Frequently Asked Questions
How does the 50% monthly points bonus work?
Each month you will earn 1 point per net dollar spent on all your purchases.  In addition, every month, you will automatically receive a bonus equal to 50% of the total points you earned in that month from your net purchases. So, in total, you will earn 1.5 points for your net purchases, and you'll see the bonus portion of your monthly points total displayed separately in the rewards section of your monthly statement.
What is net dollar spent?
Reward points are earned on net purchases only.  Net purchases include all purchases minus any credits posted to the account for returns during the billing cycle.
Do I need to do anything to get the monthly bonus points?
No.  Unlike other reward cards, your Bonus Rewards card gives you more rewards, not more rules.   You'll earn bonus points every month, automatically.  There's no need to opt in to the program, and no limit on the spend categories that quality.
How can a cardmember redeem points?
A cardmember can call the Rewards Center at 1-888-229-8864 or go online to the Rewards Center at  Online, the cardmember will click the "Check Your Rewards" link to begin redeeming points.
How may a cardmember purchase reward points?
A cardmember may purchase points at a rate of $0.03 per point. There is a 500 point purchase minimum, points can only be purchased in increments of 100, and there is an annual cap of 20,000 purchased points. A cardmember must use their Rewards card when purchasing points. Points can be purchased by calling the Rewards Center at 1-888-229-8864 or through the online Rewards Center at
How long will points remain in a cardmember's account?
Any points earned will remain in the cardmember’s account for five years to the end of the quarter in which they are earned. When points are redeemed, the earliest earned points are used first.
If a cardmember closes a rewards account, can points still be redeemed?
No. A cardmember’s account must be open and in good standing in order for rewards points to be redeemed.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

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