|Reward formula||Purchase limitation||Cap on rewards||Expiration||Annual fee|
|Up to 25 percent cash back on purchases.||Rewards are only earned while shopping at participating retailers and websites.||No limit||No limit||$0|
Purchase and PIN-based transactions at participating websites and/or retailers will receive rewards. Once at least $5 in rewards has been accrued, the consumer can transfer the balance to his or her checking account at their convenience.
Bankrate.com surveyed the largest banks and thrifts in the top five markets in the country plus the top five credit unions to find out what debit card rewards programs are available and how they work. The survey was taken from Aug. 22 to Sept. 9, 2011.