UChoose Rewards® Terms and Conditions 

If You participate in the UChoose Rewards® Program, You agree to the following terms and conditions. 

Definitions 
In the UChoose Rewards Program, these terms have the following meanings: 

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"Account" refers to credit account, financial account, or other account opened at Your Financial Institution. 
"We," "Our," or "Operator" means Fiserv Solutions, Inc., the operator and administrator of the Program and its subcontractors. 
"Program" or "UChoose Rewards Program" means the program that allows Participants to earn and redeem points for rewards. 
"Rewards Points Account" means the account that tracks points earned by the Participant. 
"You," "Your," or "Participant" means the individual(s) who is using the credit card, financial product, or other product of a participating 
financial institution to obtain points that qualify for rewards. 
"Your Financial Institution" refers to the financial institution where You maintain an Account. This may be a credit card account where a 
credit card has been issued, or any other account maintained by the financial institution on behalf of You. 

Eligibility 

1.  Eligibility is restricted to Participants with an active and open Account with a financial institution participating in the Program, which may 

include charging or usage privileges. 

2.  Eligibility is restricted to Participants that have an Account statement mailing address within the 50 United States, the District of Columbia, 

United States territories, or United States military address (such as APO).  

3.  This Program is available to all Accounts designated by Your Financial Institution.  

Program Administration 

1.  Your Financial Institution reserves the right to cancel or temporarily suspend the Program at any time without advance notice, which may 

result in the cancellation of outstanding points. Your Financial Institution has the right to change the Program without advance notice to 
You.  

2.  Operator and Your Financial Institution each have the right to monitor all Rewards Point Account activity. Operator and Your Financial 

Institution each reserves the right to cancel any Program membership in the event of fraud, abuse of program privileges, or violation of the 
Program rules; including any attempt to sell, exchange, or transfer points, or any instrument exchangeable for points. If You have 
conducted any fraudulent activity, Operator reserves the right to take any necessary legal action and may have grounds to confiscate any 
rewards redeemed as a result of such activity. In addition, You may be liable for monetary losses to Operator, including litigation costs and 
damages and you will not be allowed to participate in the Program in the future.  

3.  The terms of this Program are void where prohibited by law. 
4.  We may, at any time and without prior notice, (i) change, limit or terminate any aspect of the Program, or (ii) update, amend or terminate 

these Terms and Conditions in whole or in part. Changes may affect outstanding transactions and points.  

Point Accrual 

1.  You will earn points for every qualifying net purchase (purchases less returns) as designated by Your Financial Institution. This may 

include using your credit card or by participating in certain other Account activity with Your Financial Institution. Your Financial Institution 
determines the points earning rate for all transactions and when points begin to accrue. No retroactive points will accrue.  
Returns are subject to the return policy of the retailer from which you made your purchase. If you return or cancel an item, points are also 
reversed from that sale.  
Exchanges also make purchases from participating retailers made through www.uchooserewards.com ineligible for rewards, as when 
merchandise is exchanged, the merchant cancels the order and replaces it with a new one. Since the new order was not made through the 
program website points cannot be tracked. Because of this, the retailer will not pass the points to UChoose Rewards which means 
UChoose Rewards cannot access the points to put in your account.  
To avoid losing your rebate on exchanges, please make sure all returns are final. Once your refund is credited to your card, place the 
order again through the UChoose Rewards website to be sure you receive points on your purchase. 

2.  Transactions from lost, canceled, or stolen credit or debit cards; or fraudulent purchases will not earn points.  
3.  Participants will not earn points if the Account has been closed, whether closed by Participant or Your Financial Institution. Once the 

Account is closed, points will not be credited and points will be immediately forfeited and cannot be redeemed. Your Financial Institution 
will determine what constitutes a closed Account. 

4.  The Program is based on net purchases only and does not include cash advances, balance transfers, or wire transfers. It also does not 

include any fees posted to your Account, including (but not limited to) late fees, over limit fees, and finance charges.  

5.  There is no annual cap to how many points you can earn. 
6.  Points will expire 5 years from the end of the month in which they were posted. 
7.  Points earned during a calendar month are posted to the Participant’s Reward Points Account by the 10th of the following month. 

Qualifying purchases that have not been cleared or posted to a Participant’s Reward Points Account are not eligible for redemption.  

8.  Dollar and cents amounts will be rounded down to the nearest whole dollar amount when calculating points earned.  
9.  Point balances are available for view online.  
10.  Points cannot be transferred from one Rewards Point Account to another Rewards Point Account.  
11.  Points from multiple Accounts may be pooled together at the discretion of Your Financial Institution. 
12.  Points may not be assigned, transferred and/or pledged to any third party. Participant has no property rights or other legal interests in 

points.  

13.  Participant is responsible for any personal tax liability that may be related to participation in the Program. 
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If your Rewards Point Account does not represent the correct number of points that you should have been awarded, Operator reserves the 
right to adjust your point balance. If you have been awarded points in error or if you believe your Rewards Point Account has been the 
subject of any suspicious activity, please contact the Operator immediately using the "Contact Us" feature of the Program website.  
If you believe that you have made purchases that should have resulted in the addition of Rewards to your accumulated Rewards balance, 
and you see that the Rewards have not been reflected within thirty (30) days of your purchase (date the charge appears on your credit 
card statement), please contact us within ninety days of the date of such purchase and we will investigate the situation. (If you wait longer 
than ninety (90) days, your ability to claim the Rewards will be considered waived). 

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Redeeming Points 

1.  No cash refunds or partial awards will be issued upon redemption of points. 
2.  Program points may not be used with any other discount or coupon offer.  
3.  All points must be redeemed using the Program website located at www.UChooseRewards.com.  
4. 

If you have questions about the Program, those questions can be sent to the Operator using the "Contact Us" feature of the Program 
website.  

5.  Points will be redeemable only if your Rewards Points Account is open and in good standing.  
6.  The Participant must redeem points, but another person may use the ticket(s) or rewards. The Participant is responsible for any tax liability 
or other charges related to participation in the Program or redemption of points, and for payment of any taxes or charges. Examples of 
such charges include without limitation, baggage charges, departure taxes, or other charges that may have been assessed by government 
entities.  

7.  Your Financial Institution reserves the right to disqualify any Participant from participating in the Program and to invalidate all points for 

abuse, fraud, or any violation of the Program Terms and Conditions.  

8.  Your Financial Institution, Operator and suppliers are not responsible for the replacement of lost, stolen, or damaged documents awarded 

for the redemption of points.  

9.  Your Financial Institution reserves the right to pass on any processing and/or surcharge fees that may be incurred on the rewards. 

Liability 

1.  You acknowledge and agree that as part of the Program certain information, such as Your name and address, shall be provided to 

merchants and other parties involved in the Program and Your transactions. You acknowledge and agree that Operator has no control 
over and liability for any use of such information by those third parties. 

2.  Operator has no liability for disagreements regarding points. Your Financial Institution’s decisions regarding points and point discrepancies 

will be final. 

3.  You agree to comply with all applicable laws, rules, statutes, ordinances, and regulations in connection with Your participation in the 

Program and Your use of goods and services. 

4.  NONE OF OPERATOR OR THE SUPPLIER OF ANY REWARDS (INCLUDING EACH OF THEIR AGENTS, AFFILIATES OR 

EMPLOYEES) (TOGETHER, "PROVIDERS") MAKE ANY WARRANTY OR REPRESENTATION OF ANY KIND, EXPRESS OR IMPLIED, 
REGARDING THIS PROGRAM AND THE WEBSITE, AND/OR ANY CONTENT, DATA, SOFTWARE, MATERIALS, INFORMATION, 
PRODUCTS, SERVICES AND/OR OPERATION OF THE PROGRAM OR THE WEBSITE ALL OF WHICH ARE PROVIDED ON AN "AS 
IS" AND "AS AVAILABLE" BASIS. YOU EXPRESSLY AGREE THAT THE USE OF THIS WEBSITE AND THE PROGRAM IS AT YOUR 
SOLE RISK. PROVIDERS EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, THAT THE 
PROGRAM AND THE WEBSITE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR VIRUS-FREE. THE INFORMATION, 
SOFTWARE, PRODUCTS, AND SERVICES ON THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. 
5.  TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, THE PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS AND 
IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A 
PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A 
COURSE OF DEALING OR USAGE OF TRADE. THE INCLUSION OR OFFERING OF ANY PRODUCT OR SERVICE ON THIS SITE 
DOES NOT CONSTITUTE AN ENDORSEMENT OR RECOMMENDATION OF SUCH PRODUCT OR SERVICE. 

6.  THE SUPPLIERS OF PRODUCTS AND SERVICES FOR OPERATOR ARE INDEPENDENT CONTRACTORS AND ARE NOT AGENTS 

OF OPERATOR. OPERATOR IS NOT LIABLE FOR THE ACTS, ERRORS, OMISSIONS, REPRESENTATIONS, WARRANTIES, 
BREACHES OR NEGLIGENCE OF ANY SUCH SUPPLIERS OR FOR ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE OR 
LOSS, INCONVENIENCE, LOSS OF ENJOYMENT, MENTAL DISTRESS OR OTHER SIMILAR MATTER, DELAYED DEPARTURE, 
MISSED CONNECTION, SUBSTITUTION OF ACCOMODATIONS, TERMINATIONS OF SERVICE, OR CHANGES IN FARES AND 
RATES, AND/OR CANCELLATION OR DOUBLE BOOKING OF RESERVATIONS OR TICKETS RESULTING THEREFROM. ALL 
TRAVEL DOCUMENTS ARE ISSUED SUBJECT TO THE TERMS AND CONDITIONS SPECIFIED BY OPERATOR’S SUPPLIERS. 
7.  THE PROVIDERS WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR 

CONSEQUENTIAL LOSS, CLAIM, INJURY AND/OR DAMAGE ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, THE USE OF 
THE PROGRAM OR THE WEBSITE, OR FOR ANY INFORMATION SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH 
THE PROGRAM OR THE WEBSITE, OR ANY FAILURE OR DELAY, OR THE PERFORMANCE OR NONPERFORMANCE BY 
PROVIDERS, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF THE PROVIDERS HAVE 
BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. 

8.  SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES. IF 

THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY 
TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. 

9.  You agree to indemnify, defend, hold harmless, and release the PROVIDERS and any merchants participating in the rewards, including 
any rewards that, after receipt, may be lost, stolen, or destroyed, from any claims, liabilities, obligations, actions, or damages (including 
reasonable attorneys fees) arising out of any breach of the Program or these Terms and Conditions by You or by anyone using the 
Program or Your points, REWARDS POINT ACCOUNT, or OTHER Accounts. All participating merchants are in no way affiliated with or 
responsible for the Program administration.  
If any of these terms are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which 
these terms are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, 
it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be 
binding and enforceable. 

10. 

11.  The Program and these Terms and Conditions are subject to the laws of the State of New York, without any reference to its choice of law 

provisions. 

Other Terms and Conditions 
See the following additional Program Terms and Conditions set forth in the attached links online for merchandise, travel, event tickets, activities 
and gift cards. Any disclaimer of liability set forth in those additional Program Terms and Conditions shall also apply to the Operator of the 
Program described in these Terms and Conditions.