the mobile app.
And Many More
Discover additional ways to earn rewards by taking simple actions.
Frequently Asked Questions about CashBack+
- What is CashBack+?
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CashBack+ is a rewards account that is a benefit offered by your credit union. Earn instant cashback by doing your everyday shopping with digital gift cards. It is an experience that’s designed to reward engagement with your credit union. Membership Pays!
- Why should I use CashBack+?
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CashBack+ is a benefit to help you earn cashback. You will earn cashback by paying with digital gift cards instead of your debit or credit card as well as through other actions from your credit union. Every bit adds up!
- How do I redeem my CashBack+ cashback balance?
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Navigate to the "Redeem" page within CashBack+ and choose which of your available credit union accounts that you would like to transfer your cashback to. It is instant and there are never any minimums.
- Are there minimums in order to redeem my CashBack+ cashback balance?
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There are never any minimums to redeem your cashback balance.
- How can I view my cashback earnings?
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You can check your earnings by clicking on the cashback balance at the top of the CashBack+ homepage or by going to the "Redeem" page from the menu.
- Are there limits on the amount of cashback I can earn?
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There are no limits on the cashback you can earn.
- Where do I go for further assistance?
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If you have a question that still needs to be answered, please contact a Prizeout support team member at [email protected] or reach out to your credit union's support team.
- Are there any fees to use CashBack+?
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No. there are never any fees in order to use CashBack+.
- How does Offers work?
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CashBack+ Offers allows you to earn cashback when you pay for your next purchase with digital gift cards. All you have to do is select a brand, use your credit union account to purchase a digital gift card, and use the gift card to pay at checkout. The bonus tags show how much extra value you'll earn as soon as you purchase and your digital card is delivered in seconds.
- Why should I use CashBack+ Offers?
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CashBack+ Offers allows you to buy digital gift cards to pay online or in-store and earn instant cashback.
- Why do I see different Offers than other members?
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CashBack+ aims to curate your cashback earnings experience so that you see recommendation based on where you like to shop and what is currently available for you from our brand partners. Offers for different members are based on a variety of factors including available promotions, previous purchase history, location, and more.
- Will I get cashback instantly with Offers?
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Yes. Unlike other cashback products, you will receive your cashback instantly into your CashBack+ balance.
- Can I choose which account I want to use to purchase a digital card?
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Yes, you can select which credit union account at checkout.
- How will I receive my digital gift card?
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Digital gift cards are sent to your email address on file with your credit union, as well as available within your CashBack+ Wallet.
- How do I access the gift cards that I've previously purchased?
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You can access your previously purchased gift cards either through the email confirmation you received when you purchased or through your CashBack+ Wallet. The CashBack+ Wallet stores all of your previously purchased digital gift cards for safe storage and easy usage. You can access it from the Menu within CashBack+.
- How do I use the gift cards? In-store? Online?
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Gift card usage is dependent on the specific brand and their policies. Brands typically allow for gift cards to be used wherever checkout is allowed.
Cobalt Credit Union offers CashBack+ to members with active accounts in good standing through programs powered by Prizeout. CashBack+ enables members to purchase select digital gift cards in set denominations and earn cashback at varying percentages, which is credited immediately to their CashBack+ wallet after purchase. Cobalt Credit Union retains the right to modify or terminate the CashBack+ program at any time without prior notice. Digital gift card offers are not products of Cobalt Credit Union, and their terms of use are subject to the respective merchants; more information can be found at prizeout.com/terms.
