Smart Rewards

VisA Rewards- Promo Web Banner

Enjoy a low rate, no annual fees and the ability to earn rewards with USSFCU's Smart Rewards Visa®

Smart Rewards Pays You Back. Earn points for everyday spending when you use your USSFCU Visa® Smart Rewards Card. Points can be redeemed for travel, gift cards and cash!

Earning Smart Reward Points is Easy! 

Earn one point for every dollar you spend using your USSFCU Smart Rewards Card. Smart Rewards Points are:

  • Earned for every USSFCU Smart Reward purchase, except cash advances or balance transfers
  • Not subject to any sign-up, use, or maintenance fees
  • Not limited to any specific retailer’s goods or services

Redeeming Smart Reward Points is Even Easier!

Redeem, track and manage points online 24/7 by visiting the Smart Rewards Center

Members can also call the Smart Rewards Center at 877.909.1450, Monday-Friday, 6am-6pm (Pacific Time) for assistance with their rewards account.

Visit the Smart Rewards Center to establish your account, track points and browse award options. 

View the Smart Rewards brochure Smart Rewards Agreement and Disclosure for additional information.

Not a member? Not a problem. With 140 plus paths to membership, joining is simple and easy. Learn About Eligibility or Join Now!

Redeem Rewards Points for Travel Rebates

Use Your Smart Rewards Points for Travel Reimbursement 

Make your own travel arrangements—where ever you want to go, however you want to get there. Once your travel is complete, submit your receipts to the redemption center and redeem your Rewards Point for your travel-related purchases.1

The amount paid for the travel services must be equal to or exceed the rebate amount. To receive your travel redemption you must pay for the entire amount of the travel-related services to the same card or account from which you're redeeming the points. Upon completing your travel, you have sixty (60) days to claim your credit. Related travel receipts and your USSFCU Smart Rewards credit card statement showing payment for travel expenses on your Smart Rewards Card must be submitted to the Awards Redemption Center before your card can be credited the reimbursement amount. Please allow 30 days for your credit to be processed if all eligibility requirements are met. When you complete your reimbursement request, points will be deducted and your financial institution will be notified of your request. Credit to your account will be issued by your financial institution and may be subject to verification of charges. Not valid for gas, food, or other miscellaneous charges. View complete program rules and reward information at ussfcu.org/rewards or call an awards representative at 877.909.1450, M-F, 6am-6pm (PST). For the most current version of the program rules, award options, and point requirements.

What is a Rebate?

When the rebate option is selected you are not required to use the awards travel service center to make your travel arrangements. You may make your arrangements with your own agent, or directly with a merchant. This award allows you to be reimbursed for your travel-related services once travel is completed. To determine the value of rebates available on your program please visit your financial institution's Web site or call an Awards Representative at 877-909-1450.

  • To receive your rebate you must pay for the entire amount of the travel-related services to the same card or account from which you're redeeming the points.
  • Once you complete your travel, you have sixty (60) days to claim your credit.
  • The amount paid for the travel services must be equal to or exceed the rebate amount.
  • Please allow 30 days for your credit to be processed if all eligibility requirements are met.
  • Not valid for gas, food, or other miscellaneous charges.

How do I get my credit?

A: When you complete your request, points will be immediately deducted and your financial institution will be notified of your request. Credit to your account will be issued by your financial institution and may be subject to verification of charges.

Travel Rebate (Documentation Required)

When the rebate option is selected you are not required to use the awards travel service center to make your travel arrangements. You may make your arrangements with your own agent, or directly with a merchant. This award allows you to be reimbursed for your travel related services once travel is completed. To determine the value of rebates available on your program please visit your financial institution’s Web site or call an awards representative at 877-909-1450.

  • To receive your rebate you must pay for the entire amount of the travel-related services to the same card or account from which you’re redeeming the points.
  • Once you complete your travel, you have sixty (60) days to claim your credit.
  • The amount paid for the travel services must be equal to or exceed the rebate amount.
  • Please allow 30 days for your credit to be processed if all eligibility requirements are met.
  • Not valid for gas, food or other miscellaneous charges.
  • Supporting documentation is required. Before your card can be credited the rebate amount, the documentation listed below must be mailed to: Awards Redemption Center, PO Box 91101, Seattle, WA 98111-9201 or faxed to: Awards Redemption Center at (206) 352-3502.
    • Related travel receipts showing dates of travel.
    • Statement copy showing payment for travel on your awards card or account.

When you make your request, no points will be deducted until your documentation has been reviewed and finalized with an awards representative. Credit to your account will be issued by your financial institution once documentation has been processed and points deducted.

Block and Report a Lost or Stolen Card.

Mobile Wallet-Web Banner

*For more information, please see the terms and conditions. **See Visa® disclosure for cash advance and over-the-limit details on our rate page.