Smart Rate Visa Challenge

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Get 5% Back on Your First $500 spent using your USSFCU Smart Rate Credit Card from Thanksgiving to Cyber Monday on Holiday shopping and travel.*

Spend $500 or more using your USSFCU Smart Rate Visa on holiday shopping and travel purchases between November 22 and November 26 and earn a $25.00 eCard to 1 of 15 top retailers.

Smart Rate Cardholders who meet the challenge will be notified by email on or before December 3, 2018.

Members must have a qualifying USSFCU Smart Rate Visa® Credit Card and a valid email address to participate. Limit one reward per individual Smart Rate Account. Restrictions apply. View complete terms and conditions below.

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Terms and Conditions

Participants must have an activated and un-expired USSFCU Smart Rate Visa Credit Card account in good standing and a valid email address to participate. The promotional period begins Thursday, November 22, 2018 (12:00am EST) and ends Monday, November 26, 2018 (11:59pm EST). 

The 5% Back reward is in the form of a $25.00 electronic gift card redeemable at your choice of one of fifteen top retailers. Physical gift cards cannot be provided as a substitute.

Cardholders who meet the promotional criteria and qualify for the reward will be notified by email on or before Monday, December 3, 2018. You're $25.00 eCard will be available for retrieval at that time.Your Visa® Smart Rate Credit Card account must remain open in order to receive the reward, which will be available to you for retrieval for 30 days after the promotion ends. Reward redemptions will be facilitated by Travel and Transport®, not USSFCU. In the event you experience technical difficulties redeeming your eGift card or have questions about the redemption process, contact Travel and Transport®,

Standard Smart Rate terms and conditions apply.

To earn the $25.00 eGift card reward, participants must use their qualifying USSFCU Smart Rate Visa® Credit Card on purchases accumulating a net total of $500.00 or more during the promotional period. Transactions cannot be combined with any other accounts to reach the $500.00 qualifying total. Standard transaction and spending thresholds apply. 

Qualifying transactions are only earned on signature-based transactions; PIN-based transactions, cash advances and balance transfers do not qualify. Merchants may process signature debit card transactions as PIN-based transactions even if a PIN was not provided; these transactions would not qualify. USSFCU is not responsible for the processing method selected by the merchants. Not all merchants will participate in the points program.

Transactions made within the types of merchants below will not be applied towards the qualifying net total.

Electric Utilities (Electric, Gas, Water, Sanitary), Fuel Dealers, Fuel Oil, Wood, Coal, Liquefied Petroleum), Pagers, Paging Equipment elecommunication Equipment and Telephone Sales), Prepaid Calling Cards, Telecommunication Services including Local and Long Distance Calls, Credit Card Calls, Calls Through Use of Magnetic Stripe Reading Telephones, and Fax Services, Services- Insurance, Direct Marketing (Direct Marketing – Insurance Services), Insurance Sales, Underwriting, and Premiums (Merchants classified under this MCC sell all types of personal or business insurance policies.), Cable and Other Pay Television/Streaming Services (Cable, Satellite, and Other Pay Television/Radio/Streaming Services), Computer Network/Information Services, Commercial Property Rentals (Real Estate Agents and Managers-Rentals), Health, Beauty Spas, Health Clubs (Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses), Automobile Associations (These merchants provide a variety of special services to its members such as travel and road condition information, maps and guides, and special rates at restaurants, hotels, and at car rental agencies.), Membership Organizations (This MCC includes historical clubs, labor unions, poetry clubs, art councils, and tenant or condominium associations.), Alumni/Alumnae Associations (Civic, Social, and Fraternal Associations), Fund-Raising-Political (Political Organizations), Mosques (Religious Organizations), Organizations- Charitable, Social Service (Charitable and Social Service Organizations), Subscription Merchant-Direct Marketing – Continuity/Subscription Merchant, Equipment, Tool, Furniture, and Appliance Rental (Small Business Only) and Leasing (Merchants classified under this MCC rent and lease equipment, tools, furniture, appliances, and office equipment, excluding typewriters.), Public Warehousing and Storage (Small Business Only), Farm Products, Refrigerated Goods, Household, Goods, and Storage, Services- Child Care, Day Care (Child Care Services), Services- Cleaning, Maintenance, Janitorial Services, Services- Courier, Air and Ground (Courier Services – Air and Ground, and Freight Forwarders), Stamps- Postage (Postal Services- Government Only), Surveillance Systems, Services (Detective Agencies, Protective Agencies, and Security Services, including Armored Cars, and Guard Dogs), Tuxedo, Formal Wear Rentals (Clothing Rentals- Costumes, Uniforms, Formal Wear), Tax Payments (This MCC includes property tax assessors’ offices, customs bureaus, and state tax commissions.), Account Funding- Financial Institution (Financial Institutions- Merchandise and Services), Account Funding- Non-Financial Institutions – Foreign Currency, Money Orders (Not WireTransfer), Stored Value Card/Load, and Travelers Cheques.

In the event that we determine that your account does not meet the eligibility criteria, we will not be obligated to provide the reward. Void where prohibited. USSFCU reserves the right to modify, update or discontinue this promotion at any time and without advanced notice.