Frequently Asked Questions
How do I earn rewards?
You will earn 1 reward point ("point") for each dollar of net purchases (purchases minus credits and returns) charged to your account during each billing cycle. You will also earn 2 additional points (for a total of 3 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in the merchant category code as office supply stores or cellular phone, land line, internet and cable TV services. In addition, you will earn 1 additional point (for a total of 2 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations and restaurants. The number of additional points earned on office supply stores, cellular phone, land line, internet and cable TV services, automated fuel dispensers, service stations and restaurants is unlimited.
What is net purchase?
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 the categories in which I earn additional rewards change throughout the year?
No. Unlike some other reward cards, you don't need to keep track of changing categories. In addition to earning points on all of your net purchases, you'll automatically earn extra points when you spend in the categories stated above.
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 www.myaccountaccess.com. 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 www.myaccountaccess.com.
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.

Column: OAD E EPROD BLD / OAD.17.08_Build_29