> ## Documentation Index
> Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.
# About Reward Accounts
> Learn about how you can use reward accounts to track reward accruals and manage reward redemptions on a credit account.
Marqeta’s reward accounts feature enables you to track reward accruals and manage reward redemptions on an account.
To retrieve reward account tokens for an account, send a `GET` request to the `/credit/rewards` endpoint and pass the `reward_account_token` in the query parameters.
For the complete reward accounts endpoint reference, see [Reward Accounts](/core-api/credit-reward-accounts/).
**Important**\
**External reward accounts**
If you are using an external reward program and not Marqeta’s, you can post rewards using the [Reward Accounts](/core-api/credit-reward-accounts/) endpoint. This ensures that your rewards appear in account statements.
Global configurations
Global configurations determine how rewards are accrued on an account per reward program. These configs are inherited from the reward policy on the account’s associated bundle on the Marqeta Dashboard. For more, see [Credit Programs in the Marqeta Dashboard](/developer-guides/credit-programs-dashboard/).
Use the `/credit/rewards/configurations` endpoint to manage the global configurations for a reward program. The global configurations for a reward account are defined in the reward policy on the reward account’s associated bundle.
For the endpoint reference, see [Retrieve global configurations](/core-api/credit-reward-global-configurations/#retrieve_global_config).
Reward accounts
Use the `/credit/rewards/accounts/{reward_account_token}` endpoint to manage reward accounts and track rewards balances, accruals, and entries on a credit account. The configurations for a reward account are defined in the reward policy on the account’s associated bundle. To receive webhook notifications when reward accounts and reward entry events occur, see [Credit reward entry events](/core-api/event-types/#_credit_reward_entry_events) in [Event Types](/core-api/event-types/).
For the complete reward accounts endpoint reference, see [Reward Accounts](/core-api/credit-reward-accounts/).
**Note**\
If you are using an external reward account and not Marqeta’s, you can post rewards using the [Account Rewards](/core-api/credit-account-rewards/) endpoint. This ensures that your rewards appear in account statements.
Reward Rules Management
Use the `/credit/rewards/rules` endpoint to manage and monitor the rules configurations for a reward program. The configurations for global rules for a reward account are defined in the reward policy on the reward account’s associated bundle.
For the endpoint reference, see [List rules configurations](/core-api/credit-reward-rules-management/#retrieve_rules).
Reward accruals
Reward balances accrue on an account when cardholders make purchases that qualify for rewards. Qualifying purchases are defined in the reward program’s rule configurations.
Each time a qualifying purchase is made, a reward entry linked to that purchase is created. Marqeta sends a webhook notification whenever a reward entry is created. For more on the reward entry event types that trigger a notification, see [Credit reward entry events](/core-api/event-types/#_credit_reward_entry_events).
To retrieve reward entries on a reward account, send a `GET` request to the `/credit/rewards/accounts/{reward_account_token}/entries` endpoint. Each object returned in the array contains the same data that was in the webhook notification sent when the reward entry was created. For the endpoint reference, see [List reward entries](/core-api/credit-reward-accounts/#retrieve_reward_account_entries).
The **reward entries balance** is the amount of reward entries that have accrued in a billing cycle.
To retrieve the reward entries balance within a specified date range, send a `GET` request to the `/credit/rewards/accounts/{reward_account_token}/entries/balance` endpoint and pass the `start_date` and `end_date` in the query parameters. For the endpoint reference, see [Retrieve reward entries balance](/core-api/credit-reward-accounts/#retrieve_reward_account_balances).
**Reward account balances** are the net, pending, and total reward balances on a reward account. Rewards accrued in pending and cannot be redeemed until they are posted. At the end of the billing cycle, the amount that is pending moves to the total balance bucket and can be redeemed.
To retrieve the reward account balances on an account, send a `GET` request to the `/credit/rewards/accounts/{reward_account_token}/balances` endpoint. For the endpoint reference, see [Retrieve reward account balance](/core-api/credit-reward-accounts/#retrieve_reward_account_balances).
Reward redemptions
Use the `/credit/rewards/accounts/{reward_account_token}/redemptions` endpoint to the manage reward redemptions on a credit account. To receive webhook notifications when reward accounts and reward entry events occur, see [Credit reward entry events](/core-api/event-types/#_credit_reward_entry_events) in [Event Types](/core-api/event-types/).
Once posted, you can allow the account holder to redeem the reward balance in one of the following ways:
* External – You issue the redemption on your own external platform and Marqeta adjusts the reward program balance on the Marqeta platform.
* Statement credit – Marqeta issues the redemption as a statement credit on the account.
To redeem a reward, send a `POST` request to `/credit/rewards/accounts/{reward_account_token}/redemptions` endpoint with the `type` field defined as `EXTERNAL` or `STATEMENT_CREDIT`.
For the complete reward redemptions endpoint reference, see [Reward Redemptions](/core-api/credit-reward-redemptions/).
Each time a reward redemption is made, a reward entry linked to that purchase is created. Marqeta sends a webhook notification whenever a reward entry is created. For more on the reward entry event types that trigger a notification, see [Credit reward entry events](/core-api/event-types/#_credit_reward_entry_events).
Reward Conversions Management
Use the `/credit/rewards/conversions` endpoint to manage the reward conversion rates for reward redemptions.
Marqeta only manages rewards conversion rates for redemptions managed by the Marqeta Rewards Platform: for example, `STATEMENT_CREDIT`. The Marqeta Rewards Platform does not manage redemptions in which the rewards balance is redeemed for conversion through a third-party system. Conversions for `EXTERNAL`-type redemptions are not managed by the Marqeta Rewards Platform either.