Credit Cards

What is RewardsNOW?

It's a unique program that rewards you for using your RewardsNOW Credit Card.

What makes RewardsNOW different from frequent flier programs?
Unlike typical frequent flier programs, your points are good for absolutely anything. You can book either through your preferred travel agency, direct with travel providers, or on the Internet. Any airline; Any hotel or resort; Any train trip; Any cruise line; Any rental car; YOU NAME IT! And, there are no blackout periods or seat restrictions.

What if I don't want to travel?

You can redeem your points for gifts and gift cards from your program brochure, by viewing the online catalog, or watch your RewardsNOW statements for our special Bonus Awards.

How do I earn points?

You earn one point for every dollar spent on eligible Credit purchases, and one point for every two dollars of eligible Debit purchases. We keep track of all the points you've earned and provide you with a quarterly RewardsNOW statement.

When can I redeem points?

You can redeem points any time and can redeem as few as 750 points.

How to redeem for travel?

Redeeming your RewardsNOW points for travel couldn't be easier. You can check your points and redeem online, call our Rewards Redemption Center toll-free at 1-866-759-5000 (1-866-764-6872), or complete and mail the Rewards Redemption form attached to your quarterly RewardsNOW statement. We will send you a Travel Certificate. After you have traveled, follow the instructions on your travel certificate to receive a rebate credit to your credit card account.

What if I already took a trip?

Can I still get value from my points? Just mail us the Rewards Redemption form attached to your quarterly RewardsNOW statement along with your receipt(s) from travel and we will redeem your points and issue your credit at the same time! For every 5,000 points you request to redeem for travel, you'll receive a $50.00 credit to your RewardsNOW Credit Card account. It's that easy!

How to redeem for gifts?

Redeeming your RewardsNOW points for gifts and gift cards is just as easy. Simply compare the total points you've accumulated with the number needed for the item(s) you want. If you have enough points, go ahead and redeem online at or call our redemption center toll free at 1-866-759-5000. Our reward specialist will take your order and you will receive your item(s) within 4-6 weeks.

Can my RewardsNOW points be combined with points earned on other programs?

Points may not be combined with, or transferred to, other award programs.

Do RewardsNOW points expire?

They're good for five (5) years from the year they're earned. So there's plenty of time (and ways) to use your points.

Are RewardsNOW points transferable?

Points are not transferable.

How much does it cost to participate in RewardsNOW?

There are no costs or fees to participate in RewardsNOW; unless otherwise specified by your issuer. However, standard rates and fees for use of your RewardsNOW Credit Card do apply.

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