Cash Back Balance Adjustment for October 2025 - What You Need to Know

You were impacted by two separate and unrelated system errors. One resulted in a deduction from your cash back balance (Extra Cash Back), and the other resulted in a credit to your balance (Missing Cash Back).

Due to a system error, some recurring bill payments on your account earned a higher cash back rate than intended depending on the transaction type. This resulted in extra cash back being added to your balance in error.

“Extra Cash Back” refers to the portion of cash back that was incorrectly awarded at a higher rate than your account was eligible for. This was caused by a misclassification of certain recurring bill payments.

If you exceeded your annual maximum spend limit for elevated cashback rates, you should have continued earning the base cashback on eligible purchases. However, due to a system error, those purchases did not earn any cashback.

In October 2025, an adjustment was made to your account to reflect the correct cashback balance. A message explaining the error was included in your October 2025 statement. You will see one adjustment that reflects the net result of the calculation of the credit and deduction as applicable.

Look for a line item in your Cash Back Summary labeled “Adjustment”. This reflects the adjustment applied to your account.

You will see one adjustment line in your Cash Back Summary that reflects the net result of the calculation of the credit and deduction.

No. You will see one combined adjustment in your October 2025 statement. It reflects both the credit and deduction applied to your cash back balance.

Your statement shows a single adjustment line that reflects the net result of both the credit (Missing Cash Back) and the deduction (Extra Cash Back). If you’d like a detailed breakdown of each amount, please contact the number on the back of your card and we’ll be happy to provide it.

No. These were one-time adjustments. Your future cash back earnings will continue to be calculated correctly based on your account’s tier and transaction classifications.

The issues were identified during a system review and required thorough validation to ensure accuracy. Once confirmed, the adjustment was applied in the October 2025 statement cycle.