Rewards Credit Card

To Register, Login, or View This Month's UChoose Rewards Featured Offers

Go to uChoose Rewards!

What is APR?

• Can a balance transfer give me points?
  

  Points are accumulated by purchases only, however you do have the option of performing a balance transfer with our Convenience Checks (rewarding you with points), though this would exclude you from any Balance Transfer specials.

• Are there help resources online for UChoose Rewards?
  

  Yes, through the UChoose site, there is live chat, a Contact Us email submission form, and a nice FAQ.

• What are the cycle end dates and due dates for the Rewards Visa?
  

  Cycle End – 25th   Due Date -  22nd

• What are the max and min limits for the Rewards Visa?
  

  Click here for Visa Disclosures

• How do I check my point accumulation?
  

  By logging into Online Banking, clicking on your credit card, clicking on ‘MyVisa’, and clicking on the ‘UChoose Single Sign On’ link.

• How many points does a member accumulate per $1 spent on the Rewards Visa?
  

  Members earn 1 point for every $1 spent. This can be increased with specific offers from retailers. These specials currently go up to 25 points per $1 spent with some online retailers.

• If the primary card holder activates the card rewards and the joint card holder does not, do both card holders accumulate points as they spend?
  

  Yes!

• Do my points expire?
  

  Points expire 3 years after you earn them. There is a warning for expired points on the site when you get within 60 days of expiration.

• When redeeming points, can I have the item sent somewhere besides the address CFCU has?
  

  Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.

• Can I return my redemption item?
  

  In some cases, yes. You will have to submit your specific question online at the UChoose site for specifics.

• What happens to my points if my card is lost or stolen?
  

  If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on the website with your new card.

• Can I purchase points if I am close to being able to redeem for an item I really want?
  

  No, you cannot purchase the balance of the points you need. You must earn the required points needed to redeem for an item.

• Do my rewards points show up immediately?
  

  It can take up to 60 days for your points to be credited to your account.

• How do I start earning points?
  

  To start earning points, you must activate your rewards. Do so by going into Online Banking, clicking on your Rewards Card, click on the new MyVisa Online link, and clicking on the UChoose Single Sign On link (pop-up blocker must allow this pop-up), confirm your e-mail address, and click on 'Register for Single Sign on'.

• Where can I earn rewards credit card points?
  

  You earn points everywhere your card is accepted.

• What is UChoose Rewards?
  

  UChoose Rewards is a rewards program where you earn points for shopping or using your CFCU Community Credit Union Rewards Card, then redeem your points for anything of your choice from a huge online rewards catalog.

• Can I change my Platinum Rewards Card to a Rewards Visa Card?
  

  No. A member will need to re-apply for the Rewards Card.

  Click here to apply

• Can I use my debit and credit cards overseas? Are there fees to do so?
  

  Yes you can use your debit and credit cards overseas. However, you must contact CFCU ahead of time to place a travel note on your account. There is a 1% currency conversion fee.

  Note: Certain Countries have restrictions. Contact us for more information.

We have another great benefit of membership for you...the Standard VISA protection package! These great services are offered free to CFCU VISA cardholders!

Features and Benefits:

Travel and Emergency Assistance Services:

• Emergency Message Service - can record and relay messages for travelers, immediate family, or business associates
• Medical Referral Assistance: Provides medical referral, monitoring and follow-up. The benefit administrator can give you names of doctors, arrange contact and help monitor condition.
• Legal Referral Assistance: arrange contact with an attorney and if needed, can arrange to have bail paid from your VISA account.
• Lost Luggage Locator Service
• Emergency Ticket Replacement
• Prescription Assistance

Auto Rental Collision Damage Waiver:

Provides Reimbursement  for damage due to collision or theft up to the actual cash value of most rental vehicles.

Travel Accident Insurance:

An accidental death and dismemberment policy with a principal sum of 400,000!

Warranty Manager Service:

Offers warranty registration and extended warranty protection. This service doubles the period of repair service up to one additional year on eligible warranties of three years or less.

More information and disclosures!

What is Apple Pay and how does it work?

To use Apple Pay for purchases in-store, you must first add your eligible debit or credit card(s) on your iPhone® 6 or Apple Watch™ 5 or 6 using the Passbook application running on iOS 8.1 or later. Once your card has been added, you can hold your device near the contactless reader. Then, place your finger on “Touch IDTM” and hold the iPhone near the reader until you see “Done” and a checkmark on your screen which indicates that your payment is complete. If “Touch ID” doesn’t work, or you do not have it enabled, you will need to enter your device passcode. To use Apple Pay for purchases within participating merchant apps (or in-app), you must first add your eligible card on your iPhone 6, Apple Watch 5 or 6, iPad® Air 2 or iPad miniTM 3 in “Settings” on your device.

Once your card has been added, look for the “Apple Pay” button at checkout. Simply tap the “Apple Pay” button and review your payment information and contact details to complete your purchase. You will see “Done” and a checkmark on the screen when your payment is complete.

How can I add my card to Apple Pay?

To add an eligible card(s) on iPhone 6, Apple Watch, iPad Air 2 or iPad mini 3, go into “Settings,” open “Passbook & Apple Pay” and select “Add Credit or Debit Card.” On iPhone, you can also open the Passbook app to add a card.

When adding your card, you can choose to add the card you already have on file with iTunes® or add new cards by manually entering your card information or taking a picture of your card.

Which devices are eligible for Apple Pay?

In order to use Apple Pay, you need to have iPhone 6 , iPhone 6 Plus, or Apple Watch 5 or 6 running on iOS 8.1 or later for contactless and in-app payments. You can use iPad Air 2 and iPad mini 3 for in-app payments only.

Where can I use Apple Pay?

You can use Apple Pay to make payments in stores with your iPhone 6 wherever contactless payments are accepted. Just look for the contactless and/or Apple Pay symbol at checkout. You can also use Apple Pay in participating merchant apps with iPhone 6, Apple Watch 5 or 6, iPad Air 2 and iPad mini 3. Look for the “Buy with Apple Pay” or “Apple Pay” button at checkout within the apps.

Visit Apple (www.apple.com/apple-pay) for a recent list of merchants where payments are accepted.

What is a Device Account Number and how is it different from my card number?

For your security, when you add your eligible card to Apple Pay, a Device Account Number – separate and unique to your device – is created. Your Device Account Number, instead of your real card number, is used to make purchases using Apple Pay. Merchants do not store your card number.

How many cards can I put on my device?

At this time, Apple allows up to eight cards on a device.

Can I put my credit or debit card on multiple devices?

Yes, you can add your card(s) on up to 10 devices. For each of your devices, you will need to add your card(s) by visiting the “Passbook & Apple Pay” section in your device “Settings” or the Passbook app. You’ll be notified when your card is added to each device.

Can I remove my card from my device?

You can remove your card by selecting “Remove Card” in the “Passbook & Apple Pay” section in your device “Settings” or on the back of your card in the Passbook app by tapping on the ‘i' (information) symbol. You can also visit www.icloud.com/settings to remove your card or use the Find My iPhone app to temporarily suspend or permanently remove the ability to pay with your cards on your device.

How are refunds handled with an Apple Pay purchase?

If you need to make a return for a purchase made with Apple Pay, you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for each card, visit the “Passbook & Apple Pay” section in your device “Settings” or look in the Passbook App Info.

How can I delete my card if my device is lost or stolen?

If you believe your device or Apple Pay card information has been lost, stolen or compromised in any way, call us immediately at CFCU. You can also go to www.icloud.com/settings or the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline.

Why does my Apple Pay work differently at different stores?

One of the features of Apple Pay is that is integrates with a merchant's existing card processing system, and since many merchants have different systems, you will have a different experience at different merchant locations.  Many merchants are still working on training their own staff on how Apple Pay works on their own terminals, so you may still come across situations where the merchant's staff is unsure of how it works, or is new to the process as well. 

Will CFCU be offering Samsung or Android Pay?

We are currently working with our providers to determine when these platforms will be available to CFCU. We will continue to keep you updated on our progress as we understand this is important to Android and Samsung users!

For more information about Apple Pay, contact CFCU!