Create reward policy - Marqeta Docs

POST///

Create a new reward policy.

Request body

Fields	Description
token string Optional	Unique identifier of the reward policy. Allowable Values: 36 char max
name string Required	Name of the reward policy. Allowable Values: 255 char max
description string Optional	Description of the reward policy. Allowable Values: 255 char max
settlement_strategy string Required	Reward settlement strategy for a credit program. Allowable Values: `STATEMENT`, `LIVE`
accrual_strategy string Optional	Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`. Allowable Values: `DEFAULT`, `PAYMENT`
rounding_strategy string Optional	Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`. Available options: - `ROUND_UP`: Always rounds away from zero to whole numbers. - `ROUND_DOWN`: Always rounds towards zero to whole numbers. - `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default). - `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic. Allowable Values: `ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE`
rules array of objects Required	List of one or more reward rules. Allowable Values: Valid array of one or more `rules` objects
rules[].description string Required	The description of the rule. Allowable Values: 255 char max
rules[].type string Required	Type of rule. Allowable Values: `MULTIPLIER_PER_TRANSACTION`
rules[].calculation_type string Optional	Type of calculation to use to evaluate if a rule has been satisfied. Allowable Values: `PER_TRANSACTION`
rules[].multiplier decimal Optional	The reward multiplier to apply the transaction, where ‘1’ means 1x transaction amount. Allowable Values: Any integer
rules[].amount decimal Optional	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
rules[].attributes object Optional	Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction. Allowable Values: mcc: `1500`, `0001-1499` mid: `255`
rules[].attributes.mcc array of strings Optional	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
rules[].attributes.mid string Optional	Merchant ID for the rule. Allowable Values: “255”
rules[].attributes.min_spend decimal Optional	Minimum spend amount. Allowable Values: 100
rules[].attributes.max_spend decimal Optional	Maximum spend amount. Allowable Values: 150
rules[].attributes.spend_total decimal Optional	Total spend amount. Allowable Values: 100
rules[].attributes.spend_days integer Optional	Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules). Positive integer values are allowed, with a minimum value of `1`. Allowable Values: 1 min
conversions array of objects Required	List of one or more reward conversions. Allowable Values: Valid array of one or more `conversion` objects
conversions[].type string Required	Type of conversion. Allowable Values: `STATEMENT_CREDIT`
conversions[].conversion_rate decimal Required	The rate that points are worth with converting the REDEMPTION_TYPE indicated. Allowable Values: 0.001 min Format: 0.000
conversions[].conversion_increment integer Required	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
conversions[].currency string Optional	Type of currency used with the conversion rate. Allowable Values: Currency code, such as EUR or USD.
exclusions object Required	Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
exclusions.use_default_exclusions boolean Optional	Indicates whether to use the default exclusion list. - If `true`, the default exclusion list is used. - If `false`, the custom exclusion list is used, if custom exclusions are included. Allowable Values: `true`, `false`
exclusions.custom_exclusions array of strings Optional	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`

Sample request body

JSON

{
  "token": "my_reward_policy_token_1234",
  "name": "Gold Reward Policy",
  "description": "A gold reward policy",
  "settlement_strategy": "STATEMENT",
  "accrual_strategy": "DEFAULT",
  "rounding_strategy": "ROUND_HALF_EVEN",
  "rules": [
    {
      "description": "Earn 1x on selected categories.",
      "type": "MULTIPLIER_PER_TRANSACTION",
      "calculation_type": "PER_TRANSACTION",
      "multiplier": 1,
      "amount": null,
      "attributes": {}
    }
  ],
  "conversions": [
    {
      "type": "STATEMENT_CREDIT",
      "conversion_rate": 0.001,
      "conversion_increment": 10,
      "currency": "USD"
    }
  ],
  "exclusions": {
    "use_default_exclusions": false,
    "custom_exclusions": [
      "2000-2999",
      "4321"
    ]
  }
}

Response body

Fields	Description
token string Conditionally returned	Unique identifier of the reward policy. Allowable Values: 36 char max
name string Conditionally returned	Name of the reward policy. Allowable Values: 255 char max
description string Conditionally returned	Description of the reward policy. Allowable Values: 255 char max
settlement_strategy string Conditionally returned	Reward settlement strategy for a credit program. Allowable Values: `STATEMENT`, `LIVE`
accrual_strategy string Conditionally returned	Reward accrual strategy for a credit program. If no value for `accrual_strategy` is set, the default value of this field is `DEFAULT`. Allowable Values: `DEFAULT`, `PAYMENT`
rounding_strategy string Conditionally returned	Rounding strategy for reward accrual calculations. If no value for `rounding_strategy` is set, then the default value of this field is `ROUND_HALF_EVEN`. Available options: - `ROUND_UP`: Always rounds away from zero to whole numbers. - `ROUND_DOWN`: Always rounds towards zero to whole numbers. - `ROUND_HALF_EVEN`: Rounds to two decimal places using half-even logic (default). - `ROUND_HALF_EVEN_WHOLE`: Rounds to whole numbers using half-even logic. Allowable Values: `ROUND_UP`, `ROUND_DOWN`, `ROUND_HALF_EVEN`, `ROUND_HALF_EVEN_WHOLE`
rules array of objects Conditionally returned	A list of one or more reward rules. Allowable Values: Valid array of one or more `rules` objects
rules[].description string Returned	The description of the rule. Allowable Values: 255 char max
rules[].type string Returned	Type of rule. Allowable Values: `MULTIPLIER_PER_TRANSACTION`
rules[].calculation_type string Conditionally returned	Type of calculation to use to evaluate if a rule has been satisfied. Allowable Values: `PER_TRANSACTION`
rules[].multiplier decimal Conditionally returned	The reward multiplier to apply the transaction, where ‘1’ means 1x transaction amount. Allowable Values: Any integer
rules[].amount decimal Conditionally returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
rules[].attributes object Conditionally returned	Additional properties for which the rule can be used to determine reward accrual eligibility for a transaction. Allowable Values: mcc: `1500`, `0001-1499` mid: `255`
rules[].attributes.mcc array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
rules[].attributes.mid string Conditionally returned	Merchant ID for the rule. Allowable Values: “255”
rules[].attributes.min_spend decimal Conditionally returned	Minimum spend amount. Allowable Values: 100
rules[].attributes.max_spend decimal Conditionally returned	Maximum spend amount. Allowable Values: 150
rules[].attributes.spend_total decimal Conditionally returned	Total spend amount. Allowable Values: 100
rules[].attributes.spend_days integer Conditionally returned	Maximum number of days since account creation within which the minimum spend requirements must be met to qualify for the reward (used for signup bonus rules). Positive integer values are allowed, with a minimum value of `1`. Allowable Values: 1 min
conversions array of objects Conditionally returned	List of one or more reward conversions. Allowable Values: Valid array of one or more `conversion` objects
conversions[].type string Returned	Type of conversion. Allowable Values: `STATEMENT_CREDIT`
conversions[].conversion_rate decimal Returned	The rate that points are worth with converting the REDEMPTION_TYPE indicated. Allowable Values: 0.001 min Format: 0.000
conversions[].conversion_increment integer Returned	The static amount to reward if the rule conditions are met. Allowable Values: Any integer
conversions[].currency string Conditionally returned	Type of currency used with the conversion rate. Allowable Values: Currency code, such as EUR or USD.
exclusions object Conditionally returned	Defines what merchant category codes (MCCs) are excluded from earning rewards. MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
exclusions.use_default_exclusions boolean Conditionally returned	Indicates whether to use the default exclusion list. - If `true`, the default exclusion list is used. - If `false`, the custom exclusion list is used, if custom exclusions are included. Allowable Values: `true`, `false`
exclusions.custom_exclusions array of strings Conditionally returned	List of merchant category codes (MCCs). MCCs must be a four-digit number, or a range of two four-digit numbers separated by a hyphen. Allowable Values: `1500`, `0001-1499`
created_time datetime Conditionally returned	Date and time when the reward policy was created on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ
updated_time datetime Conditionally returned	Date and time when the reward policy was last updated on Marqeta’s credit platform, in UTC. Allowable Values: Format: yyyy-MM-ddThh:mm:ssZ

Sample response body

JSON

{
  "token": "my_reward_policy_token_1234",
  "name": "Gold Reward Policy",
  "description": "A gold reward policy",
  "settlement_strategy": "STATEMENT",
  "accrual_strategy": "DEFAULT",
  "rounding_strategy": "ROUND_HALF_EVEN",
  "rules": [
    {
      "description": "Earn 3x on all categories.",
      "type": "MULTIPLIER_PER_TRANSACTION",
      "calculation_type": "PER_TRANSACTION",
      "multiplier": 3,
      "amount": null,
      "attributes": {}
    }
  ],
  "conversions": [
    {
      "type": "STATEMENT_CREDIT",
      "conversion_rate": 0.001,
      "conversion_increment": 10,
      "currency": "USD"
    }
  ],
  "exclusions": {
    "use_default_exclusions": false,
    "custom_exclusions": [
      "2000-2999",
      "4321"
    ]
  },
  "created_time": "2025-04-01T23:41:58.802Z",
  "updated_time": "2025-04-05T16:04:48.643Z"
}