The ACU Visa® Rewards Program offers credit cardholders the opportunity to earn one point for every qualifying purchase dollar charged to an ACU Visa Platinum Rewards Credit Card. Points can be accumulated and redeemed for cash, gift cards, travel, merchandise, and free ACU products.

For the purpose of calculating points earned, a qualifying purchase dollar includes dollars spent on sales transactions through a merchant, less any return balances. Balance Transfer/Consolidation transactions, cash advance checks, etc. do not qualify to earn points.

No.

No. You can earn unlimited points.

No, points cannot be combined. However, you may choose to use a single credit card account with more than one authorized user. This would allow purchases by multiple cardholders to earn and accumulate points on a single account.

Besides the opportunity to earn rewards points, the ACU Visa Platinum Rewards Credit Card has a higher Annual Percentage Rate (APR) than the non-rewards ACU Visa Platinum Credit Card. We recommend that members looking to pay the lowest rate open a non-rewards Visa Platinum Credit Card and those that pay their monthly balance in full open the Visa Platinum Rewards credit card.

Rates will potentially be higher on the Rewards Card than the ACU Visa Platinum Card because you can earn points and redeem those points for cash, gift cards, travel or merchandise.

Points are calculated on a 1-point-per-qualifying-purchase-dollar basis. Dollars spent on sales transactions (through a merchant) are eligible to earn points, minus any return balances. Balance Transfer/Consolidation transactions, cash advance checks, etc., are not eligible to earn points.

Points are credited each statement billing cycle based on transactions performed during that cycle.

Your point balance is reflected on your monthly statement. It is also available by logging on to your account at www.curewards.com, through Visa Online or by contacting ACU.

Points may exist on an account for up to five calendar years before they begin to expire. When redeeming points, ACU follows a first in/first out model. In other words, the first points accrued (and therefore the soonest to expire) are the first points deducted when you redeem points toward a reward.

No. Points must be redeemed on your account before you request closure, or they will be forfeited. They cannot be reinstated on a new account.

No. Points for all transactions performed with cards on the account are consolidated and will appear on your statement as one rewards point balance.

Rewards  start at just 2,500 points. For instance, if your average weekly grocery bill is $50 per week, and you use a ACU Visa Platinum Rewards Credit Card, this point level can be achieved in one year with just grocery purchases.

Online Redemption for All Rewards: You can use www.curewards.com to redeem points for gift cards, travel rewards, and merchandise rewards. To redeem your points for cash or free ACU products complete an ACU Points Redemption Form.

If you do not have access to the Internet, you can use the following options:

Cash & free ACU Products: Call ACU at 1-866-469-6228 to request a ACU Cash & Product Redemption Form  or stop by an ACU Branch Office.

Merchandise Rewards by Mail: Review a merchandise catalog at a ACU Branch Office. Then, mail a completed Rewards Redemption form to the CURewards Redemption Headquarters in Chicago, or call 1-800-621-4112 to make your request to redeem points by phone.

Travel Rewards by Phone: Contact Montrose Travel Agency, the exclusive authorized travel agency for redeeming CURewards points, at 1-800-900-6160.  They'll provide all travel information and servicing regarding airline tickets, hotel certificates, car rental certificates, vacation packages, experiences, and cruises. Hours of operation are 9:30 a.m. to 8:30 p.m. CT Monday to Thursday, 11:30 a.m. to 8 p.m. CT Friday, and 11 a.m. to 5 p.m. CT Saturday.

ACU offers five types of rewards: Cash, Airline travel, gift cards, merchandise rewards and free ACU products. Periodically, other types of rewards - such as car rentals, cruises, all-inclusive vacations, and experience rewards (spa, games) - also may be available.

Travel fares and fees vary by product and redemption type. It is possible taxes or additional fees may be due on some types of rewards. These will be clarified at the time of redemption when you are speaking with a travel professional. An example of such a fee would be if you do not have Internet or fax access and request/require a paper ticket for airline travel. Because most tickets today are issued electronically, the airline may impose paper ticket and delivery fees that would be passed along to you.

No. ACU's Rewards Program stands alone and is not affiliated with any airline reward programs.

Yes. The cardholder may make reservations in the name of the person of your choice.

No. Travel points must be redeemed through Montrose Travel.

No. Points may only be redeemed at the time of purchase and cannot be applied to tickets already purchased.

Each travel reward requires a minimum number of points. When you have enough points for the minimum redemption, you can pay the difference for the travel reward you prefer.

Yes. Montrose Travel is able to book additional tickets on a pay basis, but a per ticket transaction fee will apply.

All scheduled airlines in the United States and many international carriers are available through the Rewards Program. Cardholders will receive full details at issuance.

No. Points cannot be redeemed for a voucher toward future airline travel.

No. Each airline and each flight has a limited number of seats in its inventory that meet requirements. Montrose Travel will do its utmost to find a rewards ticket; however, we cannot guarantee ticket availability for every transaction, even if you see seats are available on an airline's Web site.

Marriott, Hyatt, and Ritz Carlton.

Alamo, Hertz, and National.

Free days are prorated against the base rate of the entire rental period. This does not include taxes - including government authorized or imposed surcharges, fuel, license recoupment/air recovery, and concession recoupment - or optional items.

Points are redeemed for a rental certificate. An original rental certificate document will be mailed by U.S. Postal Service Priority Mail® and must be presented at the time you rent your car. Ten business days are required in advance of rental date for processing and delivery of the car rental certificates. Complete details will be provided at issuance.

No. Once redeemed, points for canceled reservations cannot be reinstated to the account, but the certificate may be used for another car rental within the validity dates shown on the front of the certificate.

Rewards are generally sent via parcel delivery or by the U.S. Postal Service for arrival four to six weeks after the order is received. Larger items may be shipped directly from the factory and may take a few weeks longer. You will be notified if the item is to be shipped from the factory.

Cards are mailed through the U.S. Postal Service and will include delivery confirmation. Delivery normally takes two to four weeks from the time of order and cannot be sent to a Post Office box.

They will be redeemable at full face value for a minimum of one year from date of receipt, subject to applicable state laws.

Once delivered and signed for, gift cards are considered live and just like cash. Lost or stolen cards can be canceled and replaced only if they are unused.

No. Points must be redeemed on your ACU Visa Rewards account before the account is transferred to a Platinum account. Unused points will be forfeited at the time of transfer.

No. Points must be redeemed on your Rewards account before you request closure. Unused points will be forfeited.

No. ACU requires that your account be current and in good standing to be able to redeem points for rewards. Once the account is made current, redemption will be allowed.

No. Your points are forfeited at cancellation and can no longer be redeemed.

Rewards are tied to the primary card number, so the primary card number would need to be used during the redemption process.