> ## Documentation Index
> Fetch the complete documentation index at: https://docs.jup.ag/llms.txt
> Use this file to discover all available pages before exploring further.
# Rewards & Referrals
> Cashback rewards on every purchase, and referral bonuses for inviting friends to Jupiter Spend.
Jupiter Spend rewards users for spending and for growing the community. Cashback is earned automatically on qualifying purchases, and referral rewards are paid when invited friends sign up and start spending.
## Cashback
Every qualifying card purchase earns cashback. It is credited automatically to the Rewards balance after the transaction settles. No activation is needed.
### Cashback Rate
All qualifying card purchases earn a base cashback rate of 2%, up to a monthly cap of \$100.
You can raise your cashback rate to 4% (with a monthly cap of \$200) for a given month by referring at least 2 qualifying people during the previous calendar month. A qualifying referral is a friend who completes KYC and spends at least \$50 on their Jupiter Card. Referring only 1 person does not unlock the higher rate.
When unlocked, the 4% rate applies for the following calendar month. Your current rate and monthly progress are visible on the Rewards screen in the app.
### Rewards Balance
Your rewards balance is held in USDC. You can withdraw any amount from your Rewards balance to your card balance at any time. Withdrawals are instant with no fees.
Withdrawals to external wallets are currently disabled. When re-enabled, USDC will be sent to the destination wallet.
### When Is Cashback Credited?
Cashback is credited after the transaction fully settles, not at the point of payment. While a transaction is pending, a "Processing" entry appears in the Rewards tab. Once settlement is confirmed, it updates to earned and is added to the available balance.
## Referral Program
Invite friends to Jupiter Spend using your unique referral link. When they sign up, complete KYC, and start spending, you both earn rewards.
### How It Works
Go to the Rewards tab and tap "Refer to upgrade." Copy your link or share it via WhatsApp, Telegram, SMS, or any other app.
Your friend opens the link, creates an account, and completes KYC verification.
Once your friend spends at least \$50 on their Jupiter Card within 30 days of KYC approval, you receive \$10.
Once your friend spends \$1,000 within 30 days of card activation, they receive \$20.
The 30-day windows start from different dates: yours starts from your friend's KYC approval, theirs starts from their card activation.
### Referral Rewards
| | You (referrer) | Your friend |
| --------- | ------------------------------------------------- | ------------------------------------------------------- |
| Reward | \$10 | \$20 |
| Condition | Friend spends \$50 within 30 days of KYC approval | Friend spends \$1,000 within 30 days of card activation |
Reward amounts are denominated in USD and credited to the Rewards balance, which is held in USDC. They are paid out when the qualifying milestone is reached. There is no cap on the number of referrals. Referral rewards do not count toward the monthly cashback cap.
Only transactions fully settled and completed within the 30 days of card activation are eligible. Any transaction that settles outside this timeframe will not be counted towards the eligible spend.
### What Happens If the Milestone Is Not Reached?
If your friend does not spend \$50 within 30 days of KYC approval, the referral expires and you do not receive a reward. Your friend can still use Jupiter Spend normally.
## Ineligible Transactions for Cashback & Rewards
Cashback and referral rewards do not apply to transactions including, but not limited to:
* ATM withdrawals and cash disbursements
* P2P transfers
* QR Payments
* Refunded, reversed, disputed, or chargeback transactions
* Fees and charges
* Financial services (e.g. securities trading, brokerage services, insurance payments, real estate rentals, savings bonds, and other financial institution services)
* Money transfers, remittances, stored-value loads, and account funding transactions
* Quasi-cash and cash equivalents (e.g. cryptocurrency purchases, money orders, traveller's cheques, and similar instruments)
* Gambling-related transactions (e.g. casinos, betting, lotteries, and horse/dog racing)
* Government-related payments (e.g. taxes, fines, court costs, bail and bond payments, postal services, and other government services)
* Transactions identified by our fraud, abuse, or risk control systems, including suspicious spending patterns, rewards farming, self-referrals, manufactured spend, or transactions with merchants associated with abusive activity
Transactions falling under the above categories, including but not limited to similar or related transactions, will **not** earn cashback or referral rewards.
## Fraud & abuse controls
Jupiter runs fraud and abuse checks across spend, cashback, and referral activity. Rewards may be withheld or reversed where we detect:
* Suspicious activity or transactions, including any pattern flagged by our internal monitoring as inconsistent with legitimate card use
* Self-referral or referral-ring patterns (shared device, IP, payment instrument, or KYC artefacts)
* Manufactured spend, structuring, or velocity patterns inconsistent with normal card use
* Spend at merchants linked to known abuse clusters
* Activity from accounts with active freezes, sanctions hits, or unresolved KYC flags
Cashback and referral rewards are discretionary. We reserve the right to adjust, withhold, or reverse rewards at any time, and to update this list without prior notice.
## Terms & Conditions
Please note that **we reserve the right to update, amend, suspend, or discontinue any aspect of the Rewards and referral programs** at any time. Updated Terms & Conditions will be published here once available.
***
Have questions about cashback or referrals? See the [FAQ](/user-docs/global/spend/faq#cashback).