ITCU debit and rewards credit cards provide the convenience of in-store and online purchasing wherever Mastercard® is accepted and now there's even more reason to make your ITCU cards your go-to-choice for all your payment needs: uChoose Rewards®!
This program allows you to earn points when your ITCU debit or rewards credit card is used to pay for everyday spending, bill payments, memberships, subscriptions and almost anything else you can use one of those cards as a method of payment! Better yet, points earned by your debit and rewards cards can be combined and redeemed for cash back, gift cards and merchandise! (Note: points may be combined with cards associated with the same membership account. Points cannot be combined between consumer and business accounts.)
What's better than a program that gives you points for using your ITCU credit card when making purchases? Receiving up to 20,000 bonus points to redeem for things like gift cards and cash back!
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!
But let's not stop there! New connect! Credit Card and ITCU Business Rewards Credit cardholders will earn an additional 5,000 uChoose Rewards points after making their first qualifying purchase!*
The big finish: 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, paying with points at Amazon.com, and more!
What are you waiting for? Choose to use uChoose, and enjoy all those extra points!
(*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.)
Your card type determines the equivalent point(s) that can be earned for each dollar paid. See table below for the breakdown of points earned per dollar spent. Maximize point earnings by utilizing an ITCU card wherever Mastercard® is accepted. Remember, points from all qualifying 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.)
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.
uChoose Rewards is free to members; simply enroll in the program after activating an eligible2 ITCU consumer or business debit card or rewards credit card through the link provided on this page or through our online or mobile banking apps. (Insider Tip: Earn bonus points for making purchases within the uChoose Rewards site.)
For mobile users of Digital Banking, log into the app and click on the "My Cards" icon at the bottom of the screen. For desktop Digital Banking users, click on "My Cards" in the drop down under the "Card Services" tab at the top of the screen. For both experiences, you'll then be able to view transactions and link to the rewards site to view reward choices and make your redemption selections.
When you open the uChoose Rewards site, you'll see your current points total. Note that it can take up to 30 days for earned points to appear but in most cases, they will appear much sooner. (Insider Tip: If you have a debit and rewards credit card, be sure to link to both cards so points will be pooled, and you can redeem points quicker and better rewards, including merchandise, gift cards, entertainment options and cash back! You can now also pay with points on Amazon.com.)
Keep in mind that no matter which card first brings you to the uChoose Rewards page, you'll want to link other eligible debit and credit cards to the same account. This will ensure your rewards points total always reflects the total combined points for all eligible card types.
2Enrollment in uChoose Rewards is required before card use will begin earning points. Points may be combined by cards associated with the same membership but points cannot be combined between consumer and business accounts. Health Savings Account debit cards are not eligible for uChoose Rewards.
(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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