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Program Rules

  • The Smart Rewards Service Center can be reached by calling 1-877 Smt Rwds (877-768-7937). The Smart Rewards Service Center is available 24 hours a day, 7 days a week.
  • Smart Rewards points accrue at a rate of one (1) point for every two U.S. dollars ($2) of net retail purchases with your participating OMNI Community Credit Union MasterCard® Debit Card. Unless otherwise specified, the maximum number of points you can earn annually is 100,000.
  • Points do not accumulate on ATM withdrawals except as otherwise permitted in special promotional offers. You also don't earn points on any fees, including ATM fees, and card-related charges posted to an enrolled card account. You cannot earn points on tax payments or any unauthorized charges or transactions. When merchandise purchased with your OMNI Community Credit Union MasterCard® Debit Card is returned, your points will be reduced by the point value of the return.
  • OMNI Community Credit Union may elect, from time to time, to reward Smart Rewards points for using additional products and services of the credit union. Notifications of these point earning opportunities will appear on your monthly e-statement, quarterly mailed statement, on the Earning Points page, or by calling the Smart Rewards Service Center.
  • All accounts that are past due or over established limits will not be permitted to redeem points or receive credit. If your account is closed, all Smart Rewards Points will be forfeited.
  • Smart Rewards Points can be redeemed for as little as 5,000 points for merchandise and travel. Downloadable rewards may be redeemed for as little as 1,500 points. Most gift card rewards are only available on the website and cannot be obtained through the Smart Rewards Service Center phone line.
  • You can redeem your points for a flight via our Online Booking Engine, or for a travel package. Restrictions may apply; see website or call for details.
  • Travel Rebate Certificate are valid for one year from date of issue. Travel Certificates may be applied toward any travel accommodations or services, except food or fuel. 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 the account holder over and above the reward value redeemed.
  • Smart Rewards Points can be used to order merchandise and gift cards described in the online catalog. The website is updated periodically and sometimes items from prior website listings may not be available to order. You may select merchandise from any level as long as you have the necessary number of points posted to your account.
  • Smart Rewards point requirements are subject to change from time to time and items may be substituted at any time. Should an item be discontinued, it will be replaced with merchandise of equal or greater value or you will be advised so that you can make an alternate selection. UPS or Parcel Post will usually deliver your merchandise within two to four (2-4) weeks. Shipments cannot be made to a post office box, APO address or outside the United States.
  • If an item arrives in damaged condition, you may return it for a replacement. Please contact 800-240-4814 ext. 203 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 the Smart 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. For more information, please call the Smart Rewards Service Center.
  • Points that are not redeemed within a three-year period will be forfeited.
  • Points have no cash value. Points and rewards 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.
  • Smart Rewards points may be combined for your personal participating OMNI Community Credit Union MasterCard® Debit Card accounts into one rewards account for redemption purposes. However, points from other rewards accounts cannot be transferred or combined. Smart Rewards points are not transferable to other frequent traveler or merchandise programs.
  • OMNI Community Credit Union is not responsible for inaccuracies in point accrual due to computer error, late or incorrect data submissions, lost Certificates or any loss incurred that may arise in connection with the use of these services. OMNI Community Credit Union is not responsible for the performance by any merchant, service provider or common carrier.
  • Any and all taxes and gratuities on points, accommodations or services in connection with the Smart Rewards Program will be the responsibility of the cardholder.
  • This Program is void where prohibited by federal, state or local law. OMNI Community Credit Union reserves the right to alter, change or terminate the Smart Rewards Program at any time with or without notice. The Issuer also reserves the right to disqualify individual account holders who violate the Program Rules.
  • You agree to hold CO-OP Network totally harmless if OMNI Community Credit Union fails to meet its contractual and other obligations to you which results in the Program being interrupted or terminated prior to you having the opportunity to redeem your points. Also, you agree to hold CO-OP Network and OMNI Community Credit Union harmless if a vendor files for bankruptcy, or otherwise goes out of business, after you have redeemed your points for a reward from the vendor but before you are able to use the reward.
  • Your use of your account following receipt of these Rules will indicate your agreement to these Rules.


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