What is Relay?

Relay combines an immediate annuity, which we call a Planned-Spend Account, with a Relay Visa® Prepaid Card (“Relay Card”).

How does it work?

Relay combines an immediate annuity, which we call a Planned-Spend Account, with a Relay Visa® Prepaid Card (“Relay Card”).

1

Set Your Plan and Create Your Account

Determine the payout you’d like to receive on your Relay Card each month and the number of years you’d like to receive this monthly payout. Then, deposit a one-time lump sum to open your Planned-Spend Account and enroll for a Relay Card.
2

Get Monthly Payouts on Your Relay Card

Once enrolled, we’ll mail you your Relay Card. Your monthly payouts will be drawn from the balance of your Planned-Spend Account, and loaded onto your Relay Card, until the balance of your Planned-Spend Account is exhausted.
3

Spend Your Payouts to Earn Your Cash-Back

When you spend on qualifying expenses using your Relay Card, you'll earn incredible cash-back rewards, with no category exceptions, no blackout dates, and no annual fees. Your cash-back rate increases 1% per year, and your rewards never expire!
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Build your Relay plan

How much would you like to set aside for recurring expenses? Select the amount that best fits your lifestyle, and for how you long you’d like to receive payments, to see the lump-sum required and rewards you’ll earn.

5 350 Plan
Year
5%
1
6%
2
7%
3
8%
4
9%
5
10%
6
11%
7
Your lump sum: $20,886.96
Lump sum quotes reflect pricing as of today. Pricing is subject to change to reflect changes in market interest rates.

Read About Us

" A new range of tools are bringing fintech to the next level. Take Relay, which helps consumers make the most of the money they've earmarked for future expenses. "

" Relay is the first offering to creatively combine an immediate annuity with cash-back rewards, delivered via a fully-digital service model using modern technology. "

Meet Zach

We sponsor Zach Veach's #26 Andretti Autosport Indy car. Zach embodies what our business is built on: hard work, conquering obstacles, empowerment, and giving back.