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Program Rules

These Rules govern your participation in the Callaway Bank Rewards (also referred to as the "Program"). Your participation in this Program enables you to earn points that may be redeemed for various rewards. "Cardholder" means an individual who has requested and/or received a Callaway Bank Visa Check Card (also referred to as a "Card"). Cardholders are referred to as a "Member" of the Program. By using or accepting a Card you (as a Member) agree to these Rules and any changes, additions, or deletions to them. The Callaway Bank (also referred to as your "Financial Institution") issues and administers all Cards. The Callaway Bank Rewards number is 573-592-6399, 573-447-5415, and 1-877-446-RWDS (1-877-446-7937) (also referred to as "Callaway Bank Rewards Service Center"). Hours of operation are 24 hours a day, 7 days per week.

RewardsNOW, Inc. manages and administers the Program. RewardsNOW and your Financial Institution are not affiliates. These Rules and Card transactions are also subject to other agreements you may have with your Financial Institution
(for example, Cardholder agreements).


  1. The Program is offered at the sole discretion of your Financial Institution. They reserve the right to change these rules at any time, for any reason, and without notice, and this includes the right to suspend or end the program, cancel outstanding points, or change redemption of outstanding rewards. Your Financial Institution does not assume any liability whatsoever for these changes.
  2. Cards and related accounts may be subject to fees and charges in accordance with the applicable Cardholder agreements and fee schedules.
  3. In the event of Member fraud, abuse of the Program privileges, or violation of the Rules (for example, any attempt to sell, exchange, or transfer points or any instrument exchangeable for points), your Financial Institution, in its sole discretion, reserves the right to cancel your participation in the Program.
  4. You are responsible for any personal tax liability related to participation in the Program or as a result of points earned or redeemed.
  5. The Program is void where prohibited by law.
  6. Your Financial Institution is not responsible for managing or administering the Program or providing services under the Program. Your Financial Institution will not be responsible for errors or omissions in any Program document. Your Financial Institution will not have any liability to you or any other cardholder arising from, or related to, the services or rewards.
  7. You (and any other beneficiary of the Program) agree that neither your Financial Institution nor RewardsNOW will be liable for, and you release, discharge, and hold harmless your Financial Institution and RewardsNOW or anyone who acted on behalf of your Financial Institution or RewardsNOW, from any and all claims of any sort, type, kind, or nature that you may have arising out of or in any way relating to your participation in the program or its rewards including (but not limited to) claims for or due to personal injury, property damage, accident, sickness, delay, cancellation, postponement, inconvenience, penalty, refund, or other irregularities that may occur or that may be caused by any provider of services or rewards.
  8. Your Financial Institution reserves the right to interpret Program Rules and policies and will be the final authority on point credits and award qualifications.

Earning Points

  1. Cardholders will earn one point for every four U.S. dollars ($)4 in eligible net purchases through signature based and PIN (Personal Identification Number) transactions made on their Callaway Bank Visa Check Card rounded to the nearest whole dollar. Cardholders may also earn a one-time or monthly reward of points for signing up for various products or services. However, to be eligible for these other rewards you must have a Callaway Ultimate Checking Account with a Callaway Bank Visa Check Card. Please check the Earning Points page or see a bank representative for a complete list of how to earn points.
  2. "Net purchases" are defined as the dollar value of goods and services purchased with a Card beginning with the first day of the billing cycle that includes Cardholder's Enrollment Date, minus any credits, returns, or other adjustments as reflected on monthly billing statements.
  3. Transactions excluded from point calculation include the following: (a) cash advances, ATM withdrawals, convenience checks, and balance transfers, except as otherwise permitted in special promotional offers; (b) any fees and card-related charges posted to a Rewards Card account, including ATM fees, late fees, over-limit fees, annual fees, and finance charges as outlined in the applicable Cardholder agreement; or (c) tax payments or any unauthorized charges or transactions.
  4. Negative points will post on a statement if returns or credits exceed purchases. Points may not be purchased.
  5. Points may be earned only if the applicable account is in good standing. A Card account is not in good standing if closed or suspended, or if the credit limit has been exceeded. If the account is closed by either you or your Financial Institution for any reason, all points that were accumulated but unused will be forfeited immediately.
  6. Point accrual will begin upon the first day of the calendar month that includes the Member's Enrollment Date. No other retroactive points will be awarded.
  7. The number of points a Member can earn in a calendar year is unlimited.
  8. Points earned will be credited on a monthly basis. Points earned will appear on your annual printed statement and monthly Rewards e-statement. You may request to stop receiving a paper statement and instead receive an email notification when your Rewards e-statement is ready to be viewed. Email addresses can be updated by visiting the My Account page.
  9. Points will expire three years after the month in which they were earned. Points have no cash value. Points and awards are not considered your property and are generally not transferable upon death, as part of a legal settlement, or as part of a domestic relations issue.

Redeeming Points

  1. Points may be redeemed for a variety of rewards, as indicated in the brochure or on the website.
  2. When you are ready to redeem points, select your reward. If you need assistance, call Callaway Bank Rewards Service Center for all redemption inquiries and orders.
  3. Points can be redeemed for as little as 3,500 points for travel, 2,500 points for merchandise, 2,000 points for gift cards, and 750 points for downloadable rewards. The point redemption levels for merchandise can be found in the online catalog.
  4. To redeem your points for travel, visit the catalog or call Callaway Bank Rewards Service Center. You can redeem your points for a flight via our online booking page, or for a travel package. Restrictions may apply; call for details.
  5. Points may be redeemed only from accounts that are open and in good standing as stated in the "Earning Points" section above.
  6. Points redeemed and/or expired, if applicable, will be based on a first-in, first-out basis.
  7. All redemptions are sent to the billing address on the account. UPS or USPS will usually deliver your item within 2-4 weeks. Shipments cannot be made to a post office box, an APO address, or outside the 50 United States. You may update your mailing address by contacting your Financial Institution.
  8. All rewards are subject to availability. Reward items may be discontinued or withdrawn without notice. Should an item be discontinued, it will be replaced with an item of equal or greater value or you will be advised of unavailability so that you can make an alternate selection.
  9. If an item arrives in damaged condition, you may return it for a replacement. Please contact 1-800-240-4814 x203 for a return authorization. Item(s) must be returned within 30 days of receipt in the original packaging. For returns of items that are not damaged, please contact Callaway Bank Rewards Service Center. Return shipping charges will be paid by the participant. There is a $30 restocking fee. Item(s) must be returned within 30 days of receipt, unused and in the original packaging. Gift cards and Codes cannot be returned for any reason.
  10. Neither your Financial Institution nor RewardsNOW are responsible for lost or stolen correspondence, documents, or certificates.
  11. You, as a Cardholder, have sole responsibility for any charges over and above the stated value of a gift card or gift certificate.

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