BankAmericard Travel Rewards Program Rules

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "BankAmericard Travel Rewards Program Rules"

Transcription

1 BankAmericard Travel Rewards Program Rules BankAmericard Travel Rewards credit card customers are automatically enrolled in the BankAmericard Travel Rewards program ( the Program ) at no additional cost. FIA Card Services, N.A. (also referred to as our, us or we ) sponsors the Program. Each Cardholder, joint Cardholder and authorized user(s), if any, (referred to as Cardholder(s), Participant(s), you or your with a BankAmericard Travel Rewards credit card account ( Card ), may earn and use points ( Point(s) ) to obtain the following types of rewards ( Rewards ): travel credits; merchandise, gift cards or gift certificates; charitable donations; cash ( Cash Rewards ). A complete selection of Rewards is displayed online at bankofamerica.com/travelrewards (the Site ). Review and keep this document ( Program Rules ). The Program Rules are separate from the terms of your Credit Card Agreement. From time to time we may change the Program Rules. When any change is made, we will post revisions at the Site and/or we will notify you in writing, as applicable. It is your responsibility to review the Program Rules to be aware of any changes. General Terms 1. To participate in the Program, you must (a) maintain a Card that is open and has charging privileges and (b) be an individual (no corporations, partnerships or other entities). 2. Point earnings are based on the new net retail purchase transaction volume (i.e., purchase less credits, returns and adjustments) charged to the Card during each periodic billing cycle ( Billing Cycle ) by the Participant(s) ( Net Purchase(s) ). Earn 1.5 base Points per dollar in Net Purchases charged to your Card each Billing Cycle. You will earn 3 Points per dollar (consisting of 1.5 base Points and 1.5 bonus Points ( Bonus Points )) for the first $6,000 in airline purchases (up to 9,000 Bonus Points) made at the Bank of America Travel Center ( Travel Center ) each calendar year. You will earn base Points for airline purchases in excess of that amount per year. All other purchases made at the Travel Center, excluding insurance purchases, will receive 3 Points per dollar with no limit on the number of Bonus Points per year. If the first named Cardholder on the Card account ( Primary Applicant ) has an open checking, savings or retirement account with Bank of America, N.A., a Cash Management Account, Merill Edge or any other account with Merrill Lynch, Pierce, Fenner & Smith Incorporated or U.S. Trust ("Qualifying Customer Account") the Card account will earn an annual Bonus Points award ( Annual Customer Bonus ) of 10% of the amount of Net Purchases (or 1 Bonus Point for every $10) made with the Card during the year. The Primary Applicant s Qualifying Customer Account must be open at the time of review, which will occur on or around December 31 st of each year. The Annual Customer Bonus will be calculated on the amount of Net Purchases made with the Card from January 1 st through December 31 st each calendar year. The Annual Customer Bonus will appear on your February or March monthly billing statements. Points are calculated at each transaction, rounded to the nearest whole Point and are subject to verification. Balance transfers, cash advances, including purchases of cash equivalents of any kind, purchases made by or for a business or for a business purpose, fees, interest charges, credit insurance, credit protection, or debt cancellation charges and unauthorized/fraudulent transactions do not earn Points. From time to time, special promotions may feature additional opportunities to earn Bonus Points. Details will accompany the offer. 3. For new customers, accrual of Points may begin on the date we mail the Card and the Credit Card Agreement to you. If you are an existing credit card customer and your account is converted to the Program, you may not earn Points until the first day of the Billing Cycle, beginning after you receive the Card(s). 4. Points cannot be redeemed if the account is not in good standing at the time of redemption. In addition, Points accrued during any Billing Cycle in which the account is two cycles or greater past due at the end of the Billing Cycle will not be awarded. 5. The Billing Cycle statement will show your Points earnings. Points are not eligible for use until they have appeared on a Statement. With the exception of their use in connection with obtaining the specific Cash Rewards, Points have no intrinsic cash value, are non-negotiable and cannot be redeemed for any benefit except those Rewards designated by us. Points are not property of any Cardholder or other person, and may not be brokered; bartered; attached; pledged; gifted; sold; or unless specifically authorized by us, transferred to anyone else under any circumstances, including, but not limited to: disability; death; upon operation of law, or in connection with any domestic relations dispute and/or legal proceeding. We shall have no liability for disagreements between Cardholders regarding Points. Discrepancies about Point earnings are not treated as credit

2 card billing disputes: refer to your Credit Card Agreement or the annual Your Billing Rights notice for details about billing disputes. Our decisions regarding Point discrepancies shall be final. Unless specifically authorized by us, Points and rewards may not be combined with other discounts, special rates, promotions, or other reward programs offered by us. Unless specifically authorized by us, Points cannot be transferred between any credit card accounts issued by us. Points and rewards may not be combined with any other entity, including airline frequent flier, hotel frequent guest or other travel-related or membership reward charge or credit card programs, whether in the U.S. or abroad, unless authorized by us. 6. To obtain merchandise, gift card/certificate Rewards or Cash Rewards go to the Site or call the Redemption Center at Redeemed Points are deducted from your Points balance as of the date you request a Reward. Requests to redeem or convert Points may be made by the Cardholder and the authorized user(s), if any. Decisions made by us regarding Points redemption shall be final. Neither FIA Card Services, N.A., nor any of the independent third parties shall have any liability for fulfilling Reward requests in good faith in response to any person claiming authority on your behalf. Merchandise rewards cannot be shipped to P.O. boxes. Gift card/ gift certificate rewards can be shipped to any address you designate, subject to the shipping terms found at the Site or by calling the Redemption Center. For specific information about the fulfillment of Cash Rewards or the conversion of Points, see the section of the Program Rules discussing this category of Reward. 7. Points redeemed for a merchandise reward may be credited back to your earnings only if the Reward is damaged or defective and only in accordance with the procedures we specify. Gift card/certificate rewards are considered fully redeemed once issued. Cash Reward redemptions are final once the request has been made. We shall not be responsible for lost, stolen or undelivered checks. Once a Reward is issued and the value of any transaction(s) forming part of any or all of the Points used to obtain the Reward is either refunded, credited or otherwise rescinded, we may, at our discretion, interrupt the shipment of merchandise, stop payment on any check(s), and/or withhold subsequent Points, or collect any amount(s) you owe, in any appropriate manner, including, but not limited to, the posting of an equivalent dollar debit in the form of a cash advance transaction to your Card. 8. If a Cardholder voluntarily closes the Card or we close the Card, all unused Points are immediately and irrevocably forfeited. We reserve the right to disqualify anyone from participation in the Program, refuse to award or redeem Points, and close your Card if, in our sole judgment, you or any other person(s) using the Card, have violated any of the Program Rules, including but not limited to acts of fraud or other abuse. You are responsible for all transactions and other activities resulting from the use of your credit card account. You must immediately notify us of any actual or suspected unauthorized use of your account. 9. We may, at any time, without prior notice, (a) change, limit, or terminate any aspect of the Program; (b) terminate the Card Program in its entirety; (c) amend the Program Rules, benefits or features, in whole or in part; (d) may discontinue or replace any Reward with a similar one of lesser, equal or greater value; (e) may modify, delete or terminate any or all of the Program, the Program Rules or any portion thereof, any or all of the participating partners (if any), Rewards, benefits or special offers if applicable; or (f) terminate a Cardholder s participation in the Card Program for any reason. Changes may affect outstanding transactions and Points, and may include, but are not limited to, the earnings rate for Points, the number of Points required to redeem Rewards, the number of Points required for any Reward, the type of transactions qualifying for Points, the type or value of Rewards, the expiration date of Points and the maximum number of Points that may be earned per month or year, or otherwise, if applicable. Any of the foregoing actions may be taken even if such actions affect the value of Points already earned. The program is not scheduled to end on a predetermined date. 10. We are not responsible for delayed or lost correspondence sent by U.S. mail or any other form of delivery, including . We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, theft, destruction, or unauthorized access to, or alteration of Points accrued and redeemed or other Program activities. For information about our rights and your responsibilities regarding the online portion of the Program, see the Terms of Use at the Site. 11. Suppliers of goods and services are independent contractors and are neither agents nor employees of FIA Card Services, N.A., Visa U.S.A. Inc., MasterCard International Incorporated, or any of their affiliates; or any group, organization or entity endorsing a credit card program issued by FIA Card Services, N.A. FIA Card Services, N.A. neither offers, endorses, nor guarantees any of the goods, services, information or recommendations provided by third parties to you. 12. Independent third parties manage the merchandise, gift card and certificate Rewards portions of the Program. The Cash Rewards portion of the Program is managed by FIA Card Services, N.A.

3 13. You agree to release FIA Card Services, N.A., the independent third parties, and each of their respective affiliates and subsidiaries from all liability for injury, accident, loss, claim, expense or damages sustained by you, anyone traveling with you or without you, in connection with the receipt, ownership or use of any Reward. The foregoing entities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the Reward. We are not responsible for typographical errors and/or omissions in any Program document. 14. You are responsible for determining any tax liability arising from participation in the Program. Consult your tax advisor concerning tax consequences. The Program is subject to government approval and is void where prohibited by law. All aspects of the Program are governed by the laws of the State of Delaware, without any reference to its choice of law provisions. Travel Statement Credit Rewards You can redeem Points for a statement credit in U.S. dollars to offset qualifying travel purchases ("Travel Credit"). To obtain a Travel Credit visit the Site or telephone us. The redemption value for Points redeemed for Travel Credits may vary and is subject to change. Current Travel Credit values and their respective Points requirements can be obtained by signing into the Site. A Travel Credit will only be available to redeem for purchases from the Travel Center or for qualifying travel purchases made elsewhere as defined by the following merchant category codes ("MCC"): (a). Airlines, Air Carriers (MCC Codes , 4511) or (b). Lodging-Hotels, Motels, Resorts (MCC codes , 7011) or (c). Car Rental Agencies (MCC codes , 7512, 4121) or (d) Cruise Lines (MCC code 4411) or Travel Agencies and Tour Operators (MCC codes 4722, 4416, 4417) or (e) Passenger Railways (MCC code 4112) or (f)transportation-suburban and Local Commuter Passenger, including Ferries (MCC Code 4111) or (g) Bus Lines (MCC codes 4131, 4722) or (h) Transportation Services not elsewhere classified (MCC code 4789 or (i) Real Estate Agents and Managers Rentals (MCC code 6513) or (j) Timeshares (MCC code 7012) or (k) Campgrounds and Trailer Parks (MCC Code 7033) or (l)motor Home and Recreational Vehicle Rental (MCC Code 7519) or (m) Tourist Attractions and Exhibits (MCC Code 7991, 5971) or (n) Amusement Parks, Carnivals, Circuses, Fortune Tellers (MCC Code 7996) or (o) Aquariums, Dolphinariums, Zoos, and Seaquariums (MCC Code 7998) or (p) Boat Leases and Boat Rentals (MCC Code 4457) or (q) Recreation Services-not elsewhere classified (MCC 7999). The minimum redemption value for a Travel Credit is $25. This can be comprised of a single credit that equals at least $25 or multiple individual credits that total at least $25 redeemed in one event. Purchases will be available for redemption for a Travel Credit on the Site for a period of 6 months from the posting date of the transaction and by phone for a period of 12 months from the posting date of the transaction. Redeemed Points will be deducted from your Points balance on the date you request the Travel Credit. Travel Credits will be applied to your existing balance with the highest priced Annual Percentage Rate (APR). Receipt of a Travel Credit does not affect your responsibility to pay your Total Minimum Payment shown on each Statement you receive from us. Merchandise and Gift Certificate Rewards Redeem Points for merchandise, gift cards or certificate selections at the Site or through the Redemption Center. All redemptions are final. The selection of items and the number of Points needed to obtain them may change at any time. Rewards are shipped prepaid. Returns or exchanges are only permitted for damaged or defective Rewards. The return must occur within 30 days of your receipt of merchandise rewards. We will arrange the return and pay the shipping charges for any damaged or defective Rewards. Rewards are subject to availability. Goods of equal or similar value may be substituted if the item you select is unavailable. Featured goods may not necessarily reflect exact colors or models due to printing variation and/or manufacturers' model or style updates or photo facsimile used for general representation of merchandise. Restrictions may apply to the availability of some Rewards, such as federal, state, or local regulations or minimum age requirements. Purchase protection or extended warranty coverage associated with your Card is not applicable to Rewards. Warranty, service and/or support for goods may be available to you directly from the manufacturers, not from us or the third parties. Merchandise rewards are sent to street addresses and cannot be sent to P.O. Boxes. Gift card/certificate rewards can be sent to street addresses or P.O. Boxes. Requests for delivery outside the continental U.S. or expedited delivery, if available, are subject to additional shipping charges. Complete details about shipping, including information about direct shipments from suppliers; large freight items; damaged or incomplete shipments are found at the Site and by calling the Redemption Center.

4 Gift cards are subject to specific rules set forth by the independent retailers. Use of any gift card or certificate is subject to any additional restrictions contained on or with the card or certificate. Cash Rewards You can redeem Points for a variety of Cash Rewards either at the Site or by telephoning us. A Cash Reward shall be issued for a U.S. dollar sum in the form of a check; an electronic deposit to a checking or savings account of your choice; a contribution to an eligible IRA account, 529 Plan account or Merrill Lynch Cash Management Account ; or a payment to an eligible mortgage loan. The redemption value for Points redeemed for Cash Rewards may vary and is subject to change. Current Cash Reward values and their respective Points requirements can be obtained by signing into the Site. The BankAmericard Travel Rewards credit card is separate and distinct from any accounts you may have with Bank of America and its affiliates. Approval of this credit card account does not mean that any other account will be established for you. 1. Redemption for a Check Cash Reward checks are issued only upon request of the Cardholder. The check is made payable to the one (1) individual designated by us as the Primary Cardholder, i.e., the check will not be made payable to either a joint Cardholder or an authorized user(s), if any. Each check is mailed to the Primary Cardholder's billing address via first-class U.S. mail within fourteen (14) business days of receipt of the request. Cash Reward check redemptions are final once processed. Requests for multiple checks are processed and mailed separately. Each check will be valid for ninety (90) days from its date of issue. The expiration date will appear on the check. A check that is not presented for payment before the expiration date will be void. In such cases, the Cash Reward will then be awarded as a statement credit posting to your Card within two Billing Cycles following the expiration date and will be applied to your account as a retail credit adjustment. If your Card is closed before a check is drawn, or a statement credit appears, then the Cash Reward will be forfeited (except if your Card has been reported as lost or stolen, subject to verification). Receipt of a Cash Reward check or the appearance of a statement credit does not affect your responsibility to pay your Total Minimum Payment shown on each Statement you receive from us. There is no yearly limit to the number of checks you may receive. 2. Redemption for an Electronic Deposit into a Checking or Savings Account If you redeem Points for an electronic deposit to a checking or savings account, the deposit will then be sent by us to the checking or savings account you have indicated within fifteen (15) business days. Electronic deposit redemptions are final once processed. If an electronic deposit is rejected for any reason from the date it was sent to your designated account, the deposit will be considered void and the Points used to obtain the Reward will be reinstated to your Card. If your Card is closed before the Points can be reinstated to your account, then the Cash Reward will be forfeited (except if your Card has been reported as lost or stolen, subject to verification). We cannot guarantee that your financial institution will accept an electronic transfer from us on your behalf. If an electronic transfer is refused for any reason, we will notify you via within 15 days of your request to the address designated by you at the time of your redemption. 3. Redemption for Contributions into an Eligible IRA You may redeem Points towards a contribution ( IRA Reward ) to an eligible IRA account in your name with Bank of America, N.A. or Merrill Lynch ( eligible IRA account ). Points may be redeemed in increments of 2,500 Points, beginning with 5,000 Points. Each increment of 2,500 Points will be converted into an equivalent value of $15 US Dollars. In order to take advantage of this redemption option, you must sign into the Site, select the IRA Reward option and enter the requested information in the field shown (this will include your eligible IRA account number). Your contribution will then be sent by FIA Card Services, N.A. either electronically or by check within fifteen (15) business days to the eligible IRA account you have indicated. If your contribution is rejected for any reason or does not clear within ninety (90) days from the date it was issued by FIA Card Services, N.A., your contribution will be considered void, and the Points used to obtain the IRA Reward will be reinstated to your Card account. If your Card is closed before the Points can be reinstated to your account, then the cash reward will be forfeited (except if your Card has been reported lost or stolen, subject to verification). FIA Card Services, N.A. cannot guarantee that Bank of America, N.A. or Merrill Lynch will accept contributions from FIA Card Services, N.A. on your behalf. If Merrill Lynch or Bank of America, N.A. refuses to accept a contribution for any reason, FIA Card Services, N.A. will notify you by at the address provided at the time of redemption and will reinstate the Points to your Card account.

5 Obtaining a BankAmericard Travel Rewards credit card does not establish an IRA account at either Bank of America, N.A. or Merrill Lynch, nor does it guarantee that either Bank of America, N.A. or Merrill Lynch will establish or maintain an IRA account for you. Points are not automatically redeemed for contribution to an IRA account. Points are only redeemed for contribution to an eligible IRA account upon your request and subject to the terms of the Program Rules and the agreements and terms and conditions that govern the IRA account. Points may not be redeemed for a contribution to an IRA account other than an IRA account at Bank of America, N.A. or Merrill Lynch. Points redeemed for contribution to your eligible IRA account will be treated as a contribution for the year in which the contribution is made and will be subject to the IRS contribution limits that apply to your eligible IRA account. The IRS also imposes limits on who is eligible to make contributions to an IRA account. You are solely responsible for calculating your contribution limits and your eligibility to make IRA contributions. Neither FIA Card Services, N.A., Bank of America, N.A. nor Merrill Lynch is providing you with tax advice. You should consult with your tax advisor regarding your eligibility to make contributions to an IRA account. You can find more information about IRS contribution limits and eligibility requirements for IRA accounts at We impose no limit on the number of IRA Reward redemptions you may complete each year. If an adjustment to your Points total, whether due to error, refund, credit, or other form of rescission causes you to receive more credit to your IRA account than you were otherwise entitled to, you agree you may owe FIA Card Services, N.A. the value of such excess. Questions regarding the accrual of Points and the sending of contributions to Merrill Lynch or Bank of America, N.A. will be resolved by FIA Card Services, N.A. Following the transfer of your IRA Rewards contribution from FIA Card Services, N.A. to Merrill Lynch or Bank of America, N.A., FIA Card Services, N.A. shall not be responsible or liable for the administration of this contribution or items associated with your IRA account. It is your responsibility to ensure that contributions made by FIA Card Services, N.A. to your eligible IRA account on your behalf do not violate the terms of that account. FIA Card Services, N.A. is not responsible or liable for any taxes or penalties resulting from contributions. FIA Card Services, N.A. reserves the right to change or cancel this redemption option at any time. Amounts, including IRA Rewards, contributed to the Bank of America, N.A. or Merrill Lynch eligible IRA account that are ineligible contributions or that exceed applicable annual contribution limits can result in excess contributions. Such excess contributions, if not timely corrected, may subject the account owner to IRS excise taxes. The owner of an eligible IRA account remains responsible for ensuring that excess contributions do not occur. If an excess contribution does occur, the account owner remains responsible for correcting the excess in accordance with applicable IRS requirements along with any resulting taxes and penalties. However, Merrill Lynch and Bank of America, N.A. reserve the right, but not the obligation, to reject a deposit from FIA Card Services, N.A. for redeemed points, including, but not limited to, such situations where, based on information in Bank of America, N.A. or Merrill Lynch s records, such deposit will result in an excess contribution to a tax advantaged retirement account. Establishment or ownership of a Bank of America, N.A. or Merrill Lynch IRA account (or other relationship with Bank of America, N.A. or Merrill Lynch) is not required to obtain the Card or to be eligible to use Points to obtain any Rewards offered under the Program other than IRA Rewards. 4. Redemption for Contributions to a 529 Plan Account You may redeem Points for contributions to a Merrill Lynch Section 529 Account: NextGen College Investing Plan, subject to a minimum investment amount. Points will be debited from your Points balance and a corresponding credit will be posted to your 529 Account upon redemption. No returns or refunds are allowed. Before you invest in the NextGen plan, request a NextGen College Investing Plan Program Description by calling toll-free NEXTGEN ( ) and read it carefully. The Program Description contains more complete information, including investment objectives, charges, expenses and risks of investing in the NextGen plan which you should consider carefully before investing. You should also consider whether your home state or your designated beneficiary s home state offers any state tax or other benefits that are only available for investments in such state s 529 plan. Merrill Lynch is the program manager, underwriter and distributor. The NextGen plan is a Section 529 plan administered by the Finance Authority of Maine. Investment oversight is provided by the Maine State Treasurer. 5. Redemption for Contributions to a Cash Management Account You may redeem Points for contributions to a Merrill Lynch Cash Management Account ( CMA ). To complete the redemption, you will be asked to provide your CMA Account number and your authorization to send the Cash Reward electronically

6 through the Automated Clearinghouse System (ACH). Once processed, the contribution will be deposited into your CMA Account within fourteen (14) business days of the request. Cash Rewards are considered fully redeemed once an ACH deposit has been made to your CMA Account. FIA Card Services, N.A. shall not be responsible for lost, stolen or undelivered ACH deposits: substitute ACH deposits will not be made available. Once an ACH deposit has been completed and the value of any transaction(s) forming all or part of the Cash Rewards used to obtain the ACH deposit is either refunded, credited or otherwise rescinded, we may, at our discretion, stop payment on the ACH deposit, and/or withhold subsequent Cash Rewards, or collect any amount(s) you owe, in any appropriate manner, including, but not limited to, the posting of an equivalent dollar debit in the form of a cash advance transaction to your Card. 6. Redemption for Payments on a Mortgage You may redeem Points for Cash Rewards in the form of payments on your Bank of America, N.A., first or second mortgage loan (reverse mortgages are not eligible), or to a mortgage loan that you have with a third party mortgage lender ( Mortgage Lender. ) Payments will be applied in accordance with the terms of your mortgage loan, and may be rejected in the event your mortgage is not being paid as agreed. Payment will be sent by FIA Card Services, N.A. to the mortgage account you have indicated either electronically or by check within three (3) business days of your request. If Bank of America, N.A., or the Mortgage Lender designated by you in the redemption process refuses to accept an electronic transfer for any reason, or the check does not clear within ninety (90) days from the date it was issued by FIA Card Services, N.A., the payment will be considered void, the Points used to obtain the Reward will be reinstated to your account, and we will notify you by the address which you will be requested to provide at the time of redemption. Questions regarding the accrual of Points and the sending of payments to your mortgage loan will be resolved by FIA Card Services, N.A. We are not responsible for how the payment is applied to your mortgage account and cannot control whether payments will be applied to the principal balance on your loan or any outstanding interest or loan fees. It is your responsibility to ensure that payments made by us towards your mortgage loan on your behalf do not violate the terms of your agreement with Bank of America, N.A., or the Mortgage Lender that you designate as payee during the redemption process. We are not responsible or liable for any prepayment penalties that Bank of America, N.A., or your Mortgage Lender may charge to your mortgage account. If an adjustment to your Point total for any reason causes you to receive more credit to your mortgage account than you were otherwise entitled to, you agree you may owe the value of such excess to us. We have the right to reduce your Points accordingly, withhold any subsequent Points and/or credits to your mortgage account, and/or collect any amount(s) you owe, in any appropriate manner, including, but not limited to the posting of an equivalent debit in the form of a cash advance transaction to the Card. Charitable Donations Redeem Points for a variety of charitable donations either at the Site or by telephoning the Redemption Center. If you elect to have funds directed to a charitable organization please consult your tax advisor as to whether this qualifies as a charitable contribution. This credit card program is issued and administered by FIA Card Services, N.A. BankAmericard Travel Rewards is a trademark and Cash Management Account, CMA, Merrill Edge, Merrill Lynch, Bank of America and the Bank of America logo are registered trademarks of Bank of America Corporation Bank of America Corporation (2/2012)

BankAmericard Privileges with Cash Rewards Program Rules

BankAmericard Privileges with Cash Rewards Program Rules BankAmericard Privileges with Cash Rewards Program Rules It s simple: Cash back on every purchase. Use your card for everyday spending and put your purchases to work for you and redeem for cash back. There

More information

BankAmericard Travel Rewards Program Rules

BankAmericard Travel Rewards Program Rules BankAmericard Travel Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases. There s no additional cost to participate in the Program, and you and your authorized

More information

BankAmericard Travel Rewards Program Rules

BankAmericard Travel Rewards Program Rules BankAmericard Travel Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases. There s no additional cost to participate in the Program, and you and your authorized

More information

BankAmericard Cash Rewards Program Rules

BankAmericard Cash Rewards Program Rules BankAmericard Cash Rewards Program Rules It s simple: Cash back on every purchase. Use your card for everyday spending and put your purchases to work for you and redeem for cash back. There s no additional

More information

BankAmericard Privileges credit card with Travel Rewards Program Rules

BankAmericard Privileges credit card with Travel Rewards Program Rules BankAmericard Privileges credit card with Travel Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases. There s no additional cost to participate in the Program,

More information

Program Rules. Important information about WorldPoints Travel Rewards for Business WorldPoints Travel Rewards for Business Card.

Program Rules. Important information about WorldPoints Travel Rewards for Business WorldPoints Travel Rewards for Business Card. Important information about WorldPoints Travel Rewards for Business WorldPoints Travel Rewards for Business Card Program Rules Companies that apply for and receive a WorldPoints Travel Rewards for Business

More information

WorldPoints Rewards Program Rules

WorldPoints Rewards Program Rules WorldPoints Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. Your rewards at a

More information

WorldPoints Rewards Program Rules

WorldPoints Rewards Program Rules WorldPoints Rewards Program Rules FIA Card Services Rewards American Express Cardmembers are automatically enrolled in the WorldPoints Rewards program ("the Program") at no additional cost. FIA Card Services,

More information

Norwegian Cruise Line MasterCard Program Rules

Norwegian Cruise Line MasterCard Program Rules Norwegian Cruise Line MasterCard Program Rules It s easy to earn Points simply use your credit card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. Your

More information

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only)

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) (Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) I. Description of the Program a) Unitus members with Prime Share

More information

Beyond Rewards Program Terms and Conditions for MERRILL+ Visa Signature Credit Card

Beyond Rewards Program Terms and Conditions for MERRILL+ Visa Signature Credit Card Beyond Rewards Program Terms and Conditions for MERRILL+ Visa Signature Credit Card REWARDS PROGRAM General Anytime, Anywhere, Any Airline Air Rewards Air Dollars-Off Rewards Cruise Rewards Tour Dollars-Off

More information

AUDIENCE REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

AUDIENCE REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS AUDIENCE REWARDS CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a credit card

More information

Beyond Rewards Program Rules for MERRILL+ Visa Signature Credit Card

Beyond Rewards Program Rules for MERRILL+ Visa Signature Credit Card Beyond Rewards Program Rules for MERRILL+ Visa Signature Credit Card Rewards Program General Anytime, Anywhere, Any Airline Air Rewards Air Dollars-Off Rewards Auto Rental and Hotel Rewards Special Travel

More information

BMO Harris RewardsSM Program Rules: BMO Harris Bank Rewards MasterCard BMO Harris Bank Premier Rewards MasterCard

BMO Harris RewardsSM Program Rules: BMO Harris Bank Rewards MasterCard BMO Harris Bank Premier Rewards MasterCard BMO Harris Rewards SM Program Rules: BMO Harris Bank Rewards MasterCard BMO Harris Bank Premier Rewards MasterCard BMO Harris Bank Select World MasterCard BMO Harris Bank Premier World MasterCard BMO Private

More information

HSBC Business Card Rewards Program Terms & Conditions

HSBC Business Card Rewards Program Terms & Conditions HSBC Business Card Rewards Program Terms & Conditions The HSBC Business Card Rewards Program (the Program ) allows participants to earn Points which can be redeemed toward rewards including merchandise,

More information

REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS

REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS INTRODUCTION These Terms and Conditions are provided to Accountholders ( You or Your ) by Commerce Bank ( Commerce ) solely for the purpose of

More information

HSBC Premier World Rewards Program Terms & Conditions

HSBC Premier World Rewards Program Terms & Conditions HSBC Premier World Rewards Program Terms & Conditions The HSBC Premier World Rewards Program (the Program ) allows participants with an HSBC Premier World MasterCard to earn Points which can be redeemed

More information

Rewards Terms & Conditions Copy

Rewards Terms & Conditions Copy Rewards Terms & Conditions Copy Commerce Bank Rewards INTRODUCTION These Terms and Conditions are provided to Accountholders ( You or Your ) by Commerce Bank ( Commerce ) solely for the purpose of promoting

More information

ATB FINANCIAL BUSINESS REWARDS TERMS AND CONDITIONS

ATB FINANCIAL BUSINESS REWARDS TERMS AND CONDITIONS Effective February 8, 2016 1. REWARD PROGRAM These terms and conditions apply to the ATB Financial Business Rewards BusinessCard Program (the Program ) associated with the Card Account that allows you

More information

Purchase Perks Program Rules & Conditions

Purchase Perks Program Rules & Conditions Purchase Perks Program Rules & Conditions These Rules and Conditions (Terms and Conditions) apply to the following credit cards that are issued by Synovus Bank and are participating in the Purchase Perks

More information

SPEEDWAY CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

SPEEDWAY CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SPEEDWAY CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a credit card account

More information

Program Terms Effective Until October 18, 2013

Program Terms Effective Until October 18, 2013 Program Terms Effective Until October 18, 2013 THIS PROGRAM HAS BEEN DISCONTINUED. FOR EXISTING MEMBERS, PLEASE CONSULT THE DOCUMENTATION YOU RECEIVED OR CONTACT CUSTOMER SERVICE AT 808-627-6900 FOR REDEMPTON

More information

SUN COUNTRY AIRLINES CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

SUN COUNTRY AIRLINES CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SUN COUNTRY AIRLINES CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a credit

More information

PROGRAM DESCRIPTION NAVY FEDERAL S VISA SIGNATURE FLAGSHIP REWARDS CARD

PROGRAM DESCRIPTION NAVY FEDERAL S VISA SIGNATURE FLAGSHIP REWARDS CARD NAVY FEDERAL S VISA SIGNATURE FLAGSHIP REWARDS CARD PROGRAM DESCRIPTION Visa Signature Flagship Rewards Online Members with NFO access may view their Visa Signature Flagship Rewards point history and redeem

More information

NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION

NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION BUSINESS REWARDS Online Members with NFO access may view their BUSINESS REWARDS point history and redeem points on navyfederal.org 24 hours a day

More information

January 2009. Q Rewards Terms and Conditions

January 2009. Q Rewards Terms and Conditions January 2009 Q Rewards Terms and Conditions 2 Contents Page 1. Definitions 4 2. Participation 4 3. Accumulation of Reward Points 4 4. Duration and Loss of Reward Points 5 5. Reward Redemption 6 6. Fast

More information

NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION. navyfederal.org 1-888-842-6328

NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION. navyfederal.org 1-888-842-6328 NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION navyfederal.org 1-888-842-6328 Rewards 1,000 Digital downloads including apps. 3,500 Selection of merchandise and gift cards. 5,000 Selection of merchandise

More information

VOICE Credit Card Rewards Terms and Conditions

VOICE Credit Card Rewards Terms and Conditions VOICE Credit Card Rewards Terms and Conditions Contents IMPORTANT NOTICE... 2 PROGRAM DESCRIPTION... 2 ELIGIBILITY... 2 EARNING POINTS... 2 RESTRICTIONS ON POINT EARNING... 3 POINT EXPIRATION, LOSS OF

More information

TruRewards Terms and Conditions

TruRewards Terms and Conditions TruRewards Terms and Conditions TruRewards ("Program") is a promotional incentive program offered by Banner Bank ("Issuer," "we," and "us") residents of the United States. Under the Program, you will earn

More information

REWARD RULES Sallie Mae MasterCard Rewards Program Rules

REWARD RULES Sallie Mae MasterCard Rewards Program Rules REWARD RULES Sallie Mae MasterCard Rewards Program Rules This document contains the official Rewards Program Rules ( Program Rules ) for the Sallie Mae MasterCard Program (the Program ) and includes important

More information

PNC Bank, National Association, which issues your Credit Card. The billing cycle or billing cycles of your Credit Card Account

PNC Bank, National Association, which issues your Credit Card. The billing cycle or billing cycles of your Credit Card Account K-8360 points PNC Flex T&C PNC points Program Terms and Conditions as of October 17, 2015 BASIC TERMS DEFINED Program Credit Card, Card Credit Card Account You, your, Cardholder We, our, us, PNC Bank,

More information

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards Terms and Conditions Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards Effective Date: May 2014 Table of Contents 1. Meaning of Words... 1 2. Participation

More information

Visa Credit Card Cardmember Agreement

Visa Credit Card Cardmember Agreement Visa Credit Card Cardmember Agreement In this Agreement the words You, Your and Yourself mean each and all of those who apply for the card or who sign this Agreement. Card means the Visa Credit Card and

More information

ScoreCard Bonus Point Program Rules

ScoreCard Bonus Point Program Rules ScoreCard Bonus Point Program Rules 1. As provided in these ScoreCard Bonus Point Program Rules ( Rules ), account holders ( You or Your ) earn one (1) Bonus Point ( Point(s) ) in the ScoreCard Program

More information

Personal Schedule of Fees

Personal Schedule of Fees Personal Schedule of Fees Effective May 6, 2016 bankofamerica.com Applies in all states. Bank of America, N.A. Member FDIC. 2016 Bank of America Corporation. 91-11-3000B 00-14-9299 29898 Table of Contents

More information

CASH REWARDS COLLABRIA CASH BACK CARD C33014

CASH REWARDS COLLABRIA CASH BACK CARD C33014 CASH REWARDS COLLABRIA CASH BACK CARD C33014 Cash Rewards COLLABRIA CASH BACK CARD By using your Collabria Cash Back Card, you agree to the following terms and conditions which form part of the Collabria

More information

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Contents Page 1. Definitions 2 Chapter One 2. Participation

More information

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SHARE SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SHARE SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SHARE SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

Information Sharing Priceline Rewards Program Eligibility Point Accrual and Tracking $29 Annual Fee priceline rewards Visa credit card

Information Sharing Priceline Rewards Program Eligibility Point Accrual and Tracking $29 Annual Fee priceline rewards Visa credit card Information Sharing Barclays' Privacy Policy is available online at www.barclaycardus.com. I agree that Barclays Bank Delaware and Priceline will share information to the extent needed to administer the

More information

SAVINGSTAR CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS

SAVINGSTAR CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS SAVINGSTAR CREDIT CARD REWARDS PROGRAM TERMS AND CONDITIONS As used in these Terms and Conditions, the words you and your refer to the owner(s) (primary and secondary cardmembers) with a SavingStar American

More information

True Rewards Card Conditions of Use

True Rewards Card Conditions of Use True Rewards Card Conditions of Use True Rewards ASB Bank Limited 55930 1300 0315 Hello and welcome! These are the conditions of your agreement with ASB Bank Limited, PO Box 35, Shortland Street, Auckland

More information

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions February 2012 Contents Page 1. Definitions 2 Chapter One 2. Participation and Agreement 4 3. Awarding of Points 4 4.

More information

December 2013. Q Rewards Terms and Conditions

December 2013. Q Rewards Terms and Conditions December 2013 Q Rewards Terms and Conditions 2 Contents Page 1. Definitions 4 2. Participation 4 3. Accumulation of Reward Points 4 4. Duration and Loss of Reward Points 5 5. Reward Redemption 6 6. Fast

More information

Smarter Financing for Smarter Business. Small Business. with up to $5MM annual revenue

Smarter Financing for Smarter Business. Small Business. with up to $5MM annual revenue Smarter Financing for Smarter Business Your business. Your credit card. Your way. Business Edition Visa Card with Absolute Rewards Business Edition Visa Card Small Business with up to $5MM annual revenue

More information

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Terms and Conditions Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Effective Date: July 2014 Table of Contents 1. Meaning of Words...

More information

LOGIX REWARDS PROGRAM DISCLOSURE Program Rules

LOGIX REWARDS PROGRAM DISCLOSURE Program Rules LOGIX REWARDS PROGRAM DISCLOSURE Program Rules In this Logix Rewards Program Disclosure, the words "we", "us", "our", and "Logix" each mean Logix Federal Credit Union. The words "you", "your, "yours",

More information

Mortgage Choice Platinum Card

Mortgage Choice Platinum Card Mortgage Choice Platinum Card Rewards Program Terms and Conditions Effective December 2014 Contents 1. When do these Terms and Conditions apply to me? 4 2. How does the Mortgage Choice Platinum Card Rewards

More information

Details of Rate, Fee, and Other Cost Information

Details of Rate, Fee, and Other Cost Information BankAmericard Cash Rewards Visa Signature Card Earn 3% cash back on gas, grocery and drugstore purchases for the first 6 months Introductory 0% APR only for Purchases for your first 12 billing cycles.

More information

HSBC s Credit Card Rewards Program. Terms and conditions HSBC Premier World MasterCard

HSBC s Credit Card Rewards Program. Terms and conditions HSBC Premier World MasterCard HSBC s Credit Card Rewards Program Terms and conditions HSBC Premier World MasterCard Rewards Plus Program The meaning of words printed like this and some other key words is explained at the end of these

More information

First Miles Terms & Conditions

First Miles Terms & Conditions First Miles Terms & Conditions The following provisions shall apply to the First Miles Program. Kindly note that the provisions stated herein form an integral part of the First Gulf Bank General Terms

More information

CREDIT CARD AGREEMENT AND DISCLOSURE

CREDIT CARD AGREEMENT AND DISCLOSURE M-115600 CREDIT CARD AGREEMENT AND DISCLOSURE This Agreement establishes the terms and conditions of your credit card agreement with the Credit Union. In this agreement, the words you and your mean any

More information

UMB Discover Cardholder Agreement

UMB Discover Cardholder Agreement UMB Discover Cardholder Agreement 1. Your Agreement to these Terms and Conditions; Definitions. The terms and conditions in this Agreement govern your Card and all credit extended to you under this Agreement.

More information

TCF Miles Plus SM Rewards Program

TCF Miles Plus SM Rewards Program TCF Miles Plus SM Rewards Program Card Issuer Terms and Conditions TCF MILES PLUS Rewards Program ( Program ) is a promotional incentive Program offered by TCF National Bank ( Issuer, we, and us ). These

More information

Commercial Internet Banking Agreement and Disclosures

Commercial Internet Banking Agreement and Disclosures Rev. 4/2015 Commercial Internet Banking Agreement and Disclosures 1. Coverage. This Agreement applies to your use of our commercial Internet Banking Service, which permits you to access your accounts with

More information

HSBC s Credit Card Rewards Program. Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card

HSBC s Credit Card Rewards Program. Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card HSBC s Credit Card Rewards Program Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card As at 1 March 2014 Rewards Plus Program The meaning of words printed like this and some other

More information

Snack and Score Rewards Program Terms and Conditions (Updated 5/1/2014)

Snack and Score Rewards Program Terms and Conditions (Updated 5/1/2014) Snack and Score Rewards Program Terms and Conditions (Updated 5/1/2014) Snack and Score Rewards Program (the "Program") is a loyalty program sponsored by Mondelēz Global LLC through which individuals (

More information

ANZ Rewards RewARds PRogRAm TeRms ANd CoNdiTioNs

ANZ Rewards RewARds PRogRAm TeRms ANd CoNdiTioNs ANZ Rewards Rewards Program Terms and Conditions When these terms and conditions apply 1. If you are a new account holder, these terms and conditions will apply when we advise you that your application

More information

Business Card with WorldPoints Rewards Don t just think of it as a credit card. Think of it as a way to work more efficiently.

Business Card with WorldPoints Rewards Don t just think of it as a credit card. Think of it as a way to work more efficiently. Benefit Summary Business Card with WorldPoints Rewards Don t just think of it as a credit card. Think of it as a way to work more efficiently. If you use a personal credit card for business expenditures,

More information

Card Type Phone Number Website. BBVA Compass Select Credit Card 877-676-5172 www.bbvacompass.com/selectrewards

Card Type Phone Number Website. BBVA Compass Select Credit Card 877-676-5172 www.bbvacompass.com/selectrewards CompassPoints Terms and Conditions CompassPoints is a promotional rewards program ("Program") offered by BBVA Compass ("Bank," "we," "us" or "our"). In this Program, "you" or "your" means everyone that

More information

PARTICIPATION REWARDS PROGRAM USER AGREEMENT

PARTICIPATION REWARDS PROGRAM USER AGREEMENT PARTICIPATION REWARDS PROGRAM USER AGREEMENT The following are the terms and conditions of the Affinity Plus Federal Credit Union ( Affinity Plus ) Participation Rewards Program User Agreement. The terms

More information

Wealth Management. Yellow Brick Road. Rewards Program Terms and Conditions

Wealth Management. Yellow Brick Road. Rewards Program Terms and Conditions Wealth Management Yellow Brick Road Rewards Program Terms and Conditions Effective July 2013 Contents 1. When do these Terms and Conditions apply to me? 3 2. How does the Yellow Brick Road Credit Cards

More information

CREDIT CARD AGREEMENT

CREDIT CARD AGREEMENT CREDIT CARD AGREEMENT (Personal Accounts) By requesting or accepting any Standard MasterCard, Standard Visa, Platinum MasterCard, Platinum Visa, Platinum Rewards MasterCard, or Platinum Rewards Visa account

More information

Standard Chartered 360 Rewards Programme

Standard Chartered 360 Rewards Programme Standard Chartered 360 Rewards Programme 1. The programme at a glance 1.1 You can earn 360 Rewards Points (also referred to as points throughout these terms) under this 360 Rewards programme when you use

More information

Credit Card Agreement and Disclosure Statement

Credit Card Agreement and Disclosure Statement Credit Card Agreement and Disclosure Statement Your Lifetime Financial Partner In this Agreement the words you and your mean each and all of those signing, using or having a credit Card account with Northwest

More information

This APR may be applied to your Credit Card account if you make a late payment. If you are charged interest, the charge will be no less than $1.00.

This APR may be applied to your Credit Card account if you make a late payment. If you are charged interest, the charge will be no less than $1.00. SHELL VACATIONS CLUB VISA CREDIT CARD AGREEMENT (Personal Accounts) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Cash Advances Penalty APR and When it Applies

More information

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

PRICING SCHEDULE. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

PRICING SCHEDULE. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases PRICING SCHEDULE This is an example of terms that were available to recent applicants as of 3/31/15. They may not be available now. If you apply, your terms will be based on the terms of the offer when

More information

Electronic Fund Transfer Services and Member Agreement Notice Regarding Electronic Fund Transfer Services

Electronic Fund Transfer Services and Member Agreement Notice Regarding Electronic Fund Transfer Services Electronic Fund Transfer Services and Member Agreement Notice Regarding Electronic Fund Transfer Services ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is

More information

VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement

VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement VISA Variable Credit Card Agreement, Overdraft Protection Agreement, and Truth In Lending Disclosure Statement This is your Cardholder Agreement with Provident Credit Union which outlines the terms to

More information

VISA CARDHOLDER AGREEMENT

VISA CARDHOLDER AGREEMENT VISA CARDHOLDER AGREEMENT In this agreement, the words you and your mean the cardholder or holders and anyone else you authorize to use the credit card account. The words we, us or our mean Eastman Credit

More information

USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK

USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK PART A: Important Information about this Agreement 1. The Parties to this Agreement.................. p.4 2. The Documents that Make Up this Agreement.... p.4

More information

CommBank Awards Program

CommBank Awards Program Important information about the CommBank Awards Program Program Terms and Conditions 7 September 2015 Some Awards are also subject to separate terms and conditions of the supplier of the award. Please

More information

MY REWARDS. Terms and Conditions

MY REWARDS. Terms and Conditions MY REWARDS Terms and Conditions Pilot Travel Centers LLC (d/b/a Pilot Flying J) and its affiliates (collectively PFJ ) provide all information on this Advantage exclusively under the following Terms and

More information

Credit Card Rewards. Earn points toward dream vacations, merchandise, gift cards, cash back and more. Start earning your rewards today!

Credit Card Rewards. Earn points toward dream vacations, merchandise, gift cards, cash back and more. Start earning your rewards today! Credit Card Rewards Earn points toward dream vacations, merchandise, gift cards, cash back and more Start earning your rewards today! CHOOSE YOUR OWN REWARDS Use your credit card and earn rewards points

More information

Altitude Rewards and Altitude Qantas

Altitude Rewards and Altitude Qantas Altitude Terms and Conditions Altitude Rewards and Altitude Qantas Effective 9 November 2014 Altitude Rewards 1 Contents Altitude Rewards terms and conditions...4 1. When do these terms and conditions

More information

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT

VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT VISA CLASSIC CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

PRICING SCHEDULE. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases

PRICING SCHEDULE. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases PRICING SCHEDULE This is an example of terms that were available to recent applicants as of 3/31/15. They may not be available now. If you apply, your terms will be based on the terms of the offer when

More information

USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK

USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK USAA CREDIT CARD AGREEMENT USAA SAVINGS BANK PART A: Important Information about this Agreement 1. The Parties to this Agreement.................. p.4 2. The Documents that Make Up this Agreement.... p.4

More information

Interest Rates and Interest Charges. 9.9% This APR may change based upon your creditworthiness.

Interest Rates and Interest Charges. 9.9% This APR may change based upon your creditworthiness. Visa Platinum Rewards Credit Card Account Opening Disclosure Interest Rates and Interest Charges For Purchases, and Cash Advances For Balance Transfers 9.9% This APR may change based upon your creditworthiness.

More information

$89.00 (one-time fee). $75.00 for first year After that, $48.00 annually.

$89.00 (one-time fee). $75.00 for first year After that, $48.00 annually. Terms and Conditions-Website Interest Rates and Interest Charges Annual Percentage Rate 29.99% (APR) for Purchases APR for Cash Advances 29.99% Paying Interest Your due date will be a minimum of 21 days

More information

Due to state restrictions, members and referrals residents of Hawaii and Alaska cannot participate in the Holiday Inn Club Member Reward Program.

Due to state restrictions, members and referrals residents of Hawaii and Alaska cannot participate in the Holiday Inn Club Member Reward Program. TERMS AND CONDITIONS Due to state restrictions, members and referrals residents of Hawaii and Alaska cannot participate in the Holiday Inn Club Member Reward Program. The Holiday Inn Club Member Rewards

More information

Macquarie Rewards Program. Terms and Conditions

Macquarie Rewards Program. Terms and Conditions Macquarie Rewards Program Terms and Conditions EFFECTIVE 20 NOVEMBER 2015 1 Contents 1. When do these Terms and Conditions apply to me? 1 2. How does the Macquarie Rewards Program work? 2 3. Administration

More information

10.24% to 18.0% 11.24% to 18.0%

10.24% to 18.0% 11.24% to 18.0% Credit Tier 3 Credit Tier 2 Credit Tier 1 Interest Rates and Interest Charges Annual Percentage Rate (APR) for purchases and balance transfers 11.24% to 18.0% 12.24% to 18.0% 10.24% to 18.0% 11.24% to

More information

Electronic Funds Transfer Disclosure Agreement

Electronic Funds Transfer Disclosure Agreement Electronic Funds Transfer Disclosure Agreement Your use of any EFT service offered by the Bank will be governed by this Disclosure and by any separate agreement or disclosure that also applies to the EFT

More information

MILES-TO-GO sm PROGRAM RULES Welcome to the ToGoAway Travel Network Miles-To-Go sm Frequent Traveler Program WELCOME

MILES-TO-GO sm PROGRAM RULES Welcome to the ToGoAway Travel Network Miles-To-Go sm Frequent Traveler Program WELCOME MILES-TO-GO sm PROGRAM RULES Welcome to the ToGoAway Travel Network Miles-To-Go sm Frequent Traveler Program WELCOME Welcome! ToGoAway Travel Network has introduced a unique travel awards program in the

More information

First Cash Back Terms & Conditions

First Cash Back Terms & Conditions First Cash Back Terms & Conditions The following provisions shall apply to the First Cash Back Program. Kindly note that the provisions stated herein form an integral part of the FGB s General Terms and

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

CREDIT CARD AGREEMENT

CREDIT CARD AGREEMENT CREDIT CARD AGREEMENT This agreement contains the terms and conditions that govern your 1st Financial Bank USA (Bank) MasterCard or Visa credit card account. The first time you or someone you authorize

More information

First Technology Federal Credit Union Visa Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement

First Technology Federal Credit Union Visa Platinum Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement In this ( Agreement and Disclosure Statement ) the words: I, me, my and mine mean any and all of those who apply for or use the Visa Platinum Credit Card. First Tech, you, your and yours mean. Card means

More information

PNB Credit Card Rewards Program Terms and Conditions

PNB Credit Card Rewards Program Terms and Conditions PNB Credit Card Rewards Program Terms and Conditions The PNB Credit Card Rewards Program allows Philippine National Bank (PNB) Credit Cardholders to redeem Rewards in exchange of Rewards Points accumulated

More information

We, Us and Our means Citibank Berhad (297089-M) its successors-in-title or assigns.

We, Us and Our means Citibank Berhad (297089-M) its successors-in-title or assigns. Citibank Rewards Program Terms & Conditions This Citibank Rewards Program Terms and Conditions governs the entitlement of Citibank Credit Card customers and Debit & ATM Cardholders (including those issued

More information

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Altitude Business Rewards Terms and conditions Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Effective 15 August 2015 Contents 1. When do these terms and conditions

More information

Merrill Lynch Web Bill Pay Service Agreement

Merrill Lynch Web Bill Pay Service Agreement Merrill Lynch Web Bill Pay Service Agreement TERMS AND CONDITIONS This Merrill Lynch Web Bill Pay Service Agreement contains the terms and conditions governing the Merrill Lynch Web Bill Pay Service, including

More information

Boss Revolution Direct to Consumer U.S. Website. Terms of Use for Non-Regulated Products and Services that IDT Distributes

Boss Revolution Direct to Consumer U.S. Website. Terms of Use for Non-Regulated Products and Services that IDT Distributes Boss Revolution Direct to Consumer U.S. Website Terms of Use for Non-Regulated Products and Services that IDT Distributes 1. Introduction Welcome to Boss Revolution from IDT Domestic Telecom, Inc. and

More information

ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions

ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions International Prepaid Card These are your International Prepaid Card Terms and Conditions. "Agreement" means these VISA Prepaid

More information

Current Credit Card Agreements for New Personal Accounts

Current Credit Card Agreements for New Personal Accounts Current Credit Card Agreements for New Personal Accounts NOTE: To obtain a copy of the Credit Card Agreement for your existing account call us at (800) 996-2638 or send us a secured message through Online

More information

PRICING SCHEDULE. Interest Rates and Interest Charges

PRICING SCHEDULE. Interest Rates and Interest Charges This is an example of terms that were available to recent applicants as of 6/30/15. They may not be available now. If you apply, your terms will be based on the terms of the offer when you apply. This

More information

CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement ABOUT THIS AGREEMENT Part 1 and 2 together make your Cardmember Agreement and

CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement ABOUT THIS AGREEMENT Part 1 and 2 together make your Cardmember Agreement and CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement ABOUT THIS AGREEMENT Part 1 and 2 together make your Cardmember Agreement and Disclosure Statement ( Agreement ) and govern your Credit

More information

ProRewards provides purchasing power and many other gifts. How to enroll

ProRewards provides purchasing power and many other gifts. How to enroll ProRewards Heading or title ProRewards provides purchasing power and many other gifts. ProRewards is a program that gives you the ability to automatically earn points for great rewards by using your Proponent

More information

Platinum Visa Cash Rebate Credit Card Agreement

Platinum Visa Cash Rebate Credit Card Agreement Platinum Visa Cash Rebate Credit Card Agreement 1. INTRODUCTION. This Agreement covers your OnPoint Platinum Cash Rebate Credit Card account, issued by OnPoint Community Credit Union ( OnPoint ). In this

More information