Platinum Rewards Credit Card Rewards Program Terms & Conditions 

These  Terms  and Conditions  referenced  below  apply  to  the  SAFE  Credit  Union  (SAFE)  Platinum  Rewards Credit Card 
program only (“Program”). 

You will earn reward points on new net qualified point-of-sale (POS) purchases (less adjustments, credits, and returns) for 
each $1 spent.  

The following Credit Card account transactions are not eligible for reward points: (1) Cash advances (including convenience 
checks  and  overdraft  advances  to  SAFE  checking  accounts,  (2)  balance  transfers,  (3)  purchases  of  cash-equivalent 
instruments  such  as  traveler’s  checks,  money  orders,  or  prepaid  cards,  (4)  unauthorized  transactions,  or  (5)  fees  and 
interest charges.  

Reward Categories: 

•  Travel: Reward points can be redeemed for airfare, hotel stays, rental cars, cruises, and more. 
•  Merchandise: Reward points can be redeemed for merchandise and gift cards. 

Earning  Points:  Reward  points  can  be  earned  daily  subject  to  transaction  settlement  with  the  merchant.  Transactions 
resulting in fractions of reward point credits, which will be rounded up to 1 point if $0.50 cents or higher and rounded down 
1  point  $0.49  cents  and  lower.  We  may  make  adjustments  to  your  reward  points  based  on  your  account  activity.  For 
example, we will decrease the balance in your reward points account to correspond with the return of a purchase or the 
amount of a reward disbursed by us in error. In certain circumstances, it is possible to have a negative reward point balance. 

Reviewing Your Reward Points: You will receive a quarterly statement identifying the number of available reward points 
earned. Reward points expire in 60 months. Reward point requirements assigned to Travel and Merchandise awards are 
subject to change from time to time without notice, and may be substituted at any time. Despite our best efforts to ensure 
accuracy, printing and website errors involving the reward points program occasionally occur. If you discover an error, call 
SAFE at (916) 979-7233 or (800) SEE-SAFE ((800) 733-7233). We reserve the right to adjust or reverse the number of 
reward points that were awarded or unauthorized Net Purchases potentially eligible for redemption. All rulings on errors will 
be resolved by SAFE and our decision will be final. 

Redemption: Visit scorecardrewards.com to create your account and view all available redemption options and associated 
travel and merchandise guidelines and restrictions. You may also contact the ScoreCard Service Center at (800) 854-0790. 

Eligibility: To participate, you must have a SAFE Platinum Rewards Credit Card account open with a credit limit of more 
than $0.00. SAFE reserves the right to suspend your accumulation of reward points or withhold redemption of accumulated 
reward points if you are in default on your SAFE Platinum Rewards Credit Card account obligations or any other obligation 
you have to SAFE. If you or we close your SAFE Platinum Rewards Credit Card account, any accumulated reward points 
will be forfeited. The Program is available only to SAFE Platinum Rewards Credit Card accounts established for personal, 
family, and household use. SAFE reserves the right to disallow or reverse credit for reward points if we determine it resulted 
from a transaction initiated for business purposes or any use other than personal, family, or household use. 

Other Terms and Conditions: Your use of your card following receipt of these Terms and Conditions will indicate your 
agreement  with  these  Terms  and  Conditions.  SAFE  DOES  NOT  WARRANT  THAT  THE  PROGRAM  WILL  BE 
UNINTERRUPTED OR ERROR-FREE AND WILL HAVE NO LIABILITY TO YOU OTHER THAN TO INVESTIGATE AND 
CORRECT ANY ERRORS. We will not be liable to correct any error that you fail to report within 30 days after we send or 
make available to you the statement on which the error or the transaction associated with the error appeared or should have 
appeared, or if we reasonably determine that, notwithstanding your claim, we did not make an error. 

Program Changes: We reserve the right to modify, suspend, or cancel these Program Terms and Conditions at any time, 
with or without notice to you. If the Program is canceled, you will be given an opportunity to redeem your reward points 
balance within a limited time, after which you may forfeit any and all reward balances. The most current Program Terms 
and Conditions are available at safecu.org, or you can request a copy by calling (916) 979-7233 or (800) SEE-SAFE ((800) 
733-7233) or visiting any SAFE branch.  

S-1471  4/19/2018