Arc Rewards Terms

Last updated: Oct 8, 2025

Arc Rewards Terms

As a holder of an Arc account (“Arc Account”), you may earn rewards points based on your account balance, account activity, or both, as well as based on other limited-time and promotional offers. 

These terms (the “Rewards Terms”) govern Arc Rewards, Arc Rewards Points, or any substantially similar non-cash tokens or units of value associated with or within your Arc account (“Rewards”), and all aspects of earning, receiving, holding, redeeming, or disposing of Rewards (the “Rewards Program”).  The Rewards Program is administered by Arc Technologies, Inc. (“Arc”).  As a condition of earning or redeeming Rewards, or otherwise benefiting from the Rewards Program, you are agreeing to these Rewards Terms, as they are updated from time to time (for important information about changes, see the section titled “Changes to the Rewards Program or these Rewards Terms”).

These Rewards Terms are part of Arc’s Terms of Use, which govern your Arc Account, and which you are agreeing to and/or reaffirming your agreement to as part of accepting these Rewards Terms.  If any of these Rewards Terms conflict with the Arc Terms of Use, the conflicting portion of these Rewards Terms apply.  Otherwise, the Arc Terms of Use apply.  These Rewards Terms also apply to any Rewards earned pursuant to any Arc Premium membership or Arc Platinum membership, and any associated rewards program for such memberships.

Earning Rewards

Within your Arc Account, activity related to your Arc financial accounts (“Arc Financial Accounts”) eligible to earn Rewards may include, but are not limited to, activity related to Arc Business accounts, Arc Wallet accounts, Arc Reserve accounts, and Arc card accounts.  You must have an Arc Financial Account in good standing in order to earn, receive, or redeem Rewards.  Arc Treasury account balances and activities do not earn Rewards.

You may earn Rewards based on your eligible Arc Financial Accounts’ account balance, account activity, or both, as well as based on other limited-time and promotional offers.  Rewards earned from all your Arc Financial Account balance or activity are credited to your Arc Account, not to any individual Arc Financial Account.

Arc will calculate the number of Rewards earned in its reasonable discretion using data in its internal systems. You cannot earn partial rewards. Rewards are generally calculated daily and awarded monthly, but will not be awarded if your Arc Account is not eligible at the time of the award. Rewards may be adjusted retroactively before or after being awarded to your Arc Account if necessary to account for any discrepancy (for example, if a credit to your Arc Financial Account is later reversed; or if a card transaction is not completed; or if your Arc Financial Account balance was incorrectly calculated for any reason at the time of Rewards calculation).

Earning Rewards based on on Arc Financial Account balances and activity

You may earn Rewards based on maintaining an Arc Financial Account balance. Your applicable Rewards rate (“Rewards Rate), if you have one, will be specified in your Arc Account dashboard. If no Rewards Rate is specified, your Rewards Rate is 0. The Rewards Rate for holding Arc Financial Account balances, if specified, is an annual rate.

Rewards will be calculated using the Rewards Rate for the applicable Arc Financial Account, applied as a simple daily rate to the end-of-day balance of the applicable Arc Financial Account.  Pending or non-cleared transactions are not included in your Arc Financial Account balance. 

You may earn Rewards based on completing certain transactions using the ACH payment feature of an Arc Financial Account.  The Rewards Rate applicable to such transactions, if you have one, will be specified in your Arc Account dashboard or as otherwise specified to you by an Arc representative.  Transactions do not earn Rewards until they are final, which means clearing a pending state and any applicable holding period.

Earning Rewards based on Purchases

You may earn Rewards based on completing certain purchases using an Arc Card linked to your Arc Financial Account (“Eligible Card Purchases). The Rewards Rate applicable to your Eligible Card Purchases, if you have one, will be specified in your Arc Account dashboard. If no Rewards Rate is specified, your Rewards Rate is 0.  The Rewards Rate for Eligible Card Purchases, if specified, is a rate applied to the value of each Eligible Card Purchase transaction.  Eligible Card Purchases do not earn Rewards until they are final, which means clearing a pending state and any applicable holding period.

Certain types of transactions are not “Eligible Card Purchases” and will not earn Rewards, including but not limited to: balance transfers; cash advances; checks that access your Arc Financial Account; items returned for credit; disputed or unauthorized purchases; fraudulent transactions; foreign currency purchases; wire and ACH transfers (and similar cash-like transactions); lottery, gaming, or gambling purchases (and similar transactions); loads or reloads of balances on gift cards or prepaid cards or cash equivalents; taxes; person-to-person / peer-to-peer payments; cryptocurrency purchases; Arc Account or Arc Financial Account fees and charges, and fees for services or programs you elect to receive through us. Arc, in its sole discretion, determines whether a transaction constitutes an Eligible Card Purchase, reserves the right to deny Rewards, and reserves the right to remove Rewards if they were already granted on a transaction that is later deemed ineligible.

Earning Rewards based on offers or promotions 

You may earn Rewards based on certain offers or promotions. Such offers are typically only available for a limited time and have specific requirements.  The terms and requirements for such offers will be as specified in the offer or promotion.  Unless specifically waived or amended in the offer terms, if any aspect of these Rewards Terms are more restrictive than the offer or promotion terms, these Rewards Terms apply.

Holding and Redeeming Rewards

Your Rewards from all sources are held in your Arc Account  However, if you access Arc Financial Accounts of two or more legal entities through one login, those entities’ Rewards are not combined.

Redeeming Rewards for Statement Credit

Once Rewards post to your Arc Account, you may have the option to redeem them in various ways, including as a statement credit to your Arc Financial Account. Rewards held in your account are shown in terms of their redemption value.  Rewards held do not earn interest or yield.  You can check your Rewards balance at any time using the Arc web application (“Web App”), available at https://app.joinarc.com.

Your Rewards may be converted to cash in U.S. Dollars and applied as a general statement credit to your Arc Financial Account.  You must have an Arc Financial Account in good standing in order to redeem your Rewards.

Other Important Information about holding or redeeming Rewards

Only you or your Authorized Users may redeem Rewards. Rewards are not transferable or assignable to other Arc cardholders or accountholders.  Rewards, even when displayed in terms of their dollar value, have no cash value until you redeem them in accordance with these Rewards Terms . You have no property rights or other legal interest in any Rewards.  You are responsible for any taxes that may be due on redemptions.

If an adjustment is necessary after Rewards have been credited to your Account to correct a Rewards award, redemption, or balance, Arc may at its discretion apply the adjustment to your next Rewards credit, by debiting your available Rewards balance, or by reversing a Rewards redemption.

Losing Access to Rewards or the Rewards Program 

Rewards do not expire.

If we or you close or freeze your Arc Account, you will no longer be able to earn or redeem any Rewards and you will forfeit any accumulated Rewards.

Arc may also stop Rewards from accruing, and/or may prevent you from redeeming Rewards: (a) if your Arc Financial Account becomes delinquent, or you violate any of these Rewards Terms or the Arc Terms of Use; (b) if Arc reasonably believes that you or any Arc Card or Arc Financial Account activity may violate applicable law or any agreement or contract that Arc may have with its partners; or (c) if your Arc Card or Arc Financial Account is subject to a hold for any other reason, including but not limited to suspicion of fraud.

In addition, and without limiting the foregoing, Arc may suspend your ability to earn or use Rewards, take away any Rewards, cancel your Rewards or cancel your Arc Card or close your Arc Account if Arc determines in its sole discretion that you engaged in fraud, abuse, misuse, or gaming in connection with earning or using Rewards, or that you may attempt to do so, including, but not limited to:

  • by buying or selling Rewards;
  • by selling, or participating in the sale or exchange of, items of value obtained through use of Rewards;
  • by repeatedly opening or otherwise maintaining Arc Cards or Arc Accounts for the purpose of generating Rewards; and
  • by manufacturing spend for the purpose of generating rewards.

Rewards withheld, cancelled, voided or otherwise removed will not be reinstated unless Arc determines, in its sole discretion, that it has made an error.

If your Rewards reflect a negative balance, any Rewards you subsequently get will be applied first to reduce the negative balance. You will not be able to use Rewards until your balance becomes positive. 

Changes to the Rewards Program or these Rewards Terms

Arc may make changes to the Rewards Program (including termination of the Rewards Program) or change these Rewards Terms at any time. For example, Arc may:

  • Add new terms or delete terms; or change how you earn Rewards
  • Change which purchases are eligible to earn Rewards, or how many Rewards you can earn for  eligible purchases;
  • Change which Arc Financial Account balances are eligible to earn Rewards, or how many Rewards you earn for Arc Financial Account balances;
  • Change how you may redeem Rewards; 
  • Change the value of Rewards when making redemptions;
  • Change what you can redeem your Rewards for; and
  • Impose caps or fees on earning or redeeming Rewards.

Changes to the Rewards Program will be made by posting updates to these Arc Rewards Terms, with the changes being effective as of the date posted. Arc may not provide notice when it changes the Rewards Program, including any of the changes listed above, except as required by applicable law.  You understand and agree that Arc can make these changes at any time, and that future availability of certain aspects of the Rewards Program is not guaranteed.  It is your responsibility to check these Arc Rewards Terms for the latest updates.  By your continued participation in the Rewards Program you consent to the Terms as posted, including any changes.

Arc currently provides at least 45 days’ notice of material changes to the Rewards Program, and at least 90 days’ notice of termination of the Rewards Program.  However, Arc may change these advance-notice periods at any time, with or without notice, unless earlier notice is required by law, in which case the minimum legally required notice period will apply. 

If Arc terminates the Rewards Program, Rewards that are not redeemed prior to its termination will be forfeited.

Arc partners with Stripe Payments Company for money transmission services and account services. “(Legacy) Business” accounts are financial accounts provided by Stripe Payments Company with deposits held in the U.S. at Goldman Sachs Bank USA, Member FDIC; “Business” accounts are financial accounts provided by Stripe Payments Company with funds held at Fifth Third Bank, Member FDIC; "Wallet" and "Reserve" accounts are financial accounts provided by Stripe Payments Company with funds held at Evolve Bank & Trust, Member FDIC.

Arc cards are issued by Celtic Bank and serviced by Stripe, Inc. and its affiliate Stripe Servicing, Inc.

For Arc “Treasury” accounts, investment advisory services are provided by Arc Advisory LLC (“Arc Advisory”) or Atomic Invest LLC (“Atomic Invest”). 

For Arc Treasury accounts with advisory services provided by Arc Advisory LLC: 

Arc Advisory is an SEC-registered investment advisor. Technology services may be provided by Arc Technologies, Inc. For more details about Arc Advisory, please see the Form ADV and Wrap Fee Disclosure Brochure and Privacy Policy.

Arc Advisory LLC has an engagement with Atomic Brokerage LLC (“Atomic Brokerage”), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account. Brokerage services for customers of Arc Advisory LLC are provided by Atomic Brokerage. For more details about Atomic Brokerage, please see the Form CRS, the Atomic Brokerage General Disclosures, and the Privacy Policy. Check the background of Atomic Brokerage on FINRA’s BrokerCheck. Fees such as regulatory fees, transaction fees, fund expenses, brokerage commissions and services fees may apply to your brokerage account.

For Arc Treasury accounts with advisory services provided by Atomic Invest LLC:

Arc has an engagement with Atomic Invest LLC (“Atomic Invest”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account. Investment advisory services are provided by Atomic Invest. Companies which are engaged by Atomic Invest receive compensation of 0% to 0.85% annualized, payable monthly, based upon assets under management for each referred client who establishes an account with Atomic Invest (i.e., exact payment will differ). Atomic Invest also shares a percentage of compensation received from margin interest and free cash interest earned by customers with Arc. Arc is not a client of Atomic Invest, but our engagement with Atomic Invest gives us an incentive to refer you to Atomic Invest instead of another investment adviser. This conflict of interest affects our ability to provide you with unbiased, objective information about the services of Atomic Invest. This could mean that the services of another investment adviser with whom we are not engaged could be more appropriate for you than Atomic Invest. For more details about Atomic Invest, please see their Form CRS, Form ADV Part 2A, the Privacy Policy, and other disclosures. Brokerage services for Atomic Invest are provided by Pershing Advisor Solutions LLC, a registered broker-dealer and member of FINRA and SIPC. 

None of Arc Advisory, Atomic Invest, Atomic Brokerage, or any of their affiliates, are a bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Advisory services are designed to assist clients in achieving a favorable outcome in their investment portfolio. They are not intended to provide tax advice or financial planning with respect to every aspect of a client’s financial situation and do not include investments that clients may hold outside of their Arc Treasury account.

Custodial and clearing services for all Arc Treasury accounts are provided by Pershing LLC, a BNY Mellon company. Technology services may be provided by AtomicVest, Inc.

Cash Sweep Program

For Arc Treasury Accounts with Arc Advisory or Atomic Invest, Pershing LLC (“Pershing”) offers a cash sweep program. Funds in transit to or from Program Banks are generally not FDIC-insured. The Sweep Program is administered by Pershing LLC. Deposits at each Program Bank are insured by the FDIC up to $250,000 for each insurable capacity. Based on eligibility criteria, the two FDIC-insured programs (“Bank Deposit Programs”) offered are 1) Dreyfus Insured Deposits (DIDI) and 2) Liquid Insured Deposits. Funds deposited into each sweep program, in aggregate, are eligible for up to $2,500,000 of FDIC insurance. The sweep programs can be configured so that once the funds reach one or more Program Banks (up to $250,000 for each insurable capacity at up to ten Program Banks), then the next Bank Deposit Program will be initiated. Although certain types of accounts, such as trust accounts may be eligible for additional FDIC insurance based on the number of beneficiaries, funds will be allocated to each Program Bank in such a way that provides up to $250,000 of FDIC insurance for individual accounts and $250,000 of FDIC insurance for trust and other corporate account types, in each case per Program Bank. If clients elect to exclude one or more Program Banks from receiving deposits, the amount of FDIC insurance available through the Arc Treasury account may be lower. Clients are responsible for monitoring their total assets at each Program Bank, including existing deposits held at Program Banks outside of the Arc Treasury account, to ensure FDIC insurance limits are not exceeded, which could result in some funds being uninsured. For more information on FDIC insurance please visit http://www.fdic.gov/. Deposits held in Program Banks are not protected by SIPC.

For financial accounts provided by Stripe (“Business,” “Wallet,” and “Reserve” accounts; collectively, “Stripe Treasury Accounts”): 
Stripe Treasury Accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same type of account. Neither Stripe nor Arc is an FDIC-insured institution. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.

For “(Legacy) Business” accounts provided by Stripe with funds held at Goldman Sachs Bank USA: 
(Legacy) Business accounts are eligible for FDIC pass-through deposit insurance subject to conditions. The accounts are eligible to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied, including that the recordkeeping of identities and interest of the actual owners of the funds must be ascertainable. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same type of account. The FDIC’s deposit insurance coverage only protects against the failure of a FDIC-insured depository institution and neither Stripe nor Arc are depository institutions. 

Yield paid by Arc related to cash balances held in Stripe accounts is subject to change over time without notice based on prevailing market conditions. Today's yield rates reflect the Annual Percentage Yield (APY) paid by Arc to customers, where payments are completed on a monthly basis according to daily cash balances held over the prior calendar month.

Arc Capital Markets and Arc Intelligence are products of Arc Technologies, Inc.

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