CURewards®: What Is It and How Does It Work
What is CURewards®?
The CURewards® program is one of the many benefits available to HFS Visa® credit cardholders. This program rewards members for using their HFS Visa Platinum® or Signature® Credit Card for everyday purchases. You can redeem your points for travel, merchandise, gift cards, or even cash back.
How to Earn Points?
HFS Visa Platinum® Credit Card – Earn 1 CURewards® point per $1 spent and redeem for travel, merchandise, gift cards, or cash back.
HFS Visa Signature® Credit Card – Earn 2 CURewards® points per $1 spent and redeem for travel, merchandise, gift cards, or cash back. PLUS, earn 30,000 CURewards points when you make $3,000 in purchases in the first 90 days of account opening.*
*Cardholder must make $3,000 worth of purchases (excludes cash advances and balance transfers) within the first 90 days of approval to qualify for the bonus of 30,000 CURewards® points. Bonus Points will be reflected on the cardholder(s) next statement after successfully meeting the criteria above. The credit card account must be open and active at the time the bonus points are deposited to the cardholder(s) CURewards® account.
How to Access and Redeem CURewards®?
To access your CURewards® account, you must first enroll in HFS Online Banking. You can complete the enrollment process on either a desktop computer or a mobile device. If you are using a mobile device, please download the HFS App on the App Store or Google Play in advance. To start on a desktop, go to hfsfcu.org and click the “Login” button located in the top right corner of the website. When the login screen appears, select “Enrollment.” If you’re using a mobile device, open the HFS App and tap on “Enrollment.” You are now ready to access your CURewards account.
From a Desktop Computer:
- Log in to HFS Online Banking.
- Navigate to Services, and View Credit Card.
- Click on your points total and select Redeem to access CURewards.
From a Mobile Device:
- Log in to the HFS Cards App.
- Select View Balance and Redeem to access CURewards.
If you’ve never used the HFS Cards App before, please download it from the App Store or Google Play and Enroll your credit card to get started.
The CURewards Program provides a wide range of redemption options. Once on the CURewards page, click on the Redeem tab to explore the variety of categories available, such as merchandise, travel, gift cards, cash deposits to your account, or a statement credit to your credit card.
FAQs for CURewards®
Do I need to enroll in CURewards® to earn points?
Your credit card account will automatically earn points on all purchases beginning at account opening. In order to redeem points, you must register upon first login to CURewards.
How do I redeem point for merchandise?
To explore merchandise on the CURewards page, use the menu located at the top and select “Merchandise” under the “Redeem” section. You can either enter a specific item to search for or choose “Browse Categories” to view available options. Each category will display a list of items for you to select from. To refine your search for a particular model or brand, use the filters available in the left column.
What can I get with my points?
- Merchandise – includes a variety of name-brand products such as electronics, home goods, sporting goods, personal items.
- Travel – include gift cards for airlines, hotels, cruises, rental cars, and ride-sharing services. You can also book domestic and international airline tickets, hotel stays, cruises, vacation packages, and rental cars in real-time.
- Gift cards.
- Deposit to an HFS savings or checking account. (Processed within 10 business days)
- Payment towards an HFS credit card (Processed within 5 business days, but not applied towards minimum monthly payment)
Are there any fee(s) associated with my redemption?
The program includes all delivery costs and applicable taxes during checkout. No additional fees will be charged to your account.
What happens to my points if I get a new credit card?
Your CURewards points will still be available for you to access and/or redeem in your CURewards account and you will continue to earn points with your new card.
If I have a joint credit card account, are points combined or do we redeem points separately?
Points accumulated are combined and shared between all cardholders on the account.
Do my points expire?
Points will expire three years from the end of the calendar year in which they are earned and will expire on a first-in, first-out basis annually.
Can I call Customer Service to redeem my points?
No. CURewards’ Customer Service cannot assist with redeeming points. It must be done through Online Banking or Mobile Banking.
What if I don’t use Online Banking or the HFS Cards App – how do I view and redeem my points?
You can visit any branch for assistance in accessing your points total and redeeming your points for either a cash deposit to your account, or a statement credit to your credit card.
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