1. Purchase
Make a purchase using your Visa Signature Rewards Credit Card or Visa Rewards Debit Card.
*PIN-based debit transactions are not eligible.
Pay With Points
A New, More Convenient Way To Redeem Your Loyalty Rewards
With a single click in an email or a one-word response to a text message, you may redeem points to pay for your qualified purchases.
2. Get Notified
If the purchase qualifies for the Pay with Points rewards feature, you will receive an email or text notification.
3. Redeem
If you would like to use rewards points to pay for your purchase, click REDEEM NOW in the email notification or reply the word 'REDEEM' to the text message received.
When your points are redeemed, you'll receive a statement credit for the exact amount of the purchase.
Never Miss A Notification
(Or do. It's up to you.)
1. Select Pay With Points.
You can find it in your online or mobile banking under the Real-Time Rewards menu.
2. Update your profile.
Review and make changes to your profile for threshold or information reward alerts.
3. Enroll and set preferences.
For things like:
Please call 800-482-1043 if you have any questions regarding Pay With Points or require any other rewards related assistance.
Pay With Points Terms & Conditions: Each person that participates in the Pay With Points program does so on the basis of the following Terms and Conditions.
The payment card network (e.g. Visa) monitors transaction data involving your reward card in order to identify card transactions that qualify for participation in the Pay With Points program, and shares that data with amplifiFI Loyalty Solutions LLC (“Administrator”) and Y-12 Federal Credit Union (“Sponsor”) to qualify purchases for the Pay With Points service. The Administrator shares details of your qualifying transactions with the Sponsor’s rewards vendor in which you participate in accordance with these Terms and Conditions and the Sponsor’s Privacy Notice.
With Pay With Points, Cardholders may redeem points for credit/signature debit card purchases via text messaging, by email or online, as each option becomes available to Cardholders via our website(s). Pay With Points is only available for credit cards and signature debit card transactions. PIN-based debit transactions are not eligible. The points redemption comes in the form of a statement credit to Cardholders’ monthly billing statement or debit account. Points will be deducted from your points balance and a statement credit for the purchase amount will be applied to your Account billing statement or debit account when the Cardholder requests redemption. For transactions which include a gratuity, fees, or estimated taxes, the statement credit may not equal the Cardholder’s final purchase amount. Auto bill pay transactions may be part of Pay With Points Rewards text messages and emails if the Purchase falls within Cardholder’s preference selections. The following purchases are not eligible for Pay With Points: (i) any transaction that is not directly processed or submitted through the Visa U.S.A. payment systems, as applicable; and (ii) any purchase that Visa U.S.A. is unable to monitor (including purchases you initiate through identification technology that substitutes for a PIN and transactions made through a payment method such as a digital wallet or a third party payment product where your Rewards Card is a funding source but you do not present your Rewards Card directly to the merchant). Pay With Points text messages and emails are available for transactions with U.S. merchants. International transactions may also be available, subject to conversion to USD and the merchant processing under categories included in the program.
Cardholders may sign up for Pay With Points notifications using their 10-digit U.S. mobile number or email address. Only one mobile number and/or email address may be used per Household. After Cardholder completes a brief enrollment profile, Cardholder must confirm text enrollment by replying ‘YES’ to a confirmation message that Pay With Points Rewards will send you when the text portion of the program is live. If any changes are made to Cardholder’s Account that will affect the card number, Account ownership or your rewards program, Cardholder will need to re-enroll in Pay With Points Rewards. Message and data rates may apply. Message frequency is based upon the preferences Cardholder selects and the purchases Cardholder makes on Cardholder’s Account. Once the text program is launched, you may text ‘HELP’ in response to our text messages for Help. Text ‘STOP’ in response to our text message or return to the Alerts page on our website to cancel participation in Pay With Points Rewards text notifications. All cancellations completed via text message will remove that mobile number from all accounts registered for Pay With Points Rewards. E-mail or text messaging may be cancelled by visiting the Alerts page.
Cardholders will not receive Pay With Points Rewards text messages or emails until they confirm their enrollment and preferences, unless initial preferences are set by their financial institution. Cardholders opting into these services prior to their launch, will receive notification once their selected option is available. Cardholders will receive a Pay With Points Rewards request text or email message if their credit card purchase falls within the criteria they have set up in Pay With Points Rewards preferences and they have enough points to redeem. Merchants who accept your card are assigned a merchant code based on the kinds of products and services they sell. Administrator or Sponsor does not control how Purchases are processed by merchants or the merchant codes they use; therefore, Administrator or Sponsor cannot guarantee that a specific transaction will qualify.
Cardholder’s account must remain in good standing in order to redeem. Cardholder may redeem by replying ‘REDEEM’ within 24 hours of when the text was sent, selecting the one-click redemption option in an email notification or by selecting from eligible transactions online. Cardholder may only redeem the most recent Pay With Points text or email message. Online redemption of eligible transactions will be available for up to 45 days. Upon confirmation of a redemption request, points will be deducted from your points balance immediately, and a statement credit to Cardholder’s statement or debit account will be processed within three business days and will appear on Cardholder’s next billing statement. Please allow up to ten days for your statement credit to appear.
The Account statement credit for a Pay With Points Rewards redemption will reduce the Account balance but will not count toward the minimum payment due for credit accounts. All redemptions are final. If Cardholder returns the item or service for which points were redeemed to the merchant, the points will not be reinstated, but Cardholder may receive a monetary credit to their Account (in accordance with the merchant’s return policy).
There is no fee to receive text messages or emails related to Pay With Points program. Message & data rates may apply – this can be checked with the mobile service provider. Charges are billed and payable to your mobile service provider or deducted from Cardholder’s prepaid account. Consent is not a requirement for purchase.
Data obtained from Cardholder in connection with this text and email message service may include Cardholder’s phone number and email address, your carrier’s name and the date, time and content of your messages. The Administrator or Sponsor may use this information to contact you and to provide the services you request from us.
The Administrator or Sponsor will not be liable for any delays in the receipt of any text or email messages as delivery is subject to effective transmission from network operator or internet service provider. Pay With Points Rewards messages sent via text message may not be delivered if the mobile phone is not in range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within a coverage area, factors beyond the control of the wireless carrier may interfere with message delivery, including terrain, proximity to buildings, foliage, weather and equipment.
As a participant of the Pay With Points Rewards program, Cardholder may choose to receive text or e-mail messages based on participation and preferences. Cardholder can opt-out from this service at any time by visiting our website or calling the Rewards Center. After opt-out, Cardholder may still receive text or email messages for up to 24 hours. Opting out via text message or through any other process will remove Cardholder’s mobile number from all accounts registered with Pay With Points Rewards. By participating in the Pay With Points Rewards program, Cardholder consents to receive, from time-to-time, further text messages and emails from the Program, its affiliates and partners. Message & data rates may apply.
The terms and conditions of this service with participating U.S. mobile carriers may change at any time with or without notification.
