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What happens to my cash rewards if my Schwab One® brokerage account is not linked to my Schwab Bank Invest First card?

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Your credit card account will continue to accrue 2% cash back rewards on purchases, and we will hold your cash back rewards for up to five years. Cash rewards that are not redeemed will expire after 5 years. Once you link your Schwab One account to your credit card account, your cash rewards will automatically be deposited into the account at the beginning of the following month.

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