Note: 5,000 points can be redeemed for a $50 check.
You will earn 1 point for each $1 of net purchases. You will earn an additional 2 points for each $1 of net purchases made at retail establishments that classify their merchant location for Visa/MasterCard in any of the following categories: gas, dining, hardware stores, home improvement stores, and office supply stores. We do not determine whether merchants correctly identify and bill transactions as being made at locations in each particular category. However, we do reserve the right to determine which purchases qualify for the additional 2 points. Purchases not eligible to receive the additional 2 points include, but are not limited to, purchases made at superstores, warehouse clubs, discount stores, and their affiliates. Online and catalog purchases are not eligible to receive the additional 2 points unless the merchants have correctly identified and billed the transactions. You do not earn points on balance transfers, cash advances, any checks that are used to access your account, travelers checks, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. Maximum point accumulation on net purchases earning the additional 2 points is 4,000 points per billing cycle, which equates to $2,000 in net purchases. There is no maximum accumulation on net purchases earning 1 point. See Rewards Program Rules and Regulations which will be mailed after your account is established.