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How The Amazon Flex Debit Card Works For Drivers In 2024

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Key Takeaways

  • Amazon Flex Debit Card offers cashback rewards for Amazon Flex drivers upon reaching Level 2.
  • Allows instant access to earnings, mobile check deposits, and comes with no monthly fees.
  • Includes benefits like card lock/unlock, mobile pay options, and the ability to set savings goals.
  • Provides up to 6% cashback on fuel, 2% on Amazon and Whole Foods purchases.

What Is the Amazon Flex Debit Card?

The Amazon Flex debit card is a special card available to Amazon Flex delivery partners, Amazon DSP drivers, and Amazon employees.

For Flex drivers, it’s associated with the Rewards program, which you can unlock at Level 2. Using it nets you cashback rewards, which are deposited into your account.

screenshot of the Amazon Flex debit card and its key features

Before breaking down the acquisition process and the card’s benefits, we’d like to go over the card’s basic characteristics and the banking services provided by the Amazon Flex program:

ProviderIssued by Green Dot Corporation under Visa U.S.A., Inc. license; operated by GoBank, GO2Bank, and Bonneville Bank.
TypeVisa debit card, accepted universally where Visa is accepted.
Terms and ConditionsGoverned by Deposit Account Agreement, detailing fees, limits, and dispute resolution.
OverdraftNo overdraft protection; spending limited to loaded or deposited funds.
InsuranceFDIC insured up to $250,000 per depositor and bank.
ProtectionVisa Zero Liability Policy safeguards against unauthorized charges.
FeesNo monthly fees, but charges for ATM withdrawals, card replacement, and foreign transactions may apply.

How To Get an Amazon Flex Debit Card

To obtain the Amazon Flex debit card, you need to have an Amazon Flex account and be a delivery partner for Amazon. You can find all the details that you need to apply inside of the driver app.

Here’s a breakdown of the steps and considerations to keep in mind:

  1. Make sure you’re an active Amazon Flex delivery partner in good standing
  2. Make sure you’ve reached Level 2 in the Amazon Flex Rewards program
  3. Access the application menu
  4. Press “Activity Hub”
  5. Press “Rewards Details”
  6. Tap the Amazon Flex Debit Card application button at the top of the screen to start the application process
  7. Follow the prompts to provide your personal information: name, address, Social Security number, and bank account details
  8. Submit your application

Amazon and Green Dot Bank will review your application after you submit it. They might reach out to ask for further information if necessary, but if everything checks out, you’ll get notified about your approval.

Once approved, the card will be mailed to you within 7–10 days after approval.

Once you receive the card, we recommend that you directly deposit your Amazon Flex earnings into it to increase your purchasing power. You can do this by:

  1. Opening the Amazon Flex app
  2. Accessing the menu
  3. Accessing Settings
  4. Tapping “Personal Information”
  5. Tapping “Bank Account”
  6. Inserting your Amazon Flex debit card details

You can load money into your card through bank transfers and direct deposits. You’ll also benefit from the cashback reward if you use it often.

Brett’s Take: Thoughts From an Expert

While I personally suggest using this card for payouts due to the large amount of savings and benefits that come with the card, it’s worth noting that drivers don’t need to do so.

You can choose to keep using your regular bank account for deposits and simply transfer funds to the Flex Debit Card as needed. This is particularly beneficial for gas purchases in order to get the cashback benefits.

Understanding the Amazon Flex Rewards Program

Understanding the way the Amazon Flex Rewards program works is helpful since you can only apply for the card once you reach Level 2.

This program offers benefits and incentives to delivery drivers, and you enroll in it immediately after meeting these criteria.

You earn points by making deliveries and use them to level up and access more rewards. There are four reward tiers:

  • Level 1, which you’ll belong to as soon as you complete one delivery
  • Level 2, which requires 650 points
  • Level 3, which is achieved at 3,000 points
  • Level 4, the highest level, which requires 6,500 points

The number of points you earn depends on the number of deliveries and delivery blocks you complete, as well as your standing—fantastic, great, fair, or at risk.

Here’s a quick low-down:

  • Fantastic: 3 points per delivery, 30 points per block
  • Great: 2 points per delivery, 20 points per block
  • Fair: 1 point per delivery, 10 points per block
  • At Risk: 1 point per delivery, 10 points per block.

For a better understanding of the levels and associated benefits, see the image below:

screenshot of the amazon flex rewards levels
Image Credit: Amazon Flex

Brett’s Take: Thoughts From an Expert

Take note of the different levels of benefits that this card offers. For instance, drivers receive a higher percentage of cash back on gas purchases. A few percentage points makes a huge difference.

It’s also possible to use the card for small, everyday purchases, not just work-related expenses. This is another simple – yet underrated – trick to using this card.

Benefits That Come With Using an Amazon Flex Debit Card

You might be curious as to what the exact benefits offered by this card are.

Note that, apart from the perks listed here, you’ll also receive discounts and promotions from partner brands, as well as access the “Preferred Scheduling” feature, but these aren’t tied to the debit card itself.

1. Cashback

You can earn up to 6% cashback on all fuel and eligible EV charging purchases, 2% cashback on Amazon.com and Whole Foods Market purchases, and 1% cashback on all other purchases. Periodical promotions can also double your cashback.

The cashback will be added to your earnings and paid out during your next payment cycle. A maximum cashback limit of $500 applies to all purchase categories.

That said, make sure you read the fine print to double-check if you’re eligible for this benefit.

Brett’s Take: Thoughts From an Expert

I find that one of the biggest benefits of using this card is the fact that I can get cash back on gas purchases.

Because there is so much driving involved with this gig, getting cash back on fuel – which is a bit of a sunk cost that you can’t get around paying for – is an easy way to save money.

For even more ways to save on gas, see my post about how to get free gas as a driver.

2. Faster Access to Earnings

This feature eliminates the need to wait for the next payment cycle if you have a financial emergency. Here’s how to use it:

  1. Open the app and tap on Earnings
  2. Tap on “Transfer Now” and enter the amount you want to transfer — with a maximum of up to 50% of your earnings or $500 per day, whichever is lower
  3. Tap on “Confirm Transfer” and select the Amazon Flex debit card

3. Card Lock

You can lock your card if you misplace or lose it or if it gets stolen. Similarly, you can unlock it if you find it afterward. Even though the card is protected by the Visa Zero Liability Policy, it’s better to be safe than sorry.

To lock an Amazon Flex card:

  1. Open the Amazon Flex Debit Card app
  2. Tap on “Card”
  3. Tap on the toggle switch next to “Card Lock”

You’ll receive a confirmation message and an email detailing the status of your card. You can still view your balance and transaction history when your card is locked, as well as access your rewards and benefits.

4. Usage Fees

This debit card has no monthly fees. However, you have to pay attention to the ATM usage fees:

  • Your first three in-network ATM transactions in a given month are free. After that, you’ll pay $3 per transaction
  • Out-of-network ATM transactions will cost you $3 per transaction
  • International ATM transactions will cost you $3 per transaction, plus a 3% foreign transaction fee

The Flex debit card is issued by Green Dot Bank and belongs to the Allpoint network, which has over 55,000 in-network ATMs across the US and internationally.

Note that bank operators or ATM owners may subject you to additional charges!

5. Mobile Check Deposits

You can deposit checks into your card account using your smartphone. It’s a neat way to save time and avoid fees from cashing your checks at other places. Here’s how:

  1. Open the Amazon Flex Debit Card app
  2. Tap on “Deposit”
  3. Tap on “Deposit a Check” and select the account you want to deposit to
  4. Endorse your check by signing your name and writing “For Mobile Deposit Only” on the back
  5. Take a photo of the front and back of your check; the application will guide you through the process
  6. Enter the sum you want to deposit and tap on “Review”
  7. Confirm the details and tap on “Submit”

You’ll receive a confirmation message and an email with the status of your deposit, or you can view it on the app by accessing “Deposit History.”

Your funds may be available in minutes or within a few days, depending on the type of your check and the amount of money you deposited.

6. Mobile Pay

You can use this debit card to check out with mobile pay if it’s supported in your location. That includes services such as Google Pay, Apple Pay, and more.

7. Vaults

You can set and track your saving goals by using the “Vaults” feature. You’re allowed to create up to 10 named vaults for different purposes, such as saving for a vacation, an emergency fund, and more.

To do so, you have to:

  1. Open the Amazon Flex Debit Card app
  2. Tap on” Vaults”
  3. Tap on “Create a Vault”
  4. Enter a name and set a target amount for your savings goal
  5. Tap on “Save” and confirm your vault details

To add money to your vault, tap on “Transfer” and select the amount of money you want to add and the account you’ll source it from, and vice-versa for withdrawals.

You can also earn interest on your savings; the current rate is 0.01% annual percentage yield (APY).

Wrapping Up

Participating in the Amazon Flex Rewards program can open the door to a wide range of helpful rewards, including the Flex debit card. It’s an excellent way to save money and take control of your spending, so make sure you apply to it once you reach Level 2!

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