uChoose Rewards points accumulate automatically when eligible ITCU cards are used, but they can’t be redeemed until you enroll. If you don’t have an eligible card yet, you’re leaving rewards on the table!
Use your ITCU debit and rewards credit cards anywhere Mastercard® is accepted and turn everyday purchases into something more valuable. With uChoose Rewards, you earn points on routine spending like bills, subscriptions, memberships, and daily purchases you’re already making. Points from your debit and rewards credit cards can be combined and redeemed for cash back, gift cards, Amazon purchases, or fuel at Amoco, ARCO, and Sunoco.
You can enroll through the link on this page or inside Digital Banking. Bonus points are available when you shop directly through the uChoose Rewards site.
Open a new connect! Credit Card Mastercard® or ITCU Business Rewards Mastercard® Credit Card, enroll in the uChoose program, and get 5,000 uChoose points as an enrollment bonus!
Earn an additional 5,000 uChoose Rewards points after making your first qualifying purchase!*
Spend at least $1,500 in the first 6 months of opening your new connect! Credit Card or ITCU Business Rewards Credit Card and you'll receive 10,000 bonus points!* That's a total of 20,000 points to use for cash back, gift cards, Amazon.com purchases, and more!
(*Conditions apply. One-time bonus of 5,000 uChoose points for completing first purchase available on qualifying transactions and not on money transfers, manual/automatic cash disbursements, financial institution-based merchandise/services/debt repayments and non-financial institution foreign currency, non-fiat currency, liquid and cryptocurrency, money orders, account funding, travelers' cheques and debt repayments. One-time bonus of 10,000 uChoose points for opening either a connect! Credit Card or ITCU Business Platinum Credit Card will be provided if cardholder spends a minimum of $1,500.00 using their card within the first six months/180 days of opening card. All cardholders who meet the requirements for an incentive offer will be awarded their points on the first of the month following the qualification month. Only the credit cards named in this offer will qualify for this offer. uChoose Rewards registration required to receive the above incentives. For questions or assistance, please contact our team.)
Use this table to see what points opportunities you may be missing out on. Points rack up fast - don’t let everyday purchases go to waste!
| Expenses1 | Monthly Points2 | Annual Points2 | Cash Back Value3 | Gift Card Value3,4 | Amazon Pay with Points Value3 |
|---|---|---|---|---|---|
| Utilities | 350 | 4,200 | $37.80 | $35.00 | $37.80 |
| Subscriptions | 250 | 3,000 | $27.00 | $27.00 | $27.00 |
| Memberships | 175 | 2,100 | $18.90 | $17.50 | $18.90 |
| Purchases | 500 | 6,000 | $54.00 | $50.00 | $54.00 |
| Totals | 1,275 | 15,300 | $137.70 | $127.50 | $137.70 |
1To earn points, cards must be enrolled in uChoose Rewards and expenses must be paid using either an ITCU debit or rewards credit card. (Electronic payments paid through a checking account do not qualify.)
2For illustration purposes only. Actual points earnings could be higher or lower and will vary based on actual expenses and the card type used.
3Based on annual points. Redemption minimums apply.
4Based on average exchange equivalency rate of 1,150 points per $10 value. Actual gift card exchange rates and minimum values vary.
See table below. Your card type determines the equivalent point(s) that can be earned for each dollar spent. Remember, points earned from all qualifying ITCU card types can be combined for faster, better reward redemptions - including cash back or to pay for eligible purchases at Amazon.com!
| Card Type | Points per $1 Spent: |
|---|---|
| Debit Card (Consumer/Business)1 | 0.5 |
| Platinum Rewards Credit Card | 1 |
| connect! Credit Card | 1.75 |
| Business Rewards Credit Card | 2 up to 50K annually (1 thereafter) |
(1HSA debit cards do not earn points.)
In Digital Banking, mobile users can open the app and tap “My Cards” at the bottom of the screen, while desktop users can select “My Cards” under the Card Services menu. From there, you can review transactions and access the rewards site to browse and redeem. When you open uChoose Rewards, your current points balance is displayed. Points may take up to 30 days to appear, though they typically post sooner. If you carry both a debit and rewards credit card, link them so your points automatically combine for stronger rewards!
Link all eligible cards tied to your membership to ensure your balance always reflects the total across accounts. Points may be combined for cards under the same membership number, but consumer and business accounts cannot be merged, and Health Savings Account debit cards are not eligible.
(uChoose Rewards is a registered trademark of Fiserv, Inc.)
With every new account, the value of membership keeps growing – better rates, better products, better value for all.
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