Visa® Platinum Rewards Credit Card

* APR = Annual Percentage Rate.

Your APR will vary with the market based on the Prime Rate. Rates subject to change without notice. Subject to credit approval.

Minimum monthly payment due will be the greater of: a) 2.5% of outstanding balance, or b) $10.

IMPORTANT DISCLOSURES AND INFORMATION:

Membership required.

Our CURewards® program is an exciting benefit that rewards you for using your Soarion Visa® Platinum Rewards Credit Card. Every qualifying purchase made with your Soarion Visa® Platinum Rewards Credit Card will earn points that can be redeemed for merchandise, gift cards, hotel stays, vacation packages and now, cash back.

Accounts must be open and in good standing (not canceled or terminated by either party; not delinquent, over limit, or otherwise not available to use for charges) at time of redemption. Awards are not available when a cardholder is in default under the card agreement. We reserve the right to suspend the cardholder’s participation in the program until the account is in good standing. Points are forfeited if/when the card account is closed for any reason.

Enrollment

We automatically enroll all credit cardholders in the CURewards® Program.

Earning Points

Points are earned based on the dollar amount spent on signature-based qualifying purchases only. Credit card purchases will earn 1 point for every $1 spent. Primary accounts only. Cash advances do not earn points. You will earn rewards based on qualifying purchases. There is no cap on the maximum number of points that can be earned per billing cycle or per calendar year. Qualifying purchases are the purchases of products or services that post to your account, minus any returns, refunds, or other adjustments made with your Account by you or an Authorized User of your Account.

Viewing and Redeeming Points

Points will be posted on the program website www.CURewards.com. You will need to create a Login and Password to access their information. Alternatively, you can view and/or redeem your points in Digital Banking or the Mobile App by clicking on ‘Manage My Card’. Points earned will also appear on credit card statements. All available options are displayed on the site along with point values. You may redeem points when you have earned sufficient points for the award desired. Cash back may only be deposited to a Soarion Credit Union deposit account or redeemed for an account credit. You will need to enter your Soarion checking or savings account number to redeem cash back. Allow 10 business days for cash back to be deposited into your account.

Account credits will reduce your balance due but are not considered payments. You must still make your normal payment as defined in the cardholder agreement. Points are calculated and made available for redemption with each cycle. Points have no cash value. Allow 5 business days for account credits to reduce your outstanding balance.

When Points Expire

Points will expire after five years.  The year in which they were earned will be deemed the first year and will expire on December 31^st of the fifth year.