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The Secured Rewards Program is how Dash.fi offers elevated cashback rates tied to pre-payments on your account. If you’ve funded your account with a significant balance or you’re enrolled in the Card + Cash Program, this page covers how the program works, where funds are held, and how to manage your pre-payment balances.

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Frequently asked questions

Dash.fi’s elevated cashback rate is tied to short-term credit terms and pre-payment held as collateral. The higher rate applies up to a cap based on the amount of your pre-payment; spend that exceeds the cap earns at a lower standard rate.This structure allows Dash.fi to offer a higher reward rate while maintaining the financial controls required to sustain it.
A pre-payment is an upfront deposit you make to increase your card’s spend capacity beyond its standard daily limit.For example: if your account has a 100,000/dayspendlimitbutyouanticipate100,000/day spend limit but you anticipate 300,000 in upcoming spend, you can pre-pay $200,000 to cover the difference. Dash.fi acts as your agent to manage these pre-payments, which are held in reserve as collateral against your credit line.
No traditional interest is earned on pre-payment balances. However, participants in the Secured Rewards Program receive annual loyalty rewards in place of traditional interest. These loyalty rewards are not legally classified as interest income.Neither Dash.fi nor customers earn interest on funds held in demand deposit accounts (DDAs).
Pre-payment funds are held in demand deposit accounts (DDAs) at Dash.fi’s partner banks. These are dedicated accounts that hold your collateral separately from Dash.fi’s operational funds.
Yes. Dash.fi’s partner banks are FDIC-insured institutions. Current partner banks include:
  • Security State Bank & Trust
  • Community Federal Savings Bank
  • Transpecos Bank
  • Patriot Bank
  • Wells Fargo
  • Choice Financial Group
  • Bank of America
  • Metropolitan Capital Bank & Trust
Dash.fi’s pre-payment accounts are not part of the IntraFi CDARS sweep program.
Yes. All pre-payments are applied to your corporate charge card account and are held in your company’s name. The primary sponsor bank is TransPecos Bank (legacy accounts may show Patriot Bank as the sponsor).Dash.fi accounts are corporate accounts only — personal accounts are not supported.
To request a return of your pre-payment funds, email support@dash.fi or contact your account manager directly. The team will confirm your request and initiate the process according to the applicable timeline.
There are two return timelines depending on your needs:
  • Standard: Quarterly, on a net-30 basis
  • Expedited: Monthly, on a net-15 basis — subject to approval
Pre-paid collateral is generally locked until the next quarterly period, so plan accordingly if you anticipate needing access to those funds.
Pre-paid collateral is not immediately liquid. If you may need access to funds on short notice, discuss your options with your account manager before making a large pre-payment.
You can instruct Dash.fi to do one of three things with your pre-payment funds:
  1. Return to your operating account — funds are sent back to the bank account on file
  2. Apply to your card balance for spending — funds are moved to your Dash.fi account to increase available spend capacity
  3. Hold as collateral — funds remain in the Secured Rewards Program to continue earning loyalty rewards and supporting your elevated cashback rate
No. The Secured Rewards Program is not a bundled high-yield savings account offering. The Dash.fi corporate charge card is issued in partnership with TransPecos Bank and Patriot Bank, and the pre-payment structure is a collateral mechanism — not a savings or investment product.
You can access your account statements at any time by logging in to app.dash.fi. If you need statements delivered another way or have trouble accessing them, email support@dash.fi.

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Still have questions?

The details matter when you’re managing significant pre-payment balances. Reach out to support@dash.fi or your account manager for guidance specific to your account.