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Elite Choice Rewards MasterCard

FAQs and Account Disclosures

To apply for an Elite Choice Rewards MasterCard go HERE.

 
To learn more read the following:

Program Frequently Asked Questions

How do I know how many points I have?

Your current available points balance is listed in the top right corner of every page of your statement.

Will my points expire?

Points expiration rules are available within theProgram Terms and Conditions.

Program Terms and Conditions

Program Terms and Conditions

Details can be found at the end of hte FAQs listed here. Or, at the bottom left of each page on the rewards website.                    

How can I earn points?

Points are awarded for qualifying purchases using your financial institution issued rewards card. Please view the Program Terms and Conditions.

How can I place my order?

There are multiple ways you can order your rewards, by phone or via the rewards website.

  • To place your order over the phone, please call our customer service number. When speaking to a representative, please be as specific as possible regarding the brand and name of the reward you want, the color and size (if this applies) and the item number (if you know it) to ensure the desired reward is ordered correctly (ex: Apple 64 GB 4th Generation iPod Touch in black).
  • The most popular way to order your reward is directly through this website! First, select the rewards category you would like to view under the "Browse rewards" dropdown menu. Then:
  1. Select the reward you want.
  2. Select "Add item to cart" to place your order and choose "Check out" (To change your selection or to start over, simply remove the item(s) from your Cart).
  3. Verify and confirm your redemption information and enter the shipping address.
  4. Continue to step 2 and review your order to ensure the reward listed is exactly what you want.
  5. Select "Place my order" to complete your order. You will receive an order confirmation with the option to print the confirmation for your records, and an email confirmation will be sent to the email address you provided.

Why do I need to provide my phone number?

Occasionally the delivery service may need to contact you to complete the delivery, especially if you have ordered a larger item that will be delivered by truck. If your reward request was mailed, we may need to contact you regarding the request to ensure that the desired reward is ordered correctly.

Why do I need to provide my email address?

We will send you a redemption confirmation for your order(s) via email at the email address you provided to us so that you can easily maintain the information for your records. If you are redeeming your points for an eGiftCard, you will need to provide your email address so that you can receive your eGiftCard code.

What if the reward I ordered isn't available?

If you already placed the order but the item is no longer available, we will contact you at the phone number you provided immediately. We will make every effort to substitute a similar item of equal or higher value. If a substitute is not available, you will be notified, and your points will be credited back to your account so you may browse for another reward.

Will I be charged for shipping?

No, shipping or handling fees only apply for merchandise being delivered outside of the contiguous U.S. For information on these fees, please contact customer service.

How will my order be shipped?

UPS usually delivers small packages, but larger items will be shipped by common carrier. Although we are unable to pre-arrange delivery for a specific day or time, we will notify the common carrier to contact you prior to delivery. Common carrier shipments are curbside deliveries. Please plan to be available and assist with unloading at the time of delivery. An in-house delivery can be arranged on some furniture and appliance shipments. To discuss special delivery arrangements, please contact customer service.

Are gift cards the only item that can be shipped to a P.O. Box?

Yes, gift cards that are valued under $300 can be delivered to a P.O. Box because they are shipped via First Class US Mail. However, gift cards that are over $300 cannot be shipped to a P.O. Box because they are shipped via UPS Ground. Our other merchandise is also shipped through UPS and requires a valid street address to ensure proper delivery.

Can I ship my order to a different address?

Yes, when submitting your order, please enter the address within the “Ship to” address fields. Please be aware that there are fees associated with shipping outside of the contiguous US. If you have any further questions, please call customer service for more information regarding shipping policies.

Can I ship to an address outside of the United States? 

No, when submitting your order, please enter a physical US address within the “Ship to” address fields. Please be aware that there may be additional fees associated with shipping outside of the contiguous US. If you have any further questions, please call customer service for more information regarding shipping policies.

Order Status

How can I check on the status of my order?

You can check the status of your order online by selecting Order Status in the dropdown menu or by calling customer service to speak directly to a representative.

How can I cancel my order once it's been placed?

In most cases, you may cancel your order if the item was not customized and has not already shipped at the time of cancellation. If you have any questions about our cancellation policy, please contact customer service for more details.

How long will it take to receive my order?

Please allow the standard shipping time of 2-4 weeks to receive your order. Gift cards will ship within 2-4 weeks of when the order was placed. Gift cards are shipped via first class U.S. mail (or UPS Ground for orders over $300). eGiftCards will be delivered immediately via email.

What should I do when my order is delivered?

If your order is delivered by common carrier or freight line:

  • Open the box and inspect the item for damage. If damaged, refuse the shipment. For deliveries without apparent damage, please sign the bill of lading "Subject to inspection". If concealed damage is found, contact customer service immediately for further instructions.

If your order is delivered by small package carrier such as UPS:

  • Inspect the order immediately. For damaged items, refuse the package. If the package was dropped off, please keep all packaging and call customer service for further instructions.

I ordered multiple items but only one has arrived, what should I do?

If you ordered two or more items, do not be concerned if the first shipment contains only part of your order. Our merchandise is shipped directly from our vendors and therefore it may arrive at different times. In the case of an unusual delay, a customer service representative will contact you at the phone number you have provided.

Can items be returned?

Most orders are not returnable. If we can accommodate a request for a return, the merchandise must be unopened and in its original packaging. Electronics must have the manufacturer's seal still intact. Customized merchandise is not returnable. Other restrictions may apply. If an incorrect, damaged, or defective item is received, contact customer service for further instructions.

What if I have a problem with an item that I've had for a while?

All items come with a full manufacturer's warranty and information regarding authorized repair centers and are covered for up to 30 days from purchase. If you have a problem with an item, please contact the manufacturer at the toll-free number located in the owner's manual for service. All electronics must be handled through the manufacturer's warranty.

I need a copy of my receipt for the warranty, what should I do?

Most manufacturers will accept your order confirmation as proof of purchase. If you need a hard copy of the receipt, contact customer service and they will submit a request for a copy of your receipt. You should receive it within 5-7 business days.

I lost my gift card; can I get a replacement sent to me?

Gift cards should be treated as cash. Once they are received, if lost or stolen, they cannot be replaced.

When does my gift card expire?

Gift cards do not expire. However, the expiration date on the prepaid MasterCard® is 12 months from the date of issuance and the expiration for the prepaid Visa® is 24 months from the date of issuance.

I ordered a $100 gift card, but I received two $50 gift cards, why?

For your convenience, we generally have gift cards with smaller denominations in stock and readily available for shipment.

What are eGiftCards?

eGiftCards are gift card barcodes that can be used online or in-store at the participating merchant. When you redeem your points for an eGiftCard, we'll send it to the email address you provide at check out immediately. Since eGiftCards don't have to be shipped, you can redeem your gift card even sooner!

Why do I need to enter an email address when I redeem my points for an eGiftCard?

Your eGiftCard code will be sent to you via email. After you receive a confirmation email from us, you can use the code immediately to redeem at the participating merchant.

When will my eGiftCard be emailed to me?

You should receive a confirmation email from us within 72 hours after placing your order. To ensure your confirmation email will not be accidentally misplaced, please add gc@vcdelivery.com to your safe senders list.

How do I know which gift cards are eGiftCards?

eGiftCards are labeled with a green flag in the Gift cards reward category. You can also view eGiftCards in the eGiftCards subcategory.

Why are some gift cards available in both plastic (snail mail) and eGiftCard form?

We've added eGiftCards for some of our most popular merchants to cut down on shipping time and allow you to redeem your gift card even faster!

I redeemed my points for an eGiftCard, but I haven't received a confirmation email, what should I do?

Please add gc@vcdelivery.com to your safe senders list and check your email account to see if the confirmation was accidentally filed into a spam folder. If you still cannot find the confirmation email, please contact customer service for assistance.

 How can I place an order for an airline ticket or book a hotel reservation?

All airline ticket and hotel reservation redemptions can be made by selecting the "Online reservations" link under the Travel category.

  • To book a flight, fill out the criteria for your reservation. Once you have found the flight you would like to book, select "Choose this flight". Fill in the passenger information carefully and select "Continue". Then, enter the billing and contact information and select "Continue". Review the information on the "Confirm booking details" page and if this information is correct, confirm the reservation. Please be patient while the website completes your reservation. Once your reservation has been processed, an order confirmation will appear for your records.
  • To book a hotel reservation, fill out the criteria for your reservation. Once you have found the hotel room you would like to reserve, select "Select". Then, enter the guest information and select "Continue". Next, fill in the billing and contact information and select "Continue". Review the information on the "Confirm booking details" page and if this information is correct, confirm the reservation. Please be patient while the website completes your reservation. Once your reservation has been processed, an order confirmation will appear for your records.

To speak with a travel service representative, please call the customer service. To find additional information on how to redeem your points for travel or book your next vacation, select Redemption Information under the Travel category.

Are there additional fees that I need to pay to make my reservation?

There may be some additional fees to fulfill a travel reward. The online reservations portal or travel service representative will notify you prior to charging your rewards card.

Can I cancel a travel reservation?

Please call customer service for more information regarding our travel reservation cancellation policy.

Are there any other rules related to travel redemption?

Please review the Program Terms and Conditions

ShopSPOT FAQ

What is ShopSPOT?

ShopSPOT is a program that links offers from merchants directly to your loyalty program card. You earn points simply by using your card at participating ShopSPOT merchants. Points are awarded automatically—there are no hoops to jump through.

How does ShopSPOT work?

You earn extra points for shopping at participating merchants online and in-store. Bonus points are awarded in addition to the points you earn for your everyday loyalty program purchases. To earn bonus points from a ShopSPOT merchant, you must sign for your purchase. PIN purchases do not earn bonus points. Each merchant may have a different offer, so please check back frequently for updated information.

When will the ShopSPOT bonus points appear in my account?

Bonus points will be placed in your account in 45 – 90 days from the date of your purchase.

How do returns, exchanges or back orders affect the points I earned?

If any part of the purchase is returned to the merchant or is not completed, your points for that transaction may be reduced or removed from your reward account. Please check each retailer's policy for returns.

How do returns, exchanges or back orders affect the points I earned?

If any part of the purchase is returned to the merchant or is not completed, your points for that transaction may be reduced or removed from your rewards account. Please check each retailer’s policy for returns.

How do I identify ShopSPOT merchants?

You can browse the merchant offers by logging on to your loyalty program website and selecting the ShopSPOT link.

How do I tell the merchant I am using a ShopSPOT offer?

You do not have to tell the merchant. The merchant's system will automatically recognize if your loyalty program card is enrolled when you swipe and sign to make your purchase.

 

Member Rewards by Co-op Program Terms and Conditions

Description of the Program    

The Member Rewards by Co-op program (“Program”) is a service provided by AIM Credit Union (“FI”) and CU Cooperative Systems, Inc. dba Co-op Solutions (“Sponsor”) and managed by ampliFI Loyalty Solutions, LLC (“Administrator”).

Participation in the Program is exclusive to those individuals who have a current debit or credit card issued by their FI (“Rewards Card”).

The Sponsor and/or FI reserves the right to disqualify you from participation in the Program and invalidate all Points for abuse, fraud, or any violation of the Program terms and conditions. The Sponsor or FI may make such a determination in its sole discretion.

The rewards program is void where prohibited by federal, state, or local law.

The FI, Sponsor and the Administrator are not responsible for typographical errors and/or omissions in any program document.

The FI, Sponsor and the Administrator reserve the right to cancel the Program, change the terms and conditions of the Program, and change the points required for a reward within the Program. At the FI’s option, redemption of Points may be restricted, limited, expired, or cancelled at any time without prior notice.

Eligibility in the program is restricted to individuals who have a statement address within the 50 United States, the District of Columbia or any U.S. Possession or Territory.

The Program’s Privacy Policy is available at the Program’s website on the bottom of each page.

 

Earning points

You will earn (“Points”) for purchases of all eligible goods and services using your Rewards Card. Refer to rewards website for earnings ratios. Points accumulated for other products or services are determined at the sole discretion of the FI.

Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to your Rewards Card during each day. Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated.

If more than one card has been issued for the same account, the points earned from each card accumulate on each card separately, unless you contact the FI and request the primary and joint cardholder points to be householded into one point balance. Authorized signor card points will accumulate on the primary cardholder’s card.

Points may not be combined with any other loyalty/frequency reward program that is not managed by the Sponsor.

The FI reserves the right to award bonus Points for any activity or condition it decides.

Points are not your property and cannot be bought, sold, or transferred in any way (including upon death or as part of a domestic relations matter).

Points are tracked and redeemable on a first-in, first-out basis. Points will expire on the last day of the month. Refer to rewards website for point expiration details.

The FI, Sponsor and the Administrator shall have no liability for disagreements with you regarding Points. The FI’s decisions regarding Point discrepancies shall be final.

Merchant Funded Points (ShopSPOT). Cardholders can earn additional Points from participating merchants when using their Rewards card for purchases at participating ShopSPOT merchants, both online and in-store. Point earnings will vary based upon the merchant. Each merchant's Point earnings ratio is listed on the Program's website.

By providing your email address when you register on the Rewards website, you can agree to receive all future ShopSPOT correspondence and notices electronically to that email address. Email is the primary method for contacting Cardholders regarding their participation in the Program. It is the Cardholder's responsibility to update or change the email address on file. This can be done on the Program's website.

New merchant offers are updated periodically. There is not a limit to the number of times a Cardholder can earn Points for shopping at a ShopSPOT merchant.

Returns and/or cancellations of Qualifying Purchases, may result in the deduction of points from your rewards program account.

In the event of fraud, abuse of program privileges or violation of the program rules (including any attempt to sell, exchange or transfer points or the instrument exchangeable for points), the program Sponsor reserves the right to cancel cardholder’s membership in the rewards program.

If more than one credit card has been issued for the same checking account, the Points earned from each card will automatically be pooled together into one available Point balance.

Points may not be combined with any other loyalty/frequency reward program that is not managed by the program's Sponsor.

The Sponsor reserves the right to award bonus Points to selected cardholders for any activity or condition it decides.

Points are not the property of the cardholder, and cannot be bought, sold, or transferred in any way (including upon death or as part of a domestic relations matter).

Points are tracked and redeemable on a first-in, first-out basis. Points will expire on the last day of the month, three (3) years after the date of issuance.

The Sponsor and the Administrator shall have no liability for disagreements between Cardholders regarding Points. The Sponsor's decisions regarding Point discrepancies shall be final.

 

Redeming Points

To redeem points, visit the Program’s website or call the customer service department. All contact information is listed at the bottom of these Terms and Conditions.

To be eligible to redeem Points, your account(s) must be open (meaning not voluntarily closed, canceled, or terminated for any reason) and the Rewards Card cannot have any other status preventing authorizations.

Points are deducted from your point balance as soon as they are redeemed.

Points must be redeemed by you but can be used to provide a reward for another person of your choice.

You agree to release the FI, Sponsor and Administrator and each of their vendors from all liability for any injury, accident, loss, claim, expense, or damages sustained by the Cardholder, associated with a reward or use of rewards while participating in this Program and in the case of a travel reward, anyone traveling with or without the cardholder, in connection with the receipt, ownership, or use of any reward. The FI, Administrator and the Sponsor shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the reward.

You are responsible for determining any tax liability arising from participation in the program. Consult a tax advisor concerning tax consequences.

Travel rewards

The Administrator’s travel redemption center can take care of all travel arrangements. They are a full-service agency that can assist with air rewards, hotel, auto, vacation and cruise reservations.

All travel must be redeemed through administrator’s fully licensed redemption reservation center or website. You must have an eligible rewards card at the time of redemption.

All airline tickets issued in exchange for points are non-refundable and non-changeable after ticket issuance. Changes are subject to authorization by the airline and subject to any fees charged by the airline and redemption center.

Lost, stolen or otherwise destroyed airline tickets will not be replaced unless you pay the standard fees charged by each airline.

You may make additional travel reservations with the Administrator’s travel department or website using their rewards card.

Airfares are not guaranteed until ticket is issued. All reservations will receive a fax or email on the same day the ticket is issued. You must call in any corrections or discrepancies by the close of business, the same day the ticket is issued. The travel redemption center will do its best to accommodate all changes and requests. Any changes or corrections done the following day or thereafter are subject to all airline airfare charges, exchange fees and processing fees and processing charges.

Paper airline tickets are subject to the individual airline paper ticket fees.

If a paper ticket is issued, you have two options for delivery. You can sign a waiver stating that you accept responsibility for a lost ticket, and then the ticket will be sent via US Mail. The second option is to pay a shipping fee for the ticket to be sent via overnight delivery. Priority, Saturday and outside the forty-eight (48) contiguous states, deliveries will be subject to additional shipping charges.

You are responsible for payment of all baggage charges, departure taxes seat assignment charges, or other charges that may be assessed by airlines, travel companies and/or governmental entities because of travel under the rewards program.

Administrator’s normal and customary fees associated with processing travel related services are billed to ’your Rewards Card’.

The FI, Sponsor and Administrator are not responsible for the performance by the airlines of the ticketed transportation. All reservations are made subject to the conditions of airlines, supply or business of the party providing the service, which include exclusions and limitations of liability. The airline industry is in constant flux and changes made by this industry are done quickly and frequently without notice, therefore, reward redemption rules for air travel are subject to change without notice.

A valid government ID must be presented at the airport, and it must match the traveler’s complete name as listed on the airline ticket.

Travel insurance: For added protection, it is highly recommended that all travelers consider purchasing travel insurance at the time of ticketing to cover airline bankruptcy, trip cancellation & interruption, baggage delays and lost baggage, medical expense, emergency medical transportation, and vehicle rental collision insurance. This must be done directly with the airline.

You may redeem points for a single lowest published airfare as follows:

Each free ticket must be ordered through Administrator

All free tickets must be for round-trip travel on the same airlines or code share airline.

En-route stopovers are not permitted unless they are to make direct connections.

Reservations for tickets are only allowed through standard commercial passenger carriers, which exclude the usage of charters.

Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this agreement are met.

Reservations shall also be subject to airline seat availability on travel dates specified by the traveler.

 

Non-travel rewards

When necessary, the Administrator may substitute a reward with an updated model of equal or greater value. You will be notified of any change when ordering. The rewards Program Administrator reserves the right to replace or remove certain sections within any program literature or website. All rewards are subject to availability.

Merchandise rewards may take two to four (2-4) weeks to be delivered from the time of order. Multiple rewards may arrive at different times because they may be provided by different vendors. Delivery times may increase during peak holiday periods.

No shipments of merchandise can be made to PO Box addresses.

Merchandise shippable by UPS will be available to all US territories. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam, and the US Virgin Islands will have an additional freight charge billed to ’your Rewards card’.

Merchandise pictured in any reward’s program brochure or website may not necessarily reflect exact colors or models of actual rewards due to printing variations and/or manufacturers’ updates. Information is accurate to the very best of our knowledge. The FI, Sponsor and the Administrator are not responsible for errors or omissions.

The number of Points required for reward items are subject to change.

You may exchange merchandise only in the event of merchandise defects or damage in shipment. Some items are delivered by common carrier, where a delivery time is scheduled, and someone must be present to accept delivery. When this is the case, the item must be opened in the presence of that carrier and any exceptions, damages, or shortages must be noted on the delivery receipt before you sign to accept shipment of merchandise. For those items that are delivered without being scheduled, please inspect the item within 24 hours of delivery and notify the customer service center if you find any exceptions, damages, or shortages.

All merchandise is covered by manufacturer’s warranties. Any such defect should be handled through the standard manufacturer repair facility as noted with product.

 

Gift cards and certificates

Points may be redeemed for gift cards and certificates from select merchants. Most gift cards and certificates are delivered within two to three (2-3) weeks, to the address specified on the order file with the Administrator if it is within the United States and its territories. Delivery times may increase during peak holiday periods.

Gift cards and certificates cannot be returned and are not redeemable for cash or credit.

All other sales and/or use taxes including shipping and handling charges of items purchased using a gift card or certificate are your responsibility and are subject to the merchants’ policies in effect at the time of redemption. Purchases more than the amount of the gift cards are at ’your expense’.

Gift cards and certificates may also be subject to other restrictions imposed by the merchant. Gift cards and certificates purchased to provide services are subject to the terms and conditions of the vendor providing the services.

Additional terms and conditions may be specified on the gift card or certificate.

If a merchant declares bankruptcy the FI, Sponsor and Administrator are not liable for the underlying funds on the gift card or certificate.

Once the gift card or certificate is redeemed and/or used, they are not returnable, exchangeable, or replaceable.

Each merchant sets a policy regarding lost or stolen gift cards or gift certificates. If a gift card or certificate is lost or stolen, you should report the occurrence to the Administrator immediately. The Administrator reserve the right to decline to replace lost or stolen gift cards or certificates.

If gift cards or certificates have been ordered and not received, please notify the Administrator using the provided customer service number. You must notify the Administrator no earlier than fifteen (15) days after the expected receipt date and no later than sixty (60) days from the expected ship date. Upon receipt of such notification, the Administrator will investigate. The Administrator with its sole discretion may replace any non-received shipment, in which a full balance remains on a gift card or gift certificate.

The Administrator is not responsible if you or a recipient defaces, damages, or otherwise renders unsuitable for redemption a gift card or certificate that was received from this reward site.

 

Statement credit rewards

The statement credit reward(s) will appear as a credit on your Reward card balance.

You are responsible for any outstanding balance owed on the account after the credit is applied.

Statement credit reward(s) cannot be applied toward the payment amount owed on your Reward card.

It may take up to 1-2 billing cycles for a statement credit to post to an account.

 

Cash back rewards

The cash back reward(s) must be deposited into your financial institution’s savings or checking account.

The cash rewards(s) may take 3-5 business days to be deposited to an account.

 

Contact information

For questions, concerns, or complaints, please contact the Administrator’s customer service center at 866-223-5017. You will always reach a live agent. You should expect a resolution to all inquiries within 3 business days.

The travel redemption center is available Monday through Friday from 9:00 a.m. to 10:00 p.m. ET, Weekends from 9:00 a.m. to 1:00 p.m. ET. Closed New Year’s Day, Easter, Memorial Day, Thanksgiving and Christmas.