ucÆåÅÆ

Redeem any amount, any time.

CASH

Deposit any amount into your bank account or apply to your ucÆåÅÆ bill as a statement credit.

Pay with Rewards

NEW PARTNER ADDED

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Redeem rewards through Amazon.com2, Apple Pay®3, Ìýand with PayPal4.ÌýWhen using Pay with Rewards with Apple Pay, pay with your card online or in-app, then get a statement credit in the amount you choose to redeem.

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GIFT CARDS

Get gift cards starting at only $5. Plus get an added bonus on every card!

CHARITY

Make a difference and donate to a charitable cause.

Get the treatment you deserve with ucÆåÅÆ it.

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  1. Rewards Redemption:ÌýRewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed or if you have not used it within 18 months. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Any gift card must have a minimum value of at least $5.00 to be redeemed.
  2. Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Amazon.com see . Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the ucÆåÅÆ Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the ucÆåÅÆ Card from which the rewards were applied or an Amazon.com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than ucÆåÅÆ or another ucÆåÅÆ credit card enrolled in Shop with Points in conjunction with the rewards transaction.
  3. Use Rewards with Apple Pay:The full dollar amount of the transaction will be charged to your ucÆåÅÆ Credit Card and a corresponding credit for the amount of Rewards you choose to redeem will be credited to your ucÆåÅÆ Card account as a statement credit that will post to your account within 72 hours. Per your cardmember agreement, you may be charged interest on the purchases that are charged to your credit card. We begin to impose interest charges on purchases from the day we add it to the daily balance. The statement credit applied to your credit card account only covers the redemption amount and does not cover any interest charges that accrue on the purchase. Statement credits may post in a different billing cycle than the corresponding credit card transaction. When using Pay with Rewards, your ucÆåÅÆ Card must have an available credit amount equal to, or higher than, the amount of your credit card transaction. Your ucÆåÅÆ Card also must have an available Rewards balance. If your available Rewards balance is less than the amount you requested to redeem at the time we process your Rewards redemption, we will process the redemption using your available Rewards balance. All transactions are subject to the merchant’s standard refund and return policies. Pay with Rewards redemptions are final, non-refundable and non-reversible. Redemptions expire if merchants do not authorize on your card within 24 hours of checkout. ucÆåÅÆ does not control when merchants choose to authorize. To use Pay with Rewards, you must enroll an eligible ucÆåÅÆ Card and accept the Pay with Rewards terms and conditions. To use this feature, you must have an iPhone or iPad updated to the latest software version. Pay with Rewards is only available on eligible ucÆåÅÆ Card types. Pay with Rewards is limited to eCommerce transactions conducted online and in-app. Your available Rewards balance and other data may be delayed due to a variety of factors, including internet service. Pay with Rewards is only available to U.S. users. For complete details on how to Pay with Rewards, see link toTerms and Conditions. See Rewards Program Terms and Conditions for more information.
  4. Use Rewards with PayPal: For complete details on how to Pay with Rewards with PayPal see . Pay with Rewards will be available for eligible credit cards on eligible purchases or can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, . All reward redemptions are subject to ucÆåÅÆ’s reward program terms.ÌýTo redeem your rewards at checkout, you must select the ucÆåÅÆ Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you must use the ucÆåÅÆ Card from which the rewards were applied to pay for the remainder of your purchase. You may not use a credit card from an issuer other than ucÆåÅÆ or another ucÆåÅÆ credit card enrolled in Pay with Rewards in conjunction with the rewards transaction.

    Paypal, and the PayPal logo are trademarks of PayPal and its Affiliates.