SDCCU SIGNATURE REWARDS PROGRAM TERMS AND CONDITIONS 

The SDCCU® Signature Rewards Program (the “Program”) Terms and Conditions are separate from the 
terms of your San Diego County Credit Union (“SDCCU”) Consumer Credit Card Agreement. However, any 
claim arising from or relating to participation in the Program is subject to the arbitration provisions of the 
Credit Card Agreement, which require that any and all disputes are subject to binding arbitration. Changes 
to the Program may happen at any time without notice and without restriction or penalty. When any change 
is made, we will post revisions on the SDCCU website and on the Program website. For the most current 
list of rewards available through the Program (“Rewards”), point values and to redeem points for Rewards, 
visit  the  secure  SDCCU  Signature  Rewards  Program  redemption  website.  To  access  the  redemption 
website, log into your SDCCU Internet Branch account, select Self Service, then select SDCCU Signature 
Rewards Enrollment/Redemption/Point Verification. 

This Program may be modified, suspended or cancelled and the redemption value of already accumulated 
points may be changed at any time without notice and without restriction or penalty. SDCCU reserves the 
right  to  change  the  point  accrual  and  retention  period  from  time  to  time.  Changes  to  the  Program  may 
include, but are not limited to, modifications which (i) increase or decrease the point value for every Net 
Purchase  dollar  charged  and  (ii)  expire  points  based  on  the  point  term,  age  and  expiration  date  of  the 
selected option(s). You will be notified of point accrual and/or point expiration Program changes. Contact 
SDCCU for details on applicable accumulation options which are then in effect. This Program is void where 
prohibited  or  restricted  by  federal,  state  or  local  law.  You  are  responsible  for  any  federal,  state  or  local 
income, sales, use or other taxes or gratuities. 

The Program is administered by The Members Group, an independent company that is not affiliated with 
SDCCU. To protect our members’ privacy, SDCCU only works with companies that agree to maintain strong 
confidentiality practices. We limit the type and use of information shared. In addition, these companies are 
contractually restricted from disclosing the information to other third parties. The Members Group assists 
SDCCU with administration of the Program, including maintaining and servicing points for Rewards and 
fulfilling your Reward redemptions. Neither SDCCU nor The Members Group shall be liable for any bodily 
harm and/or property damage, or consequential damages that may result from participation in the Program 
or of any provider's provision of or failure to provide any of the services or benefits of the Program, for any 
reason.  Neither  SDCCU  nor  The  Members  Group  is  responsible  for  disputes  between  you  and  its 
employees or any third party Rewards recipients relating to points redemption and Rewards distribution. 

ELIGIBILITY 
Program eligibility is restricted to individuals who maintain a SDCCU Signature Rewards Visa credit card 
account issued by SDCCU in good standing. You must have a valid address within the United States. Points 
in  the  Program may  not be used  with  any  other offer, promotion or discount, cannot  be earned from or 
transferred to, any other charge, credit card or other accounts. SDCCU reserves the right to approve, deny 
or revoke your participation in the Program. In the event your participation is revoked, your points will be 
forfeited.  Questions  as  to  what  constitutes  Program eligibility  or  a  qualifying  transaction,  as  well  as  any 
exceptions,  are  at  the  sole  discretion  of  SDCCU.  Fraud  or  abuse  relating  to  the  accrual  of  points  or 
redemption of Rewards may result in forfeiture of accrued points as well as cancellation of membership in 
the Program. 

EARNING POINTS 
You will earn two (2) Rewards Points (each a “Point”) for each $1 of Net Purchases on the enrolled SDCCU 
account. “Net Purchases” mean purchases of goods and services made by you or any authorized user of 
such account minus any returns or refunds. You will receive a one-time bonus award of 10,000 Points if net 
purchases  totaling  $3,000  or  more  are  made  during  the  first  90  days  following  the  Enrollment  Date. 
“Enrollment Date” is defined as the first business day in which you are approved as a Program member. 
After qualifying, please allow 6 to 8 weeks for bonus Points to post to your account. Amounts currently in 
dispute and purchases made in violation of law or the terms governing your credit card account will not earn 
Points. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. 

REV. 10.21.16  ~RGNAME~ 

Voted BEST Credit Union – San Diego Union-Tribune Readers Poll 
PO Box 261209 • San Diego, CA 92196-1209 • (877) 732-2848 • sdccu.com 
Federally insured by NCUA 

 
 
 
 
 
 
When a purchase  or transaction is not a  whole dollar amount, any fraction  will  be rounded down to the 
nearest whole dollar. 

Your statement will normally include the number of Points earned, subject to adjustment as provided for in 
these  Terms  and  Conditions.  Points  will  be  deducted  from  your  current  total  of  Points  earned  for 
corresponding  retail  purchase  returns  posted  to  your  account.  Your  account  may  be  charged  for  the 
difference in the event you have already redeemed unearned Points. 

You do not earn Points on balance transfers, convenience checks, cash advances or unauthorized charges, 
unless  specified  otherwise.  Points  are  not  earned  for  fees  of  any  kind,  such  as  finance  charges,  late 
payment fees, annual fees, balance transfer fees, cash advance fees or any charges you refuse to pay. 
Changes made to the above list are at the sole discretion of SDCCU. 

Points are considered earned when they are posted to the redemption system. Your Points balance will be 
updated  monthly.  Points  may  take  up  to  45  days  to  be  posted  following  a  qualifying  purchase.  SDCCU 
reserves the right to verify and adjust Points at any time prior to or following posting and redemption. Points 
will  be  awarded  and  can  be  redeemed  for  Rewards  only  if  you  maintain  the  account  in  good  standing. 
SDCCU has the right not to award Points if the account is not in good standing. 

POINT REDEMPTION 
The  Reward  Headquarters  telephone  number  is  (877)  205-1867  and  may  be  used  for  redemptions  or 
inquiries.  Customer  Care  Representatives  are  available  to  redeem  Points  for  Rewards  and  answer 
redemption-related questions from 6 a.m. to 6 p.m. Pacific Time. 

You also may redeem Points for Rewards and check point balances online through the Signature Rewards 
Program redemption website. Redeemed Rewards are not refundable, replaceable or transferable for cash, 
credit,  other  Rewards  or  Points  under  any  circumstances.  SDCCU  and  participating  merchants  are  not 
responsible  for  replacing  lost,  stolen  or  mutilated  Gift  Cards/Certificates  or  tickets.  Rewards  Gift 
Cards/Certificates, gift cheques, checks or currency certificates may not be re-sold and are valid through 
the  expiration  period  and  cannot  be  extended  beyond  the  expiration  date.  All  Rewards  are  subject  to 
availability and other restrictions may apply. All Rewards are subject to the Terms and Conditions of each 
participant’s offer materials. 

Points will expire on December 31st at 11:59 p.m. Eastern Standard Time of the fifth year after the 
year they were earned. For example, Points earned November 1, 2016 will expire December 31, 2021. 
Points redeemed and expired  Points  will be based on a first-in, first-out  process. Points earned are not 
transferable, have no cash value and cannot be used as payment of obligations to SDCCU. 

For additional Terms and Conditions, visit the Signature Rewards Program redemption website. 

CONSENT TO CONTACT 
You  consent  to  receiving  calls  or  texts  from  SDCCU  for  any  purpose  (including  this  Program,  servicing 
generally,  fraud  alerts,  debt  collection,  telemarketing,  etc.)  on  any  phone  number  you  provide  or  that 
otherwise reaches you, including via automatic telephone dialing system and/or artificial or pre-recorded 
voice. You understand you do not have to agree to receive such calls on a cell phone number as a condition 
of doing business with SDCCU, in which case you will only provide a land line number. 

OTHER CONDITIONS 
SDCCU  AND  THE  MEMBERS  GROUP  SPECIFICALLY  PROVIDE  NO  WARRANTY  WHATSOEVER 
REGARDING ANY OF THE REWARDS, PRODUCTS OR SERVICES THAT YOU MAY REDEEM UNDER 
THIS  PROGRAM,  THE  PERFORMANCE  OR  NONPERFORMANCE  OF  ANY  SUPPLIERS  OF  THE 
REWARDS,  OR  THAT  ANY  OF  THE  REWARDS,  PRODUCTS  OR  SERVICES  REDEEMED  WILL  BE 
SUITABLE  FOR  YOUR  PURPOSES.  SDCCU  AND  THE  MEMBERS  GROUP  EXPRESSLY  DISCLAIM 
ALL WARRANTIES REGARDING THE REWARDS, PRODUCTS OR SERVICES, WHETHER EXPRESS, 

REV. 10.21.16  ~RGNAME~ 

Voted BEST Credit Union – San Diego Union-Tribune Readers Poll 
PO Box 261209 • San Diego, CA 92196-1209 • (877) 732-2848 • sdccu.com 
Federally insured by NCUA 

 
 
 
 
 
 
 
 
 
 
IMPLIED  OR  STATUTORY,  INCLUDING  WITHOUT  LIMITATION  ANY  IMPLIED  WARRANTIES  OF 
MERCHANTABILITY,  FITNESS  FOR  A  PARTICULAR  PURPOSE,  NON-INFRINGEMENT  OF  THIRD 
PARTY RIGHTS, OR BASED ON COURSE OF CONDUCT OR TRADE CUSTOM OR USAGE. SDCCU 
AND  THE  MEMBERS  GROUP  SHALL  NOT  BE  LIABLE  FOR  ANY  ACTUAL,  DIRECT,  INDIRECT, 
SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, WHETHER FORESEEABLE 
OR NOT, THAT ARE IN ANY WAY RELATED TO ANY INJURIES OR PROPERTY DAMAGES CAUSED 
BY  THE  REWARDS,  PRODUCTS  OR  SERVICES  OR  ANY  REWARDS'  SUPPLIERS'  FAILURE  TO 
PROVIDE ANY REWARDS, PRODUCTS OR SERVICES, AND/OR RELATED TO THESE TERMS AND 
CONDITIONS, THE BREACH THEREOF, THE USE OR INABILITY TO USE ANY OF THE REWARDS, 
PRODUCTS  OR  SERVICES  REDEEMED  OR  TO  BE  REDEEMED,  YOUR  PARTICIPATION  IN  THE 
PROGRAM, ANY TRANSACTIONS RESULTING FROM THESE TERMS AND CONDITIONS, LOSS OF 
GOODWILL  OR  PROFITS,  LOST  BUSINESS  HOWEVER  CHARACTERIZED  AND/OR  FROM  ANY 
OTHER CAUSE WHATSOEVER. 

TRADEMARK 
San Diego County Credit Union, SDCCU, the SDCCU logo, and other SDCCU marks are trademarks of 
San Diego County Credit Union and may be registered. Other trademarks and trade names appearing on 
the website with respect to any specific merchant Rewards are those of their respective owners. 

REV. 10.21.16  ~RGNAME~ 

Voted BEST Credit Union – San Diego Union-Tribune Readers Poll 
PO Box 261209 • San Diego, CA 92196-1209 • (877) 732-2848 • sdccu.com 
Federally insured by NCUA