Abstract: Fully funded reward program that rewards businesses that purchase goods and services from member merchants by depositing a portion of the purchase price in a bank account which may only be used to fund travel for the business. A method includes establishing a network of sellers and buyers in which the buyers receive a sales based reward and the sellers pay a sales based commission to an administrator. The administrator is unaffiliated with either the buyers or the sellers. The sales based commission is divided between a buyer component, which becomes the sales based reward, and an administrative component. The buyer component is deposited into a segregated reward bank account such that the balance in the reward bank account is fully funded.