Frequently Asked Questions
What is the Exeter Rewards Card?
The Exeter Rewards Card is a pre-paid card (NOT a credit card) that can be used anywhere in the world where you see the Visa Acceptance Mark. There are no credit checks. Minimum top up amount is £20 and maximum is £1,000. Activate the card when you receive it and start spending/continue topping up! You can top up your card securely via your online account portal at Once the funds have cleared on your card account, you can use the card and spend the balance as you would with any other debit card. In fact, it's exactly the same as using any other debit card except you will start to earn cashback when you spend at our retail partners.
Can I register straight away?
Yes, you are eligible as long as you are employed by a participating company.
Will there be a credit check?
No, there are no credit checks or lengthy application process. You fill-in an online form and apply instantly. We will validate name, address and other personal information supplied by you during the order process against appropriate third party databases. By accepting these terms and conditions you consent to such checks being made. In performing these checks personal information provided by you may be disclosed to a registered Credit Reference Agency which may keep a record of that information. You can rest assured that this is done only to confirm your identity, that a credit check is not performed and that your credit rating will be unaffected. All information provided by you will be treated securely and strictly in accordance with the Data Protection Act 1998.
Do I have to pay to have an Exeter Rewards Card?
No, your card is free for the first 2 years (with a promotional code). To obtain a code, please contact your HR department. If they do not have a discount code set up, they will need to contact After this you will need to pay £4.99 every 2 years that follow - you will be prompted for this when you top up your card.
Does it cost me anything to use my Exeter Rewards Card?
No - there are no transaction costs involved with the Exeter Rewards Card when used in the UK. For charges relating to use outside the UK, please refer to the Terms and Conditions.
Where can I use my card?
Your card is accepted anywhere you see the Visa Acceptance Mark which is at over 36 million retailers worldwide. It's just the same as using any other Visa debit card.
Can I use it for shopping on-line?
Yes your Exeter Rewards Card is accepted at most on-line retailers. You can also use it securely in-store or on the telephone. It's just the same as using any other Visa debit card.
Can I spend more than funds that are on my card?
No the payment will be rejected if you have insufficient money on your card to pay for the goods.
How do I earn cashback using the Exeter Rewards Card?
Simple. Get your card. Activate it. Make sure it's topped up with funds. Start spending online or in-store at our retail partners to earn cashback and when you next top up, the cashback you have earned will automatically be credited to your account. It usually takes about 5 - 7 days for your cashback purchases to be processed so please don't worry if not all of your cashback appears if you top up quite soon after you have spent. Where possible, we will always credit your account as soon as we are advised of the cashback to be awarded. Earning cashback from online spending is subject to a few restrictions. Go to and click on the cashback savings tab for more information.
Is there a minimum spend required to receive my cashback?
No, there is no minimum spend to receive your cashback. You just need to make sure you have sufficient funds on your card before you start spending.
Can I get an additional card on my account?
Yes, you can get an additional card with the same benefits as long as it's for someone in the same household as you. Tick the 'Would you like an additional card' box when you register or alternatively, you can order one via your online account at Additional card fees apply.
How do additional cards work?
You both share one account and spend from one account balance. Top ups can be made by either of you. Both cards are sent separately and need to be activated by each card holder. Once they are activated, both can use the cards at partner retailers earning cashback as you spend. Cashback is credited to the account as and when it is topped up.
Can I access my account on-line?
Yes. When you have registered, you will be sent a user code and pass code by email. Keep this safe as you will need it to access your online account in the future. Your online account can be accessed at 24 hours a day. You can edit your personal details, top up your card, check your statement/balance/cashback.
Where do I top-up my card?
You can top-up your card online via your online account at 24 hrs a day.
Does it cost anything to top-up my Exeter Rewards Card?
Standard top up: Ad-hoc or regular - It is free when you top up over £200 however there is a small admin fee of 40p if it is under £200. The money will leave your bank account immediately and will take 4 days to clear and be available on your Exeter Rewards Card.
You can also request an 'instant' top up where the funds are available immediately - this will cost 40p for top ups below £200, any above £200 are free.
We would recommend you set up a regular payment from your debit card or standing order for your top ups to take away the hassle. The 'Top Up Card' tab on your online account gives you a full breakdown of your top up options and any charges that are applicable or please see our Terms and Conditions on the web site for full fees chargeable which will always reflect the most current version.
Do I still receive loyalty points i.e. Nectar or Advantage?
Yes. All other retailer loyalty schemes and offers can be used alongside your card giving you even more value when spending with the Exeter Rewards Card.
What happens if my card is lost or stolen?
You must notify us immediately if your card is lost or stolen. Please call 01908 303527 and select option 3 for lost and stolen cards. Any fraudulent use of the card is the responsibility of the cardholder unless they have reported the card lost or stolen. You should treat this card as cash in your wallet or purse. There is a £10 replacement charge unless you have a valid police crime reference number.
What happens if I forget my PIN?
This is the 4 digit PIN you were given when you activated the card over the phone. If you need a reminder, please call the Exeter Rewards Card hotline on 01908 303527 and select option 4 for forgotten pin.
Can I use my card abroad?
Yes, you can use your card anywhere Visa is accepted. However, a foreign exchange fee will apply (please see "Terms and Conditions" for current fee details) and you will not qualify for cashback when spending abroad.
How can I check how much money I have to spend on my Card?
You can check your balance through the page header & "Statement" page on this website and via our hotline on 01908 303527.

Can I use a cash machine to check my balance?
No, you can check your balance through the page header & "Statement" page on this website and via our hotline on 01908 303527.

Can I use my card to withdraw cash?
No. Your card cannot be used for cash withdrawals at ATMs, for purchasing foreign currency, cash advances or cash back at the till.
Are there any restrictions when using my card?
There are a few card restrictions such as gambling and adult websites (please see the "Terms and Conditions" for more information).  Some retailers also have exclusions, a full list can be found on the website under "Cashback Savings".
Will I earn cashback on petrol?
No. You also do not earn cashback on non-petrol items purchased at petrol stations.
Will the range of retailer partners and their cashback rates change?
Occasionally we do add or remove new partners but always aim to offer a comprehensive range of outlets where you can earn cashback. Whilst we can't rule out any change governed by market forces, we will endeavour to maintain our current rates wherever possible. Please check the web site which maintains an up to date listing and any amendments to the retail partner list and cashback rates.

My card was declined, what could the problem be?
Have you:-
• Got sufficient funds on the card to cover the purchase?
• Activated the card?
• Used the correct PIN?
• Are you trying to withdraw cash? (this service is not available)
What happens if my company leaves the scheme?
If your company leaves the scheme you will still be able to use the remaining balance until your card expires. The cashback that this card offers will only be paid whist your company is part of the scheme.

Mobile App FAQ'S

Q. How do I download the app onto my device?
A. To download the app please visit the app store and search for the Spree app, this should give you the option to download this for free onto your device.

Q. What login details do I need to enter to log into the app?
A. These are your usual login details that you use to access your online account through the website. If you have forgotten your password or passcode, please select the forgotten password link to reset this. To confirm your usercode or username please click the forgotten usercode/username link or contact customer services.

Q. It is asking me to set a memorable code, what is this?
A. For security, we require you to setup a memorable code when you log into the app for the first time. This needs to be a six-digit code that is memorable for you.

Q. I have forgotten by memorable code?
A. If you have forgotten your memorable code you can reset this via the settings on the dropdown menu in the app and selecting "reset app".

Q. Will this memorable code be the same as my passcode for my device?
A. No this will be separate to your passcode for your device and is specific for the Spree app.

Q. Can I setup touch ID to enter the app?
A. Yes you can use touch ID to access the app. This should prompt you to set this up when you first load the app or you can setup this up later in the settings of your device under the security option.

Q. How do I change push notifications for the Spree app?
A. You can change push notifications by selecting the Spree app under settings on your device and selecting the notification option. However without this feature you'll miss out on some of our great offers

Q. How to change the location services for the app?
A. To change your location services on the app you can do this through the settings on your device and selecting the Spree app. Once you click location this will allow you to change this, where you can opt to never use this service or use this just while using the app. However without this feature you'll miss out on some of our great offers

Q. Can my Partner card access the app?
A. Your partner card can download the app, however they will not be able to login as this uses your login credentials for the website.

Apple Pay FAQs

Q. What is Apple Pay?
A. Apple Pay is an additional payment option for your card on Apple devices. You can make secure purchases above the £30 contactless limit (depending on store) in store, through apps and online.

Q. How secure is Apple Pay?
A. Apple Pay is a secure payment option, as you are required to enter a onetime verification code when you add your card to Apple Pay. For purchases you need to use touch id with fingerprint identification, enter your six-digit passcode or with the new iPhone X use face ID.

Q. If I use Apple pay will this store my card numbers and share my information?
A. No when you setup Apple Pay this does not store your card number on your device, once setup this creates a separate token for your device. This means that your card details are never shared by Apple when you make a purchase.

Q. Which devices can use Apple Pay?
A. You can use Apple Pay on the below Apple devices:

iPhone X, iPhone 8, iPhone 8 Plus, iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE, iPad Pro, iPad (5th generation), iPad Air 2, iPad mini 4, iPad mini 3, Apple Watch Series 2, Apple Watch Series 1, Apple Watch (1st generation),MacBook Pro with Touch ID, a Mac model introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch.

Q. How do I add my card to Apple Pay?
A. To see how you can add Apple Pay to your device please log into your programme website and select the Apple Pay information page. This will give a full list of instructions on how to add Apple Pay on each device.

Q. How do I spend in store using Apple Pay?
A. For more information on how you can spend in store using Apple Pay please visit the Apple Pay information page on your programme website.

Q. How do I spend online using Apple Pay?
A. For more information on how you can spend online using Apple Pay please log into your programme website and select the Apple Pay information page.

Q. How to use Apple Pay on your device to make payments in apps?
A. For more information on how you can spend in app using Apple Pay please log into your programme website and select the Apple Pay information page.

Q. Do I need to enable touch ID or a passcode on my device to have Apple Pay?
A. Yes for security you will be unable to use the Apple wallet or add your card unless you have enabled touch ID or a passcode on your device. When you add your card to Apple Pay your device should prompt you to set this up or alternatively you can do this by going to the touch ID & passcode setting on your device.

Q. How to use Face ID with Apple Pay on the iPhone X?
A. For more information on how to use and setup Face ID please visit the Apple pay information page or the Apple website.

Q. How to select the card I want to pay with in Apple Pay?
A. If this is not your default card you just need to tap on the card you would like to use.

Q. How to choose a default card for Apple Pay?
A. To change your default card in your Apple wallet please visit the settings on your device and select the Wallet & Apple Pay section.

Q. I would like to remove my card from Apple Pay, how can do this?
A. You can remove this within the Apple wallet by clicking the i button next to the card and selecting the remove card button. Alternatively, please contact customer services who will be able to remove this on your behalf.

Q. My card has been blocked as this has been lost and stolen, will this affect Apple Pay?
A. No, as this does not use your card number you can continue to use Apple Pay.

Q. My card has been replaced will this affect Apple pay?
A. No, you can continue to use Apple Pay and the details will be updated automatically.

Q. I have lost my device how can I block my Apple Pay token?
A. If you have lost your device please contact customer service immediately and we will be able to block this for you. Alternatively, if you mark your device as lost using Find My iPhone this will automatically block all your cards within your Apple wallet.

Q. I have marked my device as lost in Find My iPhone, can I unblock this via customer services?
A. No if you marked your device as lost in Find My iPhone you need to visit this and mark your device as found, this will unblock any cards within the Apple wallet and you can resume using your card. If you have blocked this via customer services please contact us to notify us this has been found and we can unblock the token for you.

Q. I have not got an Apple device will you be offering other device payment options other than Apple Pay in the future?
A. Yes, we are working to expand our mobile payment options to provide this for other devices. Once this is available we will send you communication to let you know.