About Points

Last Updated Date: July 14, 2022

What are points?

Points are rewards you earn by using Mos! We want to help you earn more money, so we reward you for the things you already do, like using your Mos Debit Card and funding your Mos Account.

You can redeem the points you earn for instant cash back!

Earning Points by Spending

Earn 100 points for every $1 you spend on purchases in your favorite category. You can set your favorite category in the Mos App and change it any time after 30 days. There are a total of four categories to choose from:

  • - Food & Drink

  • - Shopping

  • - Entertainment

  • - Travel

By default, your favorite category will be set to Food & Drink until you’ve picked a favorite category of your own.

Student Welcome Bonus

Users that created their Mos account after 8/9/2022 are able to earn 100,000 points after they’ve completed all four of the below tasks in the Mos app. Please refer to the “Student bonus” banner on the Home screen for more information.

  1. 1. Set a pin for your digital card

  2. 2. Verify your student status

  3. 3. Add money to your account

  4. 4. Make your first 3 purchases

Other Ways to Earn Points

If you joined Mos before July 14, 2022 you'll earn:

  • - Create a Mos Account: +5,500 points

  • - Fund your Mos Account: +1,500 points

  • - Add Mos Digital Card to wallet: +2,000 points

  • - Activate your Mos Debit Card: +500 points

  • - Turn on FAFSA Alerts: +10,000 points

If you joined Mos after July 14, 2022 you'll earn:

  • - Create a Mos Account: +1,000 points

  • - Fund your Mos Account: +5,000 points

  • - Add Mos Digital Card to wallet: +3,000 points

  • - Activate your Mos Debit Card: +500 points

  • - Turn on FAFSA Alerts: +10,000 points

There may even be additional ways to earn points, so be on the lookout for other ways to earn.

Redeeming Points

Once you’ve earned your first 10,000 points, you’ll be able to redeem your points for instant cash back! You can redeem as many points as you’d like, whenever you’d like.

Every 10,000 points you redeem adds $1 instantly to your Mos Account.