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Visa Rewards

Earn rewards on every purchase
Visa Rewards
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Visa Rewards

Earn rewards on every purchase
Purchase APR
Balance Transfer Fee
Annual Fee
Foreign Transaction Fees

9.90% - 17.90%

No Fee

$0

No Fee

Purchase APR
9.90% - 17.90%
Balance Transfer Fee
No Fee
Annual Fee
$0
Foreign Transaction Fees
No Fee

uChoose Rewards gives you more flexibility and choice than ever when it comes to redeeming your rewards points. You can choose from things like merchandise, travel experiences and activities, event tickets, merchant gift cards, and more, so you're sure to find something you'd like.

 

 

FREQUENTLY ASKED QUESTIONS

 

Q. What is uChoose Rewards?
A. It’s a rewards program that earns you points every time you use your Visa Rewards. Redeem your points for any reward of your choice from a vast online catalog.

 

Q. How do I get started?
A. Visit uChooseRewards.com. Click the Register link (under New to uChoose Rewards) and follow the prompts to create your User ID and password.

 

Q. How do I earn points?
A. You earn points every time you use your card, plus earn additional points for shopping at participating retailers, in-store or online through uChooseRewards.com.

 

Q. How can I track my points?
A. We keep track of your points for you – just register at uChooseRewards.com and check your points balance anytime right on the homepage!

 

Q. What can I get when I redeem my points?
A. It’s your choice! You can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards and more.

 

Q. Will I earn points with all of my cards?
A. Yes! All cards within an account automatically earn points together. In addition, if you have multiple
credit cards with , you can link them together to earn rewards faster. Just log in at uChooseRewards.com, then visit the Preferences page and scroll down to Learn how you can Link Another Account to your Program.

Application And Solicitation Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases

9.90% - 17.90%

The APR is based upon credit worthiness. Rate will be disclosed when approved.

APR for Balance Transfers

9.90% - 17.90%

The APR is based upon credit worthiness. Rate will be disclosed when approved.

APR for Cash Advances

9.90% - 17.90%

The APR is based upon credit worthiness. Rate will be disclosed when approved.

Penalty APR and When it Applies

18.00%

This APR may be applied to your account if you make a late payment twice in any six (6) month period.

 

How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period.

How to Avoid Paying Interest
on Purchases

Your due date is at least 27 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

None

For Credit Card Tips from
the Consumer Financial Protection Bureau.

To learn more about factors to consider when applying for or using a credit card, visit the website of the Credit Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees
ANNUAL FEE
None
TRANSACTION FEES
Balance Transfers
None
Cash Advance
None
Foreign Transaction
None
PENALTY FEES
Late Payment
$20
Return Payment
$15

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).” See your credit card agreement for more details.

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