The Benefits Card Hub works with your Health Flexible Spending Account (FSA), Health Savings Account (HSA), Dependent Care FSA, and commuter benefits accounts. You can view balances, submit claims for reimbursement, manage transactions, and more.
Before you begin, make sure you have:
Enrollment in at least one pre-tax benefit account: Health Flexible Spending Account (FSA), Health Savings Account (HSA), Dependent Care Flexible Spending Account (DCFSA), or commuter benefits
Your current home address on file with Gusto
You can sign in to the Benefits Card Hub or recover a lost password or username.
Note: If you left your company and did not register for the Benefits Card Hub during your employment, you can still register, but you need to first contact Gusto to request your registration ID.
To access the Benefits Card Hub for the first time:
Click Benefits.
Click the name of any pre-tax benefit account you currently have—FSA, HSA, DCFSA, or Commuter Benefits.
Under Benefits Card Hub, copy your Registration ID.
Click Sign In to open the Benefits Card Hub.
Click Register.
Enter your date of birth and the Registration ID you copied in Step 4.
Fill out the remaining fields on the next page.
To avoid paper statement fees, select Go Paperless.
We’ll send a verification email to the address you provided. Follow the steps in the email to finish registering.
Go back to your Benefits Card Hub and click Cards.
Follow the prompts to verify your identity. This step is a security requirement, so we cannot bypass it.
Once you register for the Benefits Card Hub, you can sign in using this link or from your Gusto account.
To get there from your Gusto account:
Click Benefits.
Find any pre-tax benefit account you currently have: FSA, HSA, DCFSA, or Commuter Benefits. Click View.
Click Open Benefits Card Hub.
If you do not know your password or username for the Benefits Cards Hub, follow the steps below to change or recover it.
Click Benefits.
Click the name of any pre-tax benefit account you currently have: FSA, HSA, DCFSA, or Commuter Benefits. and
Click Sign In to open the Benefits Card Hub.
Click Forgot password or Forgot username.
Forgot password will prompt you to enter your username.
Forgot username will prompt you to enter your email.
You’ll receive a code via email. Follow the instructions in the email to recover your username or change your password.
Learn when to expect your Gusto benefits card, how to order a card for a dependent, and how to lock or replace your card.
We will mail your Gusto benefits card to your home address on file with Gusto after you complete enrollment into a pre-tax benefit (FSA, DCFSA, HSA, or commuter).
Once mailed, your card should arrive within 7–10 business days in a plain envelope from Gusto. Sign in to the Benefits Card Hub if you need to report your card lost or stolen. There is no way to track the card in the mail, but you can view the card’s status and the mail date by signing in to the Benefits Card Hub.
You will only get one card, even if you are enrolled in multiple pre-tax benefit accounts. The card will automatically apply expenses to the appropriate account.
If you have dependents enrolled, you may also receive individual debit cards for them. If you do not want to use these cards, read the Lock, close, or replace a Gusto benefits card section below.
You need to activate your Gusto benefits card before you can use it. You can activate it by phone or online in the Benefits Card Hub.
You'll set up a PIN during activation, but note that no vendors should require a PIN.
Activate your card by phone
Call the number on your card's activation sticker.
You'll be asked to provide the following information:
Card number
The zip code of your home address on file with Gusto
Date of birth in MM/YYYY format
Activate your card online in the Benefits Card Hub
To activate your card online:
Click Cards.
Activate your card.
Once you activate your card, you can add it to your mobile wallet. Choose your phone provider for instructions:
If you need help adding your card, contact your mobile wallet provider.
If an error message directs you to contact Gusto when adding your card to mobile pay, we can help.
To contact us, sign in to your Gusto account and click the help icon in the top-right corner of the page.
To establish a PIN, call 877-315-3483 and select option 2.
You need the following information:
Card number
The zip code of your home address on file with Gusto
3 digits on the back of the card
Date of birth in MM/YY format
Note: You should not need a PIN. Always check out using the credit option. If prompted for a PIN, always try to bypass the option. Most vendors do not require a PIN to complete a transaction, even if prompted.
You will only get one card, even if you are enrolled in multiple pre-tax benefit accounts. The card automatically applies expenses to the appropriate account.
You can request a Gusto benefits card for eligible dependents. Before you order a dependent card, understand these two key points:
Your dependent will have access to all of your accounts. Make sure your dependents only spend eligible funds. For example, you cannot use your commuting funds to pay for your dependent’s commuting expenses.
You are responsible for managing your dependent’s card status. If you remove a dependent from your benefits in Gusto or no longer want them to access your accounts, you need to update their card status in the Benefits Card Hub.
To request a Gusto benefits card for your dependent:
Click Cards.
Click Add Card.
Choose your dependent.
Note: If your dependent is not listed, add them: In the top-right, click on your initials. Choose Manage Account, then go to Dependents.
You can lock, close, or replace a Gusto benefits card if it's lost or stolen, or if you no longer want your dependent to have an active card.
To lock a card:
Click Cards.
Under the card you'd like to lock, click Lock Card.
To close a card:
Click Cards.
Under the card you'd like to lock, click Close Card.
To replace a card:
Click Cards.
Under the card you'd like to replace, click Replace Card.
Choose your replacement reason and click Submit.
Once your account is active and funded, you can access the money. You can spend the money on eligible expenses by either using your Gusto benefits card, submitting an expense for reimbursement, or paying a bill directly.
To find all the information related to your pre-tax benefits account:
In the left-side navigation, click My Accounts.
The accounts homepage displays all your accounts. You can filter by account status.
Click the name of any account to view more information about it.
This is where you can check your election, balance, account activity, important spending dates, and more.
You can choose to be reimbursed by check, direct deposit, Venmo, or PayPal.
To set up or change your reimbursement method:
In the top-right corner, click on your initials.
Click Manage Account.
Click Reimbursement Options.
Choose Add Payment Method.
Fill out the prompts, and you’re ready to start getting reimbursed.
Bank account verification takes 2–3 business days.
If you paid out of pocket for an eligible expense, you can submit it for reimbursement as long as you received the service during your coverage period, and the final date to submit claims has not passed.
To submit an expense for reimbursement:
Choose Reimburse Me.
Upload your receipt, bill, or explanation of benefits (EOB).
Review the information on the next page. If everything looks correct, you can submit the request. If anything needs to be corrected, you can edit the field directly.
Choose your reimbursement method and submit the request.
If we can validate the information immediately, your claim will be approved right away. If we need to review more, you’ll get an email when we’ve processed the claim. This typically takes 3–5 business days.
Get reimbursed
If your claim is approved, you’ll be reimbursed using the reimbursement method you selected above.
Here's how we send the reimbursement, based on the method you've chosen:
Check: We’ll mail a check to your home address in a plain envelope. If the check has not been cashed, you can update your reimbursement method to direct deposit, Venmo, or PayPal in the Benefits Card Hub.
Direct deposit: Your chosen bank account will receive the ACH within 1–3 days. It will appear on your bank statement as “Gusto PayClaim.”
Venmo or PayPal: We’ll send payment instantly from “Elevate” to your Venmo or PayPal account. You’l pay a fee of $1 per transaction for this service.
Submit an expense for reimbursement after leaving your company
If your benefit has a runout period, you may have extra time to submit claims for qualifying expenses you had during your employment. You can confirm your last day to submit an expense in the Benefits Card Hub.
If you did not register for your Benefits Card Hub during your employment, contact Gusto for help.
If you receive a bill for an eligible expense, you can pay it via check directly from your associated pre-tax benefit account.
If you've already paid the bill and want to be reimbursed, read the Submit an expense for reimbursement section above.
To pay a bill:
Choose Pay a bill.
Upload your receipt.
Review the information on the next page. If everything looks correct, submit the request.
If we can identify all the required information in your receipt, we’ll automatically approve your claim and mail a check to the provider. If not, we’ll manually review the claim within 3-5 business days. You’ll get an email once we’ve reviewed and processed the claim.
Note: Checks expire after 180 days. You’ll get an email if a check is about to expire. If an expiring check was sent to your provider, contact them first about the payment.
Using your card
Once you’ve activated your Gusto benefits card, you can use your card to pay for eligible expenses. You can swipe the card at a physical location or used online.
When used online, the billing address will be the address on file in the Benefits Card Hub.
You can only use pre-tax benefit cards for certain types of transactions. If a merchant's Visa code is not on the IRS's list of approved merchant codes, the card transaction will be denied. You'll need to pay out of pocket and then submit the expense for reimbursement from your pre-tax account.
Keep your receipts
You should always keep the receipt for each card transaction. You may need it if the transaction is denied and you need to submit the expense for reimbursement. You may also need it if an approved transaction later requires more documentation.
Handle denied transactions
If your transaction is denied, you’ll get an email (or text if you have opted in) with more information about why it was denied. If it's an issue you can resolve, you can try the transaction again. You can also complete the transaction using a personal card and then submit the expense for reimbursement.
To view and manage your contributions in the Benefits Card Hub:
In the left-side navigation, click My Accounts.
Click the name of the account you'd like to manage.
To manage contributions or view approved transactions and claims: Go to Activity.
To view and manage expenses, including denied card transactions and claims: Go to Expense Details.
Once there, you can filter expenses by status, category, and time period.
If an expense requires action, we’ll notify you by email. You'll also find a notification on your Benefits Card Hub homepage.
The most common expenses that will require action are FSA and DCFSA transactions. The IRS requires that we adjudicate some FSA or DCFSA card transactions with documentation to make sure they're eligible. If your FSA or DCFSA transaction requires more documentation, you’l get an email.
Under Recent Notifications, click All Notifications.
If an expense needs your attention, you’ll find an Expense Activity Update - Action Required notification. Under Actions, click Go to page.
You can also find this by choosing Expense Details on the left-hand navigation bar. Then filter for expenses with a status of Needs help.
Once you are on the expense that requires action, check under Activities for a note explaining what is needed.
If you're prompted to provide more documentation for an expense, click Upload Document.
FSA documentation requirements
Provider name: The name of the facility or doctor who provided the service or the name of the store where the item was purchased.
Patient name: The name of the person who received the service or bought the item.
Dates of service: The dates when the services were performed or the purchase was made.
Note: the bill date is not the same as the date of service.
Cost of service: The amount of the service or item after insurance payments. We will not approve receipts that show “estimated insurance payments”.
Summary of services rendered:
A summary of the services performed or items purchased.
DCFSA documentation requirements
Dependent name: This must be an eligible dependent who is listed as a claimant in your Benefits Card Hub
Name of the service provider: The name of who is providing the care, such as the daycare, summer camp, or babysitter,].
Address of the service provider
Social Security number or tax ID of the service provider
Date of service: Remember that future dates of service are not eligible for reimbursement. You need to wait until the service has been provided.
Description of services received
Cost of service
You have 60 days from the date of a transaction to dispute it for fraud. After 60 days, the transaction cannot be disputed. If you have a transaction you need to dispute, fill out this form.
What happens next?
We’ll review your dispute within 3-5 business days. After the initial review, if we deem it eligible for dispute, we’ll apply a provisional credit within 5-7 business days. If we approve the dispute, the credit will remain. If the dispute is denied, the credit will be removed. In total this typically takes around 60 days.
Choose a section below to update your personal information or manage your dependents' information.
We’ll automatically update most of your personal information in the Benefits Card Hub after you update it in Gusto. You can only update your email address and phone number in the Benefits Card Hub.
Change your email
By default, we use the email address you have on file with Gusto.
To use a different email for Benefits Card Hub notifications:
In the top-right corner, click on your initials.
Click Manage Account.
Go to Communication Preferences.
Under Email, click Edit.
Edit your email address and click Next.
You may need to enter a verification code.
Opt in to text message notifications
If you'd like to get text message notifications for your account, add a phone number.
To add a phone number:
In the top-right corner, click on your initials.
Click Manage Account.
Go to Communication Preferences.
Under Text messages, click Edit.
Add your phone number and click Next.
We automatically add any dependent you’ve added in Gusto for your benefits to your Benefits Card Hub. You can also add a dependent to the Benefits Card Hub yourself.
Here's why it may be helpful for a dependent to be listed in your Benefits Card Hub:
When you submit an expense for reimbursement, they will show up as a claimant option.
You may be able to issue them a card, depending on their age. For more information, read the Request a Gusto benefits card for a dependent section above.
To add a dependent:
In the top-right corner, click on your initials.
Click Manage Account.
Go to Dependents.
Click Add Dependent.
Enter your dependent's information and click Add Dependent
To edit a dependent's information:
In the top-right corner, click on your initials.
Click Manage Account.
Go to Dependents.
Find the dependent you'd like to edit and click the three-dots icon.
Click Edit and enter the information.
Click Save.
To remove a dependent:
In the top-right corner, click on your initials.
Click Manage Account.
Go to Dependents.
Next to the dependents you'd like to remove, click the three-dots icon.
Click Remove.