uChoose Rewards® - Frequently Asked Questions

Q1: Where can I earn points?
A: You earn points everywhere your Island debit card is accepted for signature and PIN transactions. ATM transactions do not qualify.

Q2: When is a point earned?
A: A point is earned for every $2 spent.

Q3: When are points posted?
A: It can take up to 40 days (60 days for merchant funded rewards through uChoose Rewards) for points to be credited to an account.

Q4: When can I redeem points?
A: Cardholders must accumulate 1,500 points before redeeming points. Simply look for the “Available Points” at the top of any page on the uChoose Rewards website to see how many points are available for redemption.

Q5: How long do I have to redeem my points?
A: 3 years; 1,095 days
If your account is closed, terminated, or cancelled, in accordance with the program terms and conditions all accumulated reward points you have not previously redeemed will expire or will be forfeited.

Q6: Can I share points with family members?
A: Yes, all cards within an account automatically earn points together. However, you cannot link cards from different memberships.

Q7: What can I redeem my points for?
A: It’s your choice! You can choose from millions of options, whether it’s merchandise, gift cards, travel, activities, event tickets, or more! Simply logon to uchooserewards.com, visit the Redeem Points page and click on the category that suits your interests. There’s even a Wish List that will help you track when you’ve earned enough to redeem a specific item.

Q8: Where can I see the points I have redeemed?
A: View redemption history sorted by redemption transaction date on the Redemption Summary page. Selection Redemption Summary from the list in the left hand column of the page.

Q9: Where can I shop to earn bonus points with participating retailers?
A: There is hundreds of participating retailer offers to view on the Earn point’s page of the uChoose Rewards website. All offers are updated regularly – to stay current, visit www.uchooserewards.com regularly.
Note: Regular updates to offers are only available with merchant-funded and blended programs.

Q10: Will I get credit if I accidentally go directly to the retailer’s website?
A: No – you will not get the points.
Only clicks through the www.uchooserewards.com to a participating retailer accrue points. If the participant wants to accrue rewards points, the item purchased directly on the retailer website must be returned, and the purchase made through the uChoose Rewards website.

Q11: Why do I have to shop through the link of the UChoose Rewards site instead of going directly through the
retailer’s site?
A: Using the link on www.uchooserewards.com is the only way to ensure that the retailers recognizes that you are participating in the uChoose Rewards program, and are eligible to earn points on your purchase.
If you shop directly through the retailer website, points will NOT be awarded to your uChoose Rewards program

Q12: Is there a difference between a specific retailer’s in-store and online offers?
A: Yes, a participating retailer may have multiple offers at a given point in time; one for in-store and another for online purchases. There may be a difference between number of points earned when shopping online through the uChoose Rewards website and the number of points earned when shopping in the retail store. Some major retailers only offer points online, through www.uchooserewards.com, and not in their stores.
The terms and conditions will clarify details of each offer, including how to earn points and all other details needed for a purchase to qualify.

Q13: Can I get cashback?
A: Yes, you can get cashback.

Q14: Where can I view my point activity?
A: You can access the history of your point activity on the Point Details page once you have registered at

Q15: What if I shopped at a participating retailer, but my points aren’t showing up?
A: It can take up to 40 days for transactions to appear on the Point Details page. If points from a qualified transaction do not appear after 40 days, please click on the Contact Us page for assistance.

Q16: Is there a cost to participate?
A: There’s no cost. Membership in uChoose Rewards is absolutely free for cardholders, so start shopping and earning today.

Q17: How do I get started?
A: Register today at www.uchooserewards.com to enjoy all of the program’s benefits.

Q18: If I have a joint account, can I have separate log in information for each individual on my account?
A: Yes, a participant can use each unique card number on the uChoose Rewards website to create a user name. Once a card is registered, all associated account holders can access the uChoose Rewards website through single sign-on. All cards within an account automatically earn points. Alternatively, cardholders can also have a separate username and password on the same account, using additional cards. Follow the same registration process for each additional card.

Q19: What if my card is lost and my card number changes?
A: If your card number changes after you registered at the UChoose Rewards website, simply re-register the card for security purposes. The system retains your card usage and account history.

Q20: How do I change my email address on my account?
A: Once you are logged into your account on the uChoose Rewards website, click the Preferences tab on the left side of the uChoose Rewards website. Once you access your profile, you can enter a new email address, click Submit and your account will be updated.

Q21: How do I change my account password?
A: Once you are logged into your account on the uChoose Rewards website, click on the Preferences tab on the left hand side of the uChoose Rewards website. Once you access your profile you need to input your old password and input a new password. Clicked Submit, and your account is updated.

Q22: What if I have another question about the uChoose program?
A: Click on the “FAQ’s” link at the bottom of the uChoose Rewards screen or the “How it Works” link on the left side of the screen for a comprehensive list of the most common uChoose questions. Cardholder can also click on the “Contact Us” link for immediate assistance.

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