• I. Description of the Program
• II. Earnings Points
• III. Card Linked Offer Points (AMPRE)
• IV. Redeeming Points
• V. Pay With Points
• VI. Contact Information

I. Description of the Program

1. Cash Rewards Visa Signature ("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 Affinity Cash Rewards
3. Visa Signature credit card issued by Affinity Federal Credit Union. These owners of these cards are defined as "cardholder” and collectively as “cardholders.
4. The sponsor 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.  The sponsor may make such a determination in its sole discretion.
5. The program is void where 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 canceled at any time without prior notice.
8. The program's privacy policy is available at the reward program's website on the bottom of each page.

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II. Earnings Points

1. Cardholders will earn 5% cash back (which is equivalent to 4 points for every $1 spent) on up to $1,000 per month for all purchases made on Books & Stationary purchases, which also include purchases made at Amazon.com.*
2. Cardholders will earn 2% cash back (which is equivalent to 2 points for every $1 spent) for all purchases made on Supermarket purchases.*
3. Cardholders will earn 2% cash back (which is equivalent to 2 points for every $1 spent) for all purchases made on dining or restaurant purchases.*
4. Cardholders will earn 2% cash back (which is equivalent to 2 points for every $1 spent) for all purchases made on fuel purchases.*
5. Cardholders will earn 2% cash back (which is equivalent to 2 points for every $1 spent) for all purchases made at restaurants.*
6. Cardholders will earn 2% cash back (which is equivalent to 2 points for every $1 spent) for all purchases made at ride share services.*
7. Cardholders will earn 2% cash back (which is equivalent to 2 points for every $1 spent) for all purchases made at streaming services.*
8. Cardholders will earn 1% cash back (which is equivalent to 1 point for every $1 spent) for all other credit card purchases.

*Please note that these bonus categories are categorized by specific Merchant Category Codes.

Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant’s primary line of business. We do not determine which MCC a merchant chooses to classify itself. We group similar MCCs into Bonus Categories to help you earn bonus rewards on purchases made a specific merchants. Your purchase may not qualify to receive the bonus earn rate if the merchant does not process transactions under the MCC that corresponds with the Bonus Category, or your purchase is processed through a third-part payment account, mobile/wireless card reader, digital wallet not supported by Affinity Federal Credit Union.

9. Points earned, are rounded to the nearest whole number.  If the value is less than or equal to (0.49), the number will round down to the nearest whole number. If the value is greater than or equal to (0.50), the number will round up to the nearest whole number.
10. Points accumulated for other banking relationships, products or services are determined at the sole discretion of the sponsor.

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III. Card Linked Offer Points (AMPRE)

1. Cardholders can earn additional points from participating merchants when using their rewards card for eligible 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. Each participating merchant has reserved the right to change at any time, and without notice, the amount or percentage of any points it offers as well as the terms and conditions of any qualifying purchase. You acknowledge that errors in the offer terms and conditions obtained through your use of the program may occur from time to time, whether caused by a participating merchant or otherwise, and the program or the participating merchant will use its commercially reasonable efforts to promptly correct any such error, and you agree not to bring any action against the program based upon or related to such errors. Your continued use of the program thereafter will constitute acceptance of such terms and conditions. The program does not represent or warrant that any participating Merchant will participate in the program at the time you join the program or at any time thereafter
2. Cardholders must sign for an in-store purchase to earn points. Points will be available to view on the account statement page as “pending” in 10-14 days. Points will be posted to the cardholder’s rewards account within 45-90 days. The program will not be liable for damages resulting from any failure to post points to your rewards account in a timely manner. You acknowledge and accept that you are solely responsible for checking your rewards program account regularly to verify that points have been properly posted. If you believe that points have not been properly posted to your rewards account, then you must inform the program within one year of the qualified transaction for which you are claiming that points should have been posted and must be able to provide proof of suchtransaction acceptable to the Program. The program reserves the right to determine, in its sole and absolute discretion, whether points should have been posted to your rewards program account. You acknowledge that any such determination by the program will be final and binding
3. You agree that the program is not an agent of any participating merchant and that participating merchants operate independently of the program. The program does not represent or warrant or give any assurances that any Participating Merchant will provide points for any transaction even where such transaction would appear to qualify for such points. The program is not responsible for the failure of any participating merchant to pay points in accordance with the terms of that participating merchant's offer. The program does not assume any liability, obligation, or responsibility for any part of any offer or promotion, including without limitation the withdrawal or modification of any such offer or promotion. Also, no participating merchant assumes any liability, obligation, or responsibility for our conduct with respect to the program. Purchases from participating merchants may not qualify if a separate coupon code or promotion is used; all offers are subject to the offer terms and conditions as described in the applicable offer description and as otherwise may be set forth in such participating merchant’s policies or otherwise on its website.
4. Participating merchants may have agreed to pay the program certain operating or marketing fees when participants purchase goods or services using their rewards program card (whether credit, debit or otherwise). Points associated with any purchase from a participating merchant will not be earned by you unless and until the fees have been paid in full by such participating merchants to the program. From time to time, the Program may post pending points from participating merchants to your rewards program account prior to the payment received by the program. The program reserves the right to reverse the posting of any points in the event the applicable participating merchant does not make timely payment to the program. The program reserves the right to change its offer with respect to the amount of the points associated with any participating merchant at any time, but no such change will affect any points earned prior to such change.
5. To adjust for returns and/or cancellations with respect to qualifying purchases, the program may deduct points from your rewards program account. In the event of any abusive or fraudulent activity related to the program, the program reserves the right to make any adjustments to your rewards program account at any time. Any such adjustments, however, will be made in accordance with this Agreement, the Policies, any applicable laws, rules, or regulations, and the terms of any participating merchant offers.
6. 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.
7. 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.
8. 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.
9. Points may not be combined with any other loyalty/frequency reward program that is not managed by the program's Sponsor.
10. The sponsor reserves the right to award bonus points to selected cardholders for any activity or condition it decides.
11. 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).
12. 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.

IV. Redeeming Points

1. To redeem points, visit the reward website or call administrator’s customer service department.  All contact information is listed at the bottom of these terms and conditions.
2. To be eligible to redeem points, the cardholder’s account(s) must be open (meaning not voluntarily closed, canceled or terminated for any reason) and the reward credit card cannot have any other status preventing authorizations.
3. Points are deducted from the cardholder’s balance as soon as they are redeemed.
4. Cardholders can redeem cash back for credit to the cardholder’s credit card account. Cash back rewards applied to a cardholder’s credit card account will not be applied as a payment, nor will it independently satisfy any amounts due listed on a cardholder’s credit card statement. 
5. Cardholders have the option of redeeming cash back for the following credit options:
   1. Credit to the cardholder’s primary savings account
   2. Credit to the cardholders primary checking account
   3. Credit to the cardholder’s credit card account*
   * Cash back rewards applied to a cardholder’s credit card account will not be applied as a payment, nor will it independently satisfy any amounts due listed on a cardholder’s credit card statement.  Please allow 3-5 business days for credit to be posted.
6. Points may only be redeemed by the cardholder.
7. The cardholder is responsible for determining any tax liability arising from participation in the program. Consult a tax professional concerning tax issues.
8. Points cannot be combined with any other reward program.
9. In the event multiple Cash Rewards Visa Signature cards are issued to the same cardholder or member, points may be combined into one account (and earn points/cash back together). Other types of Affinity reward cards cannot be combined.

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V. Pay With Points

By clicking “Accept”, I accept the terms and conditions below and authorize my payment card network (e.g., MasterCard, Visa, American Express) 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 or debit 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 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.
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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VI. Contact Information

1. For questions, concerns, or complaints, please contact the Administrator's customer service center at 888-659-9879. You should expect a response to all inquiries within 3 business days. Should a voicemail need to be left, the call will be returned the following business day. Customer service specialists are available Monday through Friday from 6 am to 11 pm ET, Weekends from 6 am – 8pm ET. Travel redemption specialists are available Monday through Friday from 9am to 10pm ET, Weekends from 9am to 5pm ET. After hours emergency service is available 24/7 for trips within the next 48 hours.
2. Both centers will be closed on select holidays which will be published each calendar year.
3. For questions related to the reward program, please call: 800.325.0808
4. To access the Program's website, visit affinityfcu.com.

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