I. Description of the Program

  1. The rewards program (“Program”) is a service provided by Affinity Federal Credit Union (“Sponsor”) and managed by ampliFI Loyalty Solutions, LLC (“Administrator”).
  2. Participation in the Program is exclusive to those who have a current credit card issued by the Sponsor (“Rewards Card”). 
  3. The Sponsor reserves the right to disqualify and Cardholder from participation in the Program and invalidate all Points for abuse, fraud, or any violation of the Program terms and conditions. The Sponsor may make such a determination in its sole discretion.
  4. Rewards will be based on purchases and calculated as points (“Points”) and credited to the Cardholder(s)’s account with the Sponsor.
  5. The rewards program is void were prohibited by federal, state, or local law.
  6. The Sponsor and the Administrator are not responsible for typographical errors and/or omissions in any Program document.
  7. The Sponsor and the Administrator reserve the right to change the terms and conditions as well as the Points required for a reward within the rewards Program. At the Sponsor’s option, redemption of Points may be restricted, limited, expired, or cancelled at any time without prior notice.
  8. The Program’s Privacy Policy is available at the Program’s website on the bottom of each page.

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II. Earning Points

  1. Pure Rewards cardholders will earn rewards points (“points”) for purchases of all eligible goods and services using an Affinity Pure Rewards Visa® credit card (“card”). Points will be accumulated at the rate of one (1) point per each one (1) dollar charged on the cardholder’s Affinity Pure Rewards credit card.
  2. Point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the card during each periodic billing cycle ("billing cycle") by the cardholder(s) ("net purchase(s)"). 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 will be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated.
  3. If multiple reward cards are linked to the same account, points earned from each card will be issued together and posted to one rewards account. If multiple reward cards are not linked to the same account, they may not be added together or transferred from one account to another.
  4. Points may not be combined with any other loyalty/frequency reward program.
  5. Points will not be earned or accumulated for cash advances, convenience checks, traveler’s check purchases, finance charges, late fees, annual fees, over-limit fees, foreign transaction fees or Overdraft Protection transfers. At Affinity Federal Credit Union’s option, additional exclusions may be included in the rules governing the rewards program.
  6. Affinity Federal Credit Union reserves the right to disqualify any cardholder from participation in the program and invalidate all points for abuse, fraud, or any violation of the program terms and conditions. Affinity Federal Credit Union may make such a determination in its sole discretion.
  7. Affinity Federal Credit Union reserves the right to award bonus points to selected cardholders.
  8. 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).
  9. Merchant Funded Points (AMPRE). Cardholders can earn additional points from participating merchants when using their rewards card for purchases at participating AMPRE 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 AMPRE 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 an AMPRE merchant.

III. Redeeming Points

  1. To redeem points, visit the Program’s website or call the customer service department. All contact information is listed at the bottom of the Terms and Conditions.
  2. To redeem points, cardholder’s account(s) must be open (meaning not voluntarily closed, canceled or terminated for any reason); current (meaning there are no past-due balances on the cardholder’s card account(s) at the time of redemption request); cardholder’s outstanding balance must not be over the credit limit; account must not have a revoked, charged-off or bankruptcy status; and the card cannot have any other status preventing authorizations.
  3. Points are deducted from the Cardholder’s point balance as soon as they are redeemed.
  4. Points must be redeemed by the Cardholder but can be used to provide a reward for another person of their choice.
  5. The Cardholder agrees to release the Sponsor and Administrator, and its 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 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.
  6. The Cardholder is responsible for determining any tax liability arising from participation in the program. Consult a tax advisor concerning tax consequences.
  7. The rewards program is void where prohibited by federal, state, or local law .
  8. Affinity Federal Credit Union and the administrator are not responsible for typographical errors and/or omissions in any program document.
  9. Affinity Federal Credit Union and the administrator reserve the right to change the terms and conditions of the rewards program. At Affinity Federal Credit Union’s option, redemption of points may be restricted, limited, expired, or cancelled at any time without prior notice.
  10. The rewards program is a service provided through ampliFI Loyalty Solutions, LLC. (“administrator”), and Affinity Federal Credit Union. 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), Affinity Federal Credit Union reserves the right to cancel cardholder’s membership in the rewards program.
  11. Eligibility in the program is restricted to individuals who have a statement address within the 50 United States or the District of Columbia.

IV. Travel rewards

The administrator’s travel redemption center is able to take care of all travel arrangements. They are a full travel agency that can assist with air, hotel, auto, vacation and cruise reservations. The hours of operation for the travel redemption center are Monday through Friday from 5:00 a.m. to 12:00 a.m. CST, Saturday and Sunday from 6:00 a.m. to 10:00 p.m. CST.

  1. All travel must be redeemed through administrator’s fully licensed redemption reservation center, available either via telephone or online.  Cardholders must have an eligible Affinity rewards card at the time of redemption.
  2. All airline tickets issued in exchange for points are non-refundable and non-changeable after ticket issuance, without paying the standard fees charged by each airline.  Changes are subject to authorization by the airline and subject to add-collects and fees charged by the airline and redemption center.
  3. Lost, stolen or otherwise destroyed airline tickets will not be replaced, without the cardholder paying the standard fees charged by each airline.
  4. Cardholders may make additional travel reservations with the administrator’s travel department and use their Affinity Pure Rewards Visa® credit card.
  5. All travel documents will be issued the same day the reservation is made.
  6. Airfares are not guaranteed if not ticketed immediately.  All reservations will receive a fax or email the same day the ticket is issued.  The cardholder 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 their best to accommodate all changes and requests.  Any changes or corrections done the following day or there after are subject to all airline airfare charges, exchange fees and processing fees and processing charges.
  7. Paper airline tickets are subject to the individual airline paper ticket fees.
  8. If a paper ticket is issued, the cardholder has two options for delivery.  They can sign a waiver stating that they 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 48 contiguous states, deliveries will be subject to additional shipping charges.
  9. The cardholder is responsible for payment of any excess baggage charges, departure taxes or other charges that may have been assessed by governmental entities as a result of travel under the Affinity Rewards program.
  10. Administrator’s normal and customary fees associated with processing travel related services are billed to the cardholder’s Affinity rewards Visa® credit card.
  11. 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 carriage, 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 brought down by this industry are done quickly and without notice, therefore, reward redemption rules for air travel are subject to change without notice.
  12. Specific restrictions may apply to certain travel rewards.
  13. 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, vehicle rental collision insurance.
  14. Cardholders may redeem points for a single lowest published airfare as follows:
    1. Each free ticket must be ordered through Administrator.
    2. All free tickets must be for round-trip travel on the same airlines or code share airline.
    3. En-route stopovers are not permitted unless they are to make direct connections.
    4. Reservations for tickets are only allowed through standard commercial passenger carriers, which exclude the usage of charters.
    5. Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this agreement are met.
    6. Reservations shall also be subject to airline seat availability on travel dates specified by the traveler.
  15. Travel credit Cardholders may redeem points for a travel credit, which can be applied to any travel reservation including airline tickets and hotel reservations. The travel credit will be immediately applied to the total cost of the travel reservation. The cardholder will then be responsible for paying the amount remaining after the travel credit is applied to the full value of the travel reservation.

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V. Non-Travel Rewards

Merchandise

  1. When necessary, the Administrator may substitute a reward with an updated model of equal or greater value. Cardholders 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.
  2. 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
  3. No shipments of merchandise can be made to APO/FPO or PO Box addresses.
  4. 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 the cardholder’s rewards card.
  5. 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 ourknowledge. The Sponsor and the Administrator are not responsible for errors or omissions.
  6. The number of Points required for reward items are subject to change.
  7. Cardholders 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 Cardholders 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.
  8. 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, gift certificates and prepaid cards

  1. Points may be redeemed for gift cards or gift certificates from select merchants. Most gift cards or gift certificates are delivered within 2-4 weeks, to the address specified on the order file with the administrator, as long as it is within the United States and its territories. Points may also be redeemed for prepaid cards. The prepaid cards, issued by Visa®, may take up to 4-6 weeks for delivery and can only be shipped within the United States.
  2. Gift cards, gift certificates and prepaid cards cannot be returned, and are not redeemable for cash or credit.
  3. All other sales and/or use taxes including shipping and handling charges of items purchased using a gift card, gift certificate or prepaid card are the responsibility of the cardholder and are subject to the merchants’ policies in effect at the time of redemption. Purchases in excess of the amount of the gift cards are at the cardholder’s expense.
  4. Gift cards, gift certificates and prepaid cards may also be subject to other restrictions imposed by the merchant. Gift cards and gift certificates purchased to provide services are subject to the terms and conditions of the vendor providing the services.
  5. Additional terms and conditions may be specified on the gift card, gift certificate, or prepaid card.
  6. If a merchant declares bankruptcy the administrator is not liable for the underlying funds on the gift card or gift certificate.
  7. No dormancy or service fees will be charged by this administrator on the underlying funds of the selected reward gift card or gift certificate.
  8. Once the gift cards, gift certificates or prepaid cards are redeemed and/or used, the cards are not returnable, exchangeable, or replaceable.
  9. Each merchant sets a policy in regards to lost or stolen gift cards or gift certificates. We (the administrator) abide by the merchant's policy. If a gift card or gift certificate is lost or stolen, once received by you, you must report the occurrence to us (the administrator) immediately. We reserve the right to decline to replace lost or stolen gift cards or gift certificates.
  10. If gift cards, gift certificates or prepaid has been ordered by the cardholder and not received by the cardholder (addressee), the cardholder must notify the administrator using the provided customer service number. The cardholder 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.
  11. The administrator is not responsible if a recipient or cardholder defaces, damages, or otherwise renders unsuitable for redemption a gift card or gift certificate that was received from this reward site.
  12. The prepaid Visa® cards have an expiration date. The expiration date is imprinted on the front of the prepaid card. Expired prepaid cards cannot be replaced.
  13. Visa is a trademark of Visa U.S.A. Inc.

Cash rewards

  1. Rewards points may be redeemed for cash or credit as determined by Affinity Federal Credit Union.
  2. Affinity Federal Credit Union and Administrator reserve the right to disburse the cash rewards by a method other than the option redeemed.
  3. Cash Back reward(s) cannot be cancelled for any reason.

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VI. Pay With Points

By clicking “Accept”, I accept the terms and conditions below and authorize my payment card network (Visa) to monitor and share transaction data with Administrator to match my offers and transactions to earn rewards at participating merchants and provide me with targeted and/or location-based offers. I also acknowledge and agree that Administrator may share details of my qualifying transactions with certain third parties to support the rewards programs in which I participate in accordance with the Terms and Conditions and Privacy Policy.

  1. With Pay With Points, Cardholders may redeem Points for credit card purchases via text messaging, by email or online. Pay With Points is only available for credit card transactions. The Points redemption comes in the form of a statement credit to Cardholders’ monthly billing statement. Points will be deducted from your Points balance and a statement credit for the purchase amount will be applied to your account billing statement 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). 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.
  2. 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. If any changes are made to Cardholder’s account that will affect the card number, account ownership or your rewards program, Cardholder may 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 canceled by visiting the Alerts page.
  3. 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 the Sponsor. Cardholders will receive a Pay With Points Rewards request text or email message if their credit 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.
  4. Cardholder’s account must remain in good standing in order to redeem. Cardholder may redeem by replying ‘REDEEM’ within 72 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 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.
  5. 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).
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. The terms and conditions of this service with participating U.S. mobile carriers may change at any time with or without notification.

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VII. Contact Information

  1. For questions, concerns, or complaints, please contact the Administrator's customer service center at 888.659.9879. You should expect a resolution to all inquiries within 3 business days.
  2. The Administrator’s inbound customer service center is accessible 24 hours/ 7 days a week. Should a voicemail need to be left, the call will be returned the following business day.
  3. Customer service specialists are available Monday through Friday from 8 am to 11 pm ET, Weekends from 8am – 8pm ET.
  4. For questions related to the reward program, please call: 800.325.0808.
  5. The inbound customer service center will be on select holiday’s which will be published each calendar year.
  6. The program's website is: affinityfcu.com.

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