Vergo is a financial technology company and is not a bank. Banking services are provided by Blue Ridge Bank, N.A ; Member FDIC. The Vergo Business Visa Debit Card is issued by Blue Ridge Bank N.A. pursuant to a license from Visa U.S.A Inc, and can be used anywhere Visa cards are accepted. Cashback rewards program is subject to additional terms and conditions which can be read here. 1% cash back on card spend related to projects. Project spend is based on transactions in relevant merchant category codes (MCC), e.g. furniture stores, hardware stores, lumber yards etc., as determined by us. Cash Back and promotions are only redeemable to businesses with NAIC codes relevant to the home building & renovation industry as determined by us. Other terms and conditions apply. Please see our rewards policy for details.