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Program Rules

These Rules govern your participation in the CB Rewards program (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 that has requested and/or received a Central Bank Visa credit card or debit card (also referred to as a "Card"). By using or accepting a Card, you (as a Cardholder) agree to these Rules and any changes, additions, or deletions to them. Central Bank (also referred to as your "Financial Institution") issues and administers all Cards. The CB Rewards toll-free number is 1-877-8CB-RWDS (877-822-7937) (also referred to as the CB 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).

General

  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 Cardholder 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 one U.S. dollar ($1) in eligible net purchases made on their Central Bank Visa credit card rounded to the nearest whole dollar, one point for every two U.S. dollars ($2) in eligible net purchases made on their Central Bank Visa Debit card rounded to the nearest whole dollar for non-PIN transactions, and one point for every five U.S. dollars ($5) in eligible net purchases made on their Central Bank Visa Debit card with a PIN rounded to the nearest whole dollar. Visit your local branch for details.
  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.
  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 Cardholder's Enrollment Date. No other retroactive points will be awarded.
  7. The number of points a Cardholder can earn in a calendar year is unlimited.
  8. Points earned will be credited on a monthly basis. Points earned on your Card will appear on your CB Rewards annual printed statement and monthly e-statement. By visiting the website, you may elect to receive an email notification when your e-statement is ready to be viewed. Email addresses can be updated by visiting the website.
  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 catalog or on the website.
  2. When you are ready to redeem points, visit the catalog to select your reward, or call the CB Rewards Service Center for all redemption inquiries and orders.
  3. Points can be redeemed for as little as 3,500 points for travel or for as little as 2,500 for merchandise. The point redemption levels for merchandise can be found in the online catalog or in the CB Rewards brochure.
  4. To redeem your points for travel, visit the catalog or call the CB Rewards Service Center. You can redeem your points for a flight via our online booking page. Restrictions may apply; call for details.
  5. Travel rebate certificates are valid for one year from the issue date. Travel Certificates may be applied toward any travel accommodations or services purchased with your participating Card, with the exception of food and fuel. Certificate usage is limited to the account holder(s) identified on the Certificate. Certificates have no cash value and no cash refunds or credits will be given if the value of the travel service is less than the value of the Certificate. The issuer assumes no liability for dollars paid by account holder over and above the reward value redeemed.
  6. Points may be redeemed only from accounts that are open and in good standing as stated in the "Earning Points" section above.
  7. Points redeemed and/or expired, if applicable, will be based on a first-in, first-out basis.
  8. 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.
  9. 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.
  10. A merchandise item can only be exchanged in the event that it arrives in defective or damaged condition. Be sure to note any exceptions, damages, or shortages on the delivery receipt before signing to accept gift/freight shipment. Instructions on how to return defective or damaged items are included with your gift. If you need additional information, please call our CB Rewards Service Center. Items may only be returned within 30 days of receipt.
  11. Neither your Financial Institution nor RewardsNOW are responsible for lost or stolen correspondence, documents, or certificates.
  12. 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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