Credit Cards

Visa Rewards Frequently Asked Questions (FAQ's)

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Rewards Program

What is UChoose Rewards®?

UChoose Rewards is a rewards program where you earn points for shopping or using your Abri Credit Union Visa Platinum card, then redeem your points for anything of your choice from a huge online rewards catalog.

How do I earn points?

Earn points on qualifying transactions, which are outlined in the welcome materials you received after signing up for this program. Plus, you can earn even more points when you shop at participating retailers. Choose to shop in-store at national or local retailers or online through When shopping in-store, select credit and sign for your purchases.

Do ACU Check Cards earn rewards?


Is there a limit to the number of points I can earn?

No. You can earn unlimited points.

Can I share points with family members?

Yes, all cards within an account automatically earn points together. In addition, if you have multiple accounts with Abri Credit Union, you can link them together to earn rewards faster. Just visit the Preferences page to link more accounts to your program.

What is the difference between the ACU Visa Platinum Rewards Credit Card and the regular platinum card?

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.

Why are the rates on the Rewards Card higher?

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, merchandise and more.

How are points calculated?

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.

When do points appear on my credit card account?

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

Where can I find out what my point balance is?

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

When do points expire?

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.

If I choose to close my ACU Visa Platinum Rewards Credit Card account and later apply to have it reopened, can my points be reinstated?

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.

I have a joint cardholder on my credit card account. Each of us have a different card number, and our transactions show separately on our monthly statement. Are our reward points calculated separately?

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 Redemption

How many points do I need before I can redeem a reward?

Rewards start at just 1,500 points. For instance, if your average weekly grocery bill is $30 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.

How can I redeem points?

Visit to redeem points for activities, cash, gift cards, event tickets, travel and merchandise rewards. To redeem your points for cash or free ACU products complete an ACU Points Redemption Form.

What can I redeem my points for?

You can redeem your points for literally thousands of options. It all depends on your personal preferences. You can get cash, event tickets, electronics and hi-tech gadgets, spa treatments, apparel, airline tickets, activity vouchers – the list goes on and on. Browse the redemption section to see all the exciting options available to you.

We keep track of all the points you earn and will help you find just what you are looking for when you are ready to redeem. We even have a Wish List that will help you track when you have earned enough to redeem a specific item.


Where can I earn points?

You earn points everywhere your card is accepted.

When can I redeem my points?

It can take up to 60 days for your points to be credited to your account. You must accumulate 1,500 points before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your “Total Points Available for Redemption” on the Point Details page to see how many points you have available for redemption.

Where can I view my point activity?

You can access the history of your point activity on the Point Details page.

What if I shopped at a participating retailer, but my points are not showing up?

It can take up to 30 days for transactions to appear on the Point Details page. If points from a qualified transaction do not appear after 30 days, please contact the number or e-mail listed on the Contact Us page for assistance.

When I redeem for a product, can I ship my redemption to an address other than the one Abri Credit Union has on file for me?

Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.

Can points be redeemed at the point of purchase or can they only be redeemed online?

You can only redeem points online through To redeem your points for cash or free ACU products complete an ACU Points Redemption Form.

If I am close to having enough points to redeem, can I purchase the balance of the points they need?

No, you cannot purchase the balance of the points you need. You must earn the required points needed to redeem for an item.

What will happen to my points if my card is lost or stolen?

If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on the website with your new card.

If someone manages to get access to my UChoose Rewards username and password, can they redeem my points?

Every effort is made to authenticate UChoose Rewards participants – but fraud can occur. If you feel that you might have been a victim of fraud, contact ACU by calling 866-469-6228 so that an investigation can be undertaken.

When redeeming can I send to a work address?

Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.

How much does it cost to participate?

There is no cost. Membership in UChoose Rewards® is absolutely free for Abri Credit Union Visa Rewards cardholders, so start shopping and earning today.

Some redemption items can be returned and some cannot. To understand the various redemption policies and processes, please review the Terms and Conditions at

If I transfer my account from a ACU Visa Platinum Rewards Credit Card to a ACU Visa Platinum Credit Card, will I still be able to redeem my points?

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.

If I request to close my account and pay it off over time, will I still be able to redeem my rewards points?

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

If my account is delinquent (more than two cycles past due), can my points be redeemed?

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.

If an account has been canceled by ACU, and I had a points balance, can I still redeem my points?

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

I have a joint cardholder on my credit card account, and each of us have a different card number. Can either of us enter our individual card number to redeem rewards?

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