SDCCU CASH REWARDS CASH BACK PROGRAM 
TERMS AND CONDITIONS 

Thank you for choosing San Diego County Credit Union’s (“SDCCU’s”) Cash Rewards cash back program (“Program”) 
which pays a statement credit to your SDCCU® Visa® credit card loan account in each month that you make qualifying 
purchases using your enrolled SDCCU credit card. Please review the following terms carefully. 

ELIGIBILITY & PARTICIPATION 
You qualified for this Program by having an excellent credit history at the time of your credit card application. To remain 
eligible  for  the  Program,  you  must  maintain  your  SDCCU  credit  card  account  in  good  standing  and  maintain  your 
excellent credit rating. Delinquent payments, over-the-limit status and returned items are all examples of reasons your 
eligibility in the Program may be suspended and/or terminated. 

While the Program may not be combined with other rewards programs such as the SDCCU Fly Miles Plus™ Rewards 
Program, it can be combined with SDCCU Dining DealsTM and SDCCU PaybacksTM. You may cancel your participation 
in the Program by notifying SDCCU in writing at any time; however, should you do so, you forfeit that month’s reward 
amount. SDCCU reserves the right to approve, deny or revoke membership in the Program for any reason including, but 
not limited to, a deterioration of your credit rating. 

STATEMENT CREDITS 
In each statement cycle,  you will be credited a percentage of the U.S. dollar value of net purchases made during that 
same cycle. Currently, the rewards percentage is 1.00%; however, this percentage may change at our discretion at any 
time  without  advance  notice  to  you.  In  addition,  from  time  to  time  we  may  offer  temporary  promotional  rewards  with 
varying reward percentages based on purchase type or other factors. Receipt of a statement credit does not affect your 
responsibility to pay your minimum monthly payment. Each statement cycle is the 2nd of each calendar month to the 1st 
of  the  next  month  –  for  example,  January  2nd  to  February  1st.  Net  purchases  means  new  purchases  of  goods  and 
services made by you or any authorized user of the account minus any returns or refunds made after you enroll. Your 
enrollment begins when  you are approved for the program (maximum of three (3) business days after your request is 
approved). Reward amount is not paid on cash advances, balance transfers, overdraft transfers, convenience checks, 
unauthorized  charges,  disputed  charges  and  fees  of  any  kind,  such  as  finance  charges,  late  payment  fees,  balance 
transfer fees, convenience check fees, cash advance fees or program fees. 

Rewards have no value except as used in accordance with these Terms and Conditions. There is no accrual of credits. 
Credits  are  calculated  and  posted  at  the  end  of  each  statement  cycle.  If  the  account  is  closed,  or  the  Program  is 
cancelled during the middle of the cycle period, the statement credit will not be considered earned and will not be paid. 

PROGRAM TERMS 
Questions as to what constitutes Program eligibility or a qualifying transaction, as well as any exceptions, are at the sole 
discretion of SDCCU. SDCCU reserves the right to verify and adjust statement credits at any time prior to or following 
the  posting  of  the  statement  credit.  Fraud  or  abuse  relating  to  statement  credits  may  result  in  cancellation  of  the 
Program as well as a reversal of previous statement credits paid. 

From time to time, SDCCU may change the terms of the Program. When changes are made, SDCCU will notify you as 
provided  by  law.  It  is  your  responsibility  to  review  communications  regarding  the  Program  terms  to  be  aware  of  any 
changes.  SDCCU  reserves  the  right  to  change  or  terminate  any  Program  feature,  including,  without  limitation, 
participation fees, rewards percentage or crediting criteria and to cancel the Program at any time without notice. 

These  Program  Terms  and  Conditions  are  in  addition  to  the  Account  Disclosures  And  Agreement,  your  credit  card 
agreement and, if applicable, other agreements in effect between you and SDCCU. 

REV. 09.12.14 

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PO Box 261209 • San Diego, CA 92196-1209 • (877) 732-2848 • sdccu.com 
Federally insured by NCUA.