Credit Cards Rewards and Deferred Interest Products Focus Groups

Frequently asked questions
How do I earn miles?

You’ll earn miles automatically when you make purchases with
your
You will earn two (2) miles
for every $1 you spend on travel and dining purchases. A travel
purchase is defined as: airlines, hotels, motels, timeshares,
campgrounds, car rental agencies, cruise lines, travel agencies,
tourist attractions, discount travel sites, trains, buses, taxis,
limousines, and ferries. A dining purchase is defined as:
restaurants and fast food restaurants. For all other purchases,
you will earn one (1) mile for every $1 you spend. Please note
that your total purchases include purchases by you and your
authorized user(s) and that returns/refunds will be deducted
from the total.

What can I redeem for?

Travel statement credit redemptions offer the best value. You can
redeem your miles for travel and cash back statement credits,
gift cards and merchandise. Travel statement credit redemptions
start at 2,500 miles for $25, toward travel purchases made in
the last 120 days. Cash back statement credit redemptions start
at 2,500 miles for $12.50. Gift card redemptions start at 5,000
miles for $25. Merchandise redemption values vary based on
what you are redeeming for. To view all of your reward options
or to redeem, please visit the Manage Rewards page.

What types of merchants are in the travel category?

Merchants in the travel category include airlines, hotels,
motels, timeshares, campgrounds, car rental agencies, cruise
lines, travel agencies, tourist attractions, discount travel sites,
trains, buses, taxis, limousines, and ferries. Please note some

merchants that provide transportation and travel-related
services are not included in this category; for example, real
estate agents, websites or owners that rent properties, in-flight
goods and services, merchants within airports, and merchants
that rent trailers, trucks, and other vehicles for the purpose of
hauling. Please call the customer service number on the back of
your card if you have a transaction that should be identified as
travel, based on the merchants we have identified above, and is
not. This is most likely due to the merchant using an incorrect
merchant code.

What types of merchants are in the dining category?

Merchants in the dining category are merchants whose primary
business is sit-down or eat-in dining, including fast food
restaurants as well as fine dining establishments. Please note
that some merchants that sell food and drinks located within
larger merchants such as sports stadiums, hotels and casinos,
theme parks, and department stores may not be included in this
category. Please call the customer service number on the back
of your card if you have a transaction that should be identified
as dining, based on the merchants we have identified, and is
not. This is most likely due to the merchant using an incorrect
merchant code.

What determines whether a merchant falls within the travel
and dining categories?
Merchants who accept
credit cards are assigned
a merchant code based on the products and services they
primarily sell.
groups similar merchant codes into
categories to identify travel and dining. We make every effort

to include all relevant merchant codes, however, even though a
merchant or some of the items that it sells may appear to fit within
the travel and dining categories, the merchant may not have a
merchant code that falls within that category. Therefore, purchases
with that merchant will not qualify. Purchases submitted by you or
the merchant through third-party payment accounts (e.g.
mobile or wireless card readers, online or mobile digital wallets, or
similar technology (collectively, “Technology”) will not qualify if the
Technology is not set up to process the purchase as travel or dining.
Please call the customer service number on the back of your card if
you have a transaction that should be identified as travel or dining,
based on the merchants we have identified, and is not. This is most
likely due to the merchant using an incorrect merchant code.

How do I redeem?

You can redeem your miles for a travel statement credit — your
best value — in 3 easy steps. First, book your travel anywhere
with your
card and earn 2X miles on your
purchase. Second,log into
com, select Manage
Rewards, and choose the Travel Statement Credits redemption
option. Third, choose any travel purchase within the last 120 days
and redeem your miles for a travel statement credit toward all
or a portion of your travel purchases. Travel statement credit
redemptions start at 2,500 miles for $25. You will also get 10%
of your miles back, to use toward your next redemption, every
time you redeem for travel statement credits. Please note,
if a transaction does not display you do not have any eligible
transactions to redeem against. Additionally, you may only
redeem against a transaction one time.

How do I earn 10% of my miles back?

You will earn 10% of your miles back as a travel redemption bonus,
to use toward your next redemption, every time you redeem
for travel statement credits. For example, if you redeem 25,000
miles for a travel statement credit, you will receive 2,500 miles as

a bonus to use toward your next redemption. Travel redemption
bonus miles are added to your account within one (1) business day
after your travel statement credit redemption is processed.

Is there a limit to the amount of miles I can earn or redeem?

There is no limit to the number of miles you can earn or redeem.

Will my miles expire?

No. Your miles don’t expire as long as your account is open, active
and in good standing

What happens to my miles if I pay late?

We require that your account be open, active and that you maintain
your account in good standing to participate in this reward
program. If your account is closed or past due you may forfeit all
miles earned. If you are late in making your payment, you may
forfeit your miles earned in that billing cycle.

What is

does way more than just organize your travel plans.
It also alerts, monitors, notifies, tracks, and shares — so you’re
always in the know. Receive instant alerts for check-in, flight
changes and cancellations. Find alternate flights, get fare refund
alerts, track your travel reward programs, and see if a better
seat is available. If you have not already, you can activate your
complimentary subscription by logging in to your account at
com and clicking on the
banner. Your
account provides a complimentary one-year
TripIt Pro subscription, as a benefit of your account, as long as
your account is open, active and in good standing. You will receive
one (1) subscription per account. Your complimentary one-year
subscription will not be renewed automatically.
will contact
you when your complimentary subscription expires, and you’ll
have the opportunity to extend your subscription, without
interruption by providing billing information.