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Earning Points

If you already have an Extra Credit Union Debit MasterCard®, you are currently earning 1 point for every $2.00 you spend by signing for your eligible net* purchases. If your PIN is entered during your transaction, points are not earned. If a merchant asks you to enter your PIN, say "Credit please."

If you already have an Extra Credit Union Visa® Gold or Platinum Credit Card, you are currently earning 1 point for every $2.00 you spend by signing for your eligible net* purchases.

Earn 500 bonus points by signing up for online Extra Credit Union account access!

See an Extra Credit Union representative for more information.

Earn 1,000 bonus points by signing up for monthly Extra Credit Union e-statements!

See an Extra Credit Union representative for more information.

Earn rewards points fast by opening additional products and services!

From time to time, your credit union may choose to reward additional Extra Credit Points for using additional products and services. These opportunities will be listed here.

When you’re ready, you can do all of your redemptions online.

Select any item in the program brochure or from the hundreds more available in the online catalog and compare your available points with the number needed for the item you want. Downloadable rewards can be received instantly. If you have any questions, you can call the service center at 877-35-POINTS (877-357-6468). A Redemption Specialist will be happy to assist you.

Click here to redeem your points!

*With an enrolled debit card, points are not earned on the following: tax payments, any unauthorized charges or transactions, ATM withdrawals, debit card transactions that involve the use of a PIN number, or any fees including ATM fees, except as otherwise permitted in special promotional offers.

You will earn negative points if returns or credits exceed purchases. Points may not be purchased.

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.


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