Complex sentence: The PayPerks program is open to all Direct Express cardholders, providing a rewards model that combines education and incentives to encourage positive spending changes, while earning points that can be used for rewards and chances to win prizes.
Split into simpler sentences: The PayPerks program is open to all Direct Express cardholders. It provides a rewards model that combines education and incentives to encourage positive spending changes, while earning points that can be used for rewards and chances to win prizes.