With an ITCU connect! credit card Mastercard®, you'll get to enjoy several perks like no annual fee and a competitive rate. But the best benefit of all is uChoose Rewards® support.
uChoose Rewards allows you to earn points for everyday spending, bill payments, memberships and subscriptions (even reoccurring, automatic payments paid with your connect! card will earn points!). Those points adds up quickly, too, with cardholders earning 1.75 points per $1 spent! Even better, points can be combined with points earned using an InTouch debit card for payments, too! Redeem quicker and for even better rewards, including cash back, gift cards and more! (Please note that you must enroll in uChoose Rewards to earn points.)
(Plus, for a limited time, new enrollees can earn 20,000 uChoose Rewards points!)
Check out the table below for common monthly expenses you could be earning points on. See how much you’re already spending—and what rewards you’re missing. Points rack up fast, and when used right, they can unlock serious value. 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, 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 individual expenses and the card type used for payment.
3Based on annual points. Redemption points minimums apply.
4Based on average exchange equivalency rate of 1,150 points per $10 value. Actual gift card exchange rates and minimum values vary.
Balance transfers up to 100 percent of your credit line
Cash advances up to 25 percent of your credit line
25-day grace period for purchases
Credit lines up to $40,000.00
Your ITCU credit card Mastercard® also comes with many other great benefits. Below are just some of the features you will enjoy:
ID Theft Resolution Services provides cardholders with an identity theft affidavit, assistance with card replacement, an identity theft resolution kit and more.
Take control of your ITCU credit card with easy-to-use system that allows you to place card transaction alerts, card use limits, turn your card on or off remotely and more, available via our desktop or mobile version of digital banking! Look for the "Cards" icon in our digital banking app which links to My Cards.
Have Apple Pay® installed on your iPhone? Are you an AndroidTM phone owner who is already a Google PlayTM or Samsung PayTM user? Looking for a digital wallet option that works with your ITCU credit card? You're in luck! ITCU credit cards are compatible with all of these mobile payment options! (iPhone is a trademark of Apple, Inc.; Android and Google are trademarks of Google LLC)
Emergency Cardholder Services include Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advances.
For 24/7 assistance, including to report a lost/stolen card, call (888) 999-5567. If International, call (531) 233-6770.
