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 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 the merchant category code of supermarkets. The number of additional points earned on supermarket purchases is unlimited. In addition, you will 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 any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12 month period commencing on the anniversary date of this account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12 month period) will earn at a rate of 1 point for each dollar of net purchases charged to your account during each billing cycle. Merchants are assigned category codes by American Express based on what they primarily sell. A purchase will not earn additional points if the merchant’s code is not in an eligible category. We do not determine the category codes that merchants are assigned, but we do reserve the right to determine which purchases qualify for additional points. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to make the purchase. The number of points that may accumulate in any monthly billing cycle for your account 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 that I earn additional rewards in change throughout the year?
No. Unlike other reward cards, you don't need to keep track of changing categories. In addition to earning points on all of your 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 Online, the cardmember will click "Browse Rewards" to begin redeeming points.
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.
What is a chip-enhanced card?
A chip-enhanced Card has an embedded microchip. The chip allows you to pay at international merchants where chip cards are the standard. Plus, it provides strong security and protection against fraud.
Can I use my chip-enhanced card for everyday domestic transactions?
Yes. In addition to the embedded microchip, the Card has a magnetic stripe on the back. That way you can continue to make purchases by swiping your Card and signing the receipt.

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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