Frequently Asked Questions
What is net dollar spent?
Rewards points are earned on net purchases only. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details.
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 cardmenber 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, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.

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