FLY MILES PLUS REWARD PROGRAM 
TERMS AND CONDITIONS 

The Fly Miles PlusTM Reward Program (the “Program”) Terms and Conditions are separate from the terms of the San 
Diego  County  Credit  Union  (“SDCCU®”)  Consumer  Credit  Card  Agreement  between  SDCCU  and  cardholder  (the 
“Cardholder”).  However,  any  claim  arising  from  or  relating  to  participation  in  the  Program  is  subject  to  the  arbitration 
provisions  of  the  Consumer  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 balances, and to redeem points for Rewards, please visit the 
secure Program redemption website. To access the redemption website, a Cardholder may log into such Cardholder’s 
SDCCU Internet Branch online banking account, select “Self Service”, click “Fly Miles Plus,” select the card with the points 
to be redeemed and then select “Redeem.” 

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).  Cardholder  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. Cardholder is responsible for any federal, 
state or local income, sales, use or other taxes or gratuities. 

The Program is administered by TSYS LOYALTY, 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.  TSYS  LOYALTY  assists  SDCCU  with  administration  of  the  Program,  including 
maintaining and servicing points for Rewards and fulfilling Cardholder Reward redemptions. Neither SDCCU nor TSYS 
LOYALTY 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. TSYS LOYALTY assumes all liability and responsibility for the provision of, or failure to provide 
the stated services defined as administrative services, travel reservations and issuance of travel documentation. 

ELIGIBILITY 
Program eligibility is restricted to individuals who maintain a credit card account in good standing issued by SDCCU. 

Cardholders 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  a  Cardholder’s  participation  in  the  Program.  In  the  event  a 
Cardholder’s participation is revoked, such Cardholder’s 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. 

There is a $35 non-refundable annual participation fee, which will be assessed, regardless of whether the Cardholder 
earns any points. The annual fee is waived for the first year. Each year thereafter, SDCCU will waive the annual fee if the 
Cardholder's net purchases totaled more than $6,000 during the previous year. “Net purchases” mean purchases of goods 
and services made by Cardholder or ay authorized user of Cardholder’s account minus any returns or refunds. The annual 
fee is charged to the Cardholder's SDCCU Visa® credit card on the anniversary of the Cardholder’s enrollment date in Fly 
Miles Plus. Membership will be renewed automatically each year as long as the account is in good standing, unless the 
Cardholder  notifies  SDCCU  of  cancellation  in  writing  at  least  forty-five  (45)  days  prior  to  the  anniversary  of  the 
Cardholder’s enrollment date in the Program. Once participation has been cancelled, points may not be redeemed and 
will be forfeited. 

EARNING POINTS 
Cardholder  will  earn  one  reward  point  (“Point”)  for  each  $1  of  net  purchases  on  the  enrolled  SDCCU  account.  The 
maximum accumulation of Points earned on net purchases is 120,000 Points per enrollment year. This maximum does 
not include Points earned as a result of certain bonus Points. Point accrual will begin upon the enrollment date in the 
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Program. No retroactive Points will be awarded. Enrollment date is defined as the first business day after the day in which 
the Cardholder is approved as a Program member. 

Cardholder’s statements will include the number of Points earned, subject to adjustment as provided for in these Terms 
and Conditions. Points will be deducted from Cardholder’s current total of Points earned for corresponding retail purchase 
returns posted to the Cardholder’s account. Accounts may be charged for the difference in the event the Cardholder has 
already redeemed unearned Points. Amounts currently in dispute and purchases made in violation of law or the terms 
governing the Cardholder’s credit card account will not earn any Points. When a purchase or transaction is not a whole 
dollar amount, any fraction will be rounded down to the nearest whole dollar. 

Cardholders  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, over limit fees, balance transfer fees, convenience check fees, cash advance fees, Program fees or any charges 
the Cardholder refuses 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. A Cardholder’s 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 the Cardholder maintains the account in good standing. SDCCU has the right not to award 
Points if the account is not in good standing. 

POINT REDEMPTION 
The Fly Miles Plus Reward Program Service Center’s (the “Service Center”) telephone number is (877) 587-8746 and 
may be used for redemptions or inquiries. Redemption Specialists are available to redeem Points for Rewards and answer 
redemption-related questions from 6 a.m. to 6 p.m. Pacific Time. The Service Center will be closed the following holidays: 
New Year's Day, Memorial Day, Independence Day (July 4), Labor Day, Thanksgiving Day and Christmas Day. 

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, 2017 will expire December 31, 2022. Points redeemed and expired 
Points will be based on a first-in, first-out process. Points earned are not transferable. 

Cardholders also may redeem Points for Rewards and check Point balances online through the Fly Miles Plus Reward 
Program 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. All Rewards are subject to availability. Certain Rewards are available only during 
the time periods TSYS LOYALTY described in the Program communications. Merchants participating in the Program are 
subject to change. Some Rewards have limited availability. Substitutions that SDCCU deems to be of equal or greater 
value may be necessary. Country of item's origin may change. Merchandise Rewards cannot be shipped to addresses 
that are outside the United States, PO, APO, or FPO boxes. SDCCU reserves the right to modify or cancel any Reward 
at any time. All redemption Rewards will be sent to Cardholder's statement mailing address unless otherwise authorized 
by SDCCU. Merchandise Rewards include applicable sales tax and shipping and handling (via first-class mail, ground 
delivery or motor freight service within the continental U.S.). Allow 4 to 6 weeks for delivery of the Reward earned. In 
certain circumstances the delivery time may be longer. For security reasons, parcel or motor freight couriers may contact 
the Cardholder to arrange delivery of merchandise. It is the responsibility of the Cardholder to respond to the courier in a 
timely manner to facilitate the delivery process. Additional shipping and handling fees for merchandise returned to vendor 
due to Cardholder’s failure to make delivery arrangements are the responsibility of the Cardholder. Expedited delivery of 
a Reward is available upon request for an additional fee. Any additional travel or accommodation arrangements made in 
connection with any Reward will be the Cardholder's responsibility. 

Points, Rewards and gift cards/certificates have no value except as used in accordance with the Terms of the Program 
and Merchants participating in the Program. Rewards are void if sold for cash or other consideration. Rewards are not 
replaceable  if  lost,  stolen,  destroyed  or  expired.  Rewards  are  not  redeemable  and  are  void  if  altered,  photocopied, 
reproduced or damaged in any way. Reward gift cards/certificates, gift cheques, checks or currency certificates may not 
be re-sold and are valid through the expiration date printed on the Reward gift cards/certificates and cannot be extended 
beyond  the  expiration  date.  All  Rewards  are  subject  to  availability  and  other  restrictions  may  apply.  All  Rewards  are 
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REV. 07.11.17 

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subject to the terms and conditions of each participant’s offer materials. Gift cards/certificates may not be combined with 
any  other  promotional  offers.  Fulfillment  of  the  gift  cards/certificates  are  the  sole  responsibility  of  the  participating 
merchant.  

Gift cards and Gift certificates (“Gift Cards/Certificates”) are valid at participating merchants only through the expiration 
date printed on the Gift Card/Certificate, except to the extent prohibited by law. Gift Cards/Certificates must be surrendered 
at redemption, and no photocopies of Gift Cards/Certificates will be honored. Gift Cards/Certificates have no cash value 
and may not be redeemed for cash or its equivalent, and any unused portion will not be returned as cash unless otherwise 
noted on the Gift Card/Certificate. Use of any Gift Card/Certificate is subject to any additional restrictions listed on the Gift 
Card/Certificate.  Gift  Cards/Certificates  are  not  valid  toward  previous  purchases,  and  cannot  be  used  as  payment  on 
existing account balances with either the participating merchant or SDCCU. Please allow 7 to 14 business days for receipt 
of  gift  card/certificates.  Reward  Gift  Cards/Certificates,  gift  cheques,  checks  or  currency  certificates  may  not  be  valid 
where restricted by law. Terms and conditions for each Reward are set for in Program communications and/or on the Gift 
Card/Certificates.  Merchants  participating  in  the  program  are  subject  to  change.  SDCCU  is  not  responsible  for  the 
programs or defects of any merchandise purchased  using a Gift Card/Certificate or for failure  of merchant to perform 
because of bankruptcy, insolvency or any other reason. 

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.  Neither  SDCCU  nor  TSYS  LOYALTY  is  responsible  for  disputes 
between the Cardholder and its employees or any third party reward recipients relating to Points redemption and reward 
distribution. 

AIRLINE TICKETS 
Cardholders may redeem Points for a scheduled ticket on a major airline carrier providing that the fares, schedules and 
the ability to generate a ticket (electronic or paper) is possible through the Global Distribution System (“GDS”) and the 
Airline Reporting Corporation (“ARC”). No other travel agency may be used for these offers. The major airline carrier is 
chosen at the discretion of the Program Administrator. Participating air carriers are subject to change. The ticket will be a 
non-refundable,  non-changeable  ticket  valued  at  no  more  than  the  applicable  amount  listed  in  the  accompanying 
redemption chart, including taxes and destination charges. All travel itineraries and supporting documentation will be sent 
via  email  when  available,  otherwise  paper  documents  will  be  sent  via  First  Class  Mail.  When  electronic  tickets  are 
available, and Cardholder selects paper tickets, a service fee in excess of $50 for the paper ticket will be assessed by 
participating airline at time of ticketing. Additional costs, such as expedited delivery are at the Cardholder's expense. A 
$25 redemption fee (or 2,500 Points) per ticket will be charged at the time of booking. All travel itineraries and supporting 
documentation will be sent via email. Once Points are redeemed, the transaction cannot be reversed. If changes to an 
itinerary are later necessary, the Cardholder may contact the Service Center with their request up to 72-hours prior to the 
travel date. Changes may require additional costs such as airline penalty fees, increased fares, and service fees. Most 
airlines will not allow traveler name changes. In addition, if the Cardholder or recipient is a no-show, the travel reward is 
void. 

Reservations  for  tickets  exclude  the  use  of  charters,  wholesalers,  consolidators  and  any  Internet  fares  that  are  not 
published, available through the GDS or available for ticketing through a certified travel agency. Tickets may be purchased 
in any individual's name, but the ticket will be sent to the Cardholder's mailing address for security reasons. Airline tickets 
may not be used in conjunction with any type of coupons, vouchers, Internet fares or companion fares. Cardholder may 
be subject to customs fees, excess baggage charges or any other charges assessed by governmental or other entities 
as a result of travel. 

Neither SDCCU nor TSYS LOYALTY will be responsible for notifying Cardholder of airline schedule changes. Traveler 
should  confirm  flight  reservations  at  least  72  hours  prior  to  departure.  Cardholders  are  responsible  for  informing 
themselves of the requirements for and obtaining the appropriate international travel documentation, such as passports 
and visas. All travelers must have valid photo identification upon check-in. Neither SDCCU nor TSYS LOYALTY assume 
responsibility for advising guests of proper travel documentation 

Maximum ticket values are established at all redemption levels. If the actual  ticket price is greater than  the maximum 
allowable value, the Cardholder may pay the balance with the Fly Miles Plus Rewards Program enrolled SDCCU Visa 
credit card. 

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COMPANION TRAVEL OR NON-REDEMPTION AIR TRAVEL BOOKING 
The Cardholder may elect to have the Service Center book airline tickets through a major airline carrier providing that the 
fares, schedules and the ability to generate a ticket are possible through the GDS. This service will be subject to a service 
fee at time of booking. 

All airline tickets will be issued the same day as booking and delivered by email (electronic ticketing) or via U.S. Postal 
Service, First Class Mail, postage prepaid for all paper tickets. Priority, three- to five-day delivery, Saturday or international 
deliveries will be subject to additional shipping charges as imposed by the shipping vendor. All shipping charges beyond 
First  Class  Mail  will  be  the  sole  responsibility  of  the  Cardholder's  and  will  be  charged  to  the  Cardholder's  credit  card 
account at time of reservation. 

VACATION PACKAGES 
All travel packages must be booked a minimum of 30 days prior to travel date or Cardholder will incur additional fees. 
Traveler must meet the eligibility requirements established by the travel provider. Travel packages may only be booked 
through the Service Center. Travel packages may not be combined with upgrade certificates, frequent traveler promotions 
or other reward programs, promotional or discount certificates, vouchers, Internet fares, companion fares, group travel, 
convention fares or special rate programs. Travel packages that have been booked may not be cancelled and are not 
eligible for any refund in part or whole. No interim price reductions will be considered or offered once the booking has 
been completed. After booking, any additional special handling may result in the imposition of additional fees. 

Bookings made less than 30 days prior to a travel date will result in the imposition of a special handling fee per traveler in 
addition to other fees imposed by the travel provider. Vacation packages do not include airfare unless specifically stated 
as part of the package. 

All  reservations  are  subject  to  the  conditions  of  carriage,  supply  or  business  of  the  service  provider,  which  include 
exclusions and limitations of liability. Proper travel documentation is required throughout the tour. Even though a traveler 
has completed registration, it is still the responsibility of the traveler to present the required travel documentations at the 
time of departure. The traveler is responsible for informing itself of the requirements for and obtaining the appropriate 
international  travel  documentation,  such  as  passports  and  visas.  The  Service  Center  assumes  no  responsibility  for 
advising guests of proper travel documentation. Neither SDCCU nor TSYS LOYALTY is responsible for the performance 
of the tour operator or any service vendor. 

SDCCU is not liable for any loss or penalties incurred by Cardholder when a hotel, tour operator or cruise line is sold, 
ceases to exist or becomes inoperative if a tour operator cancels a vacation package for acts of nature. Vacation package 
components are subject to change without notice. SDCCU is not liable for amenities, services and/or facilities not being 
available due to seasonal closings, renovations, strikes, bankruptcy and/or acts of nature. 

CRUISE REWARDS 
All cruises must be booked a minimum of 30 days prior to sailing date or incur additional fees. Traveler must meet the 
eligibility requirements established by the cruise line or travel provider. Cruise packages may only be booked through the 
Service Center. Cruise packages may not be combined with upgrade certificates, frequent traveler promotions or other 
reward programs, promotional or discount certificates, vouchers, Internet fares, companion fares, group travel, convention 
fares or special rate programs. Cruise packages that have been booked may not be cancelled and are not eligible for any 
refund in part or whole. No interim price reductions will be considered or offered once the booking has been completed. 
After  booking,  any  additional  special  handling  may  incur  additional  fees.  Bookings  made  less  than  30  days  prior  to  a 
sailing date, will incur a special handling fee of $100 per cabin in addition to other fees imposed by the cruise or travel 
provider. 

All  reservations  are  subject  to  the  conditions  of  carriage,  supply  or  business  of  the  service  provider,  which  include 
exclusions and limitations of liability. Proper travel documentation is required throughout the tour. Even though a traveler 
has completed registration, it is still the responsibility of the traveler to present the required travel documentations at the 
time of departure. The traveler is responsible for obtaining the appropriate international travel documentation, such as 
passports and visas. The Service Center assumes no responsibility for advising guests of proper travel documentation. 
Neither SDCCU nor TSYS LOYALTY is responsible for the performance of the tour operator or any service vendor. 

Voted BEST Credit Union – San Diego Union-Tribune Readers Poll 
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SDCCU is not liable for any loss or penalties incurred by Cardholder when a hotel, tour operator or cruise line is sold, 
ceases to exist or becomes inoperative if a tour operator cancels a vacation package for acts of nature. Vacation package 
components  are  subject  to  change  without  notice. We  are  not  liable  for  amenities,  services  and/or  facilities  not  being 
available due to seasonal closings, renovations, strikes, bankruptcy and/or acts of nature. The Service Center assumes 
no responsibility for advising guests of proper travel documentation. 

CONSENT TO CONTACT 
Cardholder consents to receiving calls, texts and other messages from SDCCU for any purpose (including this Program, 
account/loan servicing, fraud alerts, collection, marketing etc.) on any phone number provided by the Cardholder or that 
may  reach  the  Cardholder,  including  via  automatic  telephone  dialing  system  and/or  artificial  or  pre-recorded  voice. 
Cardholder understands that such consent is not a condition of receiving any product and/or service from SDCCU. 

CAR RENTALS 
Renter must meet rental car company standard driver and credit qualifications at time and place of rental. Renter will be 
required to execute a rental agreement at time of rental. The minimum age for rental of a vehicle is 25 years old unless 
specifically approved by rental car provider. Advance reservations are required for Rewards rentals. The Cardholder must 
provide a major credit card at the time of rental. 

Rewards do not include taxes, insurance, extra drivers, optional service charges such as refueling or any other fees or 
charges  imposed  by  rental  location  and/or  Cardholder.  Cardholder  may  be  provided  a  voucher  or  certificate  as  an 
instrument of securing a rental vehicle. A voucher or certificate must be presented to rental car company at time of the 
rental pickup. Vouchers  and certificate are  negotiable instruments for the  purpose of securing car rental services and 
cannot be replaced if lost, stolen or destroyed. No change or credit will be issued for unused portions of Rewards. 

Traveler is subject to the restrictions and vehicle type listed on the voucher or certificate. Some blackout dates may apply. 
Neither SDCCU nor TSYS LOYALTY are responsible for the performance of the car rental company. Additional terms and 
conditions may be imposed by the respective rental car companies and are incorporated herein by reference. Participating 
car rental companies and reward offerings are subject to change without notice. Advance reservations recommended. 
Participating rental car companies and reward offerings are subject to change without notice. 

FOR INTERNATIONAL RENTALS: Advance reservations are required at least 8 hours prior to departure from the U.S. 
The U.S. Dollar value will be valued in local currency when Cardholder surrender the certificate at the time and place of 
rental. Vouchers redeemed at participating international locations can only be used on non-prepaid Affordable Weekly 
rates of at least one week but not longer than three weeks. Renters must present a valid driver license that has been held 
for at least one year prior to rental. Vouchers are not a guarantee of performance or a confirmation of reservation. See 
voucher for international terms. 

HOTEL CERTIFICATES 
Reward certificates, gift cheques, checks or currency certificates must be presented and surrendered at time of check-in 
or time of transaction. Hotels and or resorts may require advance deposits to reserve accommodations. Accommodations 
are subject to availability at time of reservations and blackout dates may apply due to seasonal periods or special events. 
Reward certificates are not redeemable for cash and are void if sold for cash or other consideration.  Reward certificates 
are not refundable or replaceable if lost, stolen, destroyed or expired. Reward certificates are not redeemable and are 
void if altered, photocopied or reproduced. Guest must present and submit the Reward certificate at check-in and may 
not be valid where restricted by law. Length of stay restrictions may apply. Any tax liability, including disclosure, connected 
with receipt or use of reward certificate is the recipient’s responsibility. The Reward certificate will not be extended beyond 
the  expiration  date.  Hotels or resorts may require advance deposits to reserve  accommodations and may  not  include 
resort  fees  or  taxes.  Participating  properties  are  subject  to  change  at  any  time  without  notice.  SDCCU  and  TSYS 
LOYALTY are not responsible for hotel performance. 

Voted BEST Credit Union – San Diego Union-Tribune Readers Poll 
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REV. 07.11.17 

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GIFT CARDS AND GIFT CERTIFICATES 
Gift Cards/Certificates may be used to purchase goods or services at participating retailers and, where applicable, for 
Internet  purchases.  Gift  Cards/Certificates  are  non-transferable  unless  otherwise  noted  on  the  certificate.  Gift 
Cards/Certificates may not be combined with any other promotional offers from SDCCU. In the event goods or services 
received are less than the face value of the Gift Card/Certificate redeemed, the policy of the Gift Card/Certificate provider 
will determine whether credit or Gift Card/Certificate value for the difference will be given. Gift Cards/Certificates are valid 
at  participating  reward  supplier  only,  through  the  expiration  date  printed  on  the  Gift  Card/Certificate,  except  where 
prohibited by law. Some Gift Cards/Certificates are limited to use inside the United States. Use of any Gift Card/Certificate 
may be subject to additional restrictions as listed on the Gift Card/Certificate. 

Gift Cards/Certificates are not replaceable if sent standard delivery method which is first class U.S. mail if lost 
(not received), stolen, destroyed, or expired and are not returnable, exchangeable, refundable, or redeemable for 
cash or credit under any circumstances. 

Other trackable and expedited shipping options are available at nominal fees. Gift Cards/Certificates must be surrendered 
at redemption, are void if altered, and no photocopies of Gift Cards/Certificates will be honored. Gift Cards/Certificates 
have  no  value  except  when  used  in  accordance  with  the  Terms  of  the  Program  and  Merchants  participating  in  the 
Program. 

MERCHANDISE 
Merchandise Rewards include applicable sales tax and shipping and handling (via First Class Mail, ground delivery or 
motor freight service within the continental United States). Merchandise will not be delivered to PO, APO or FPO boxes. 
Merchandise will be shipped to Cardholder's statement mailing address unless otherwise authorized by SDCCU. 

For security reasons, parcel or motor freight couriers may contact Cardholder to arrange delivery of merchandise. It is the 
responsibility  of  the  Cardholder  to  respond  to  the  courier  in  a  timely  and  reasonable  manner  to  facilitate  the  delivery 
process. Additional shipping and handling fees for merchandise returned to vendor due to Cardholder's failure to make 
delivery arrangements will be the responsibility of the Cardholder. Additional shipping costs for delivery of merchandise 
Rewards to Alaska and Hawaii (if possible) will be the responsibility of the Cardholder. 

Please allow 4 to 6 weeks for delivery from time of order. The Cardholder will be notified of any delays by postcard, letter 
or phone call. All merchandise reward orders are subject to product availability and SDCCU reserves the right to substitute 
merchandise of equal or greater value. Cardholder will be notified if the merchandise reward ordered is not available and 
when it will become available. SDCCU reserves the right to alter or substitute any or all merchandise Rewards at any time 
without prior notification. Returns are only accepted for merchandise that is damaged, defective or incorrectly shipped. 
Notification of same must be made within 48 hours of delivery and must be returned within 30 days for credit or shipment 
of replacement item. If the item is damaged or defective please contact the Service Center at (877) 587-8746 to report 
the problem and obtain assistance. The manufacturer's warranty applies to all merchandise Rewards. 

CASH BACK REWARDS 
Points may be redeemed for an eligible cash reward (“Cash Reward”) option listed on the redemption website. The Points 
required and the amount of the Cash Reward are set by SDCCU and may be changed at any time, for any reason, without 
notice to Cardholder. Cash Rewards are allowed only at specific redemption levels. The Cash Reward option is received 
by a credit to Cardholder’s SDCCU primary savings account. No fractional Cash Reward(s) will be issued upon redemption 
of  Points  and  any  fraction  will  be  rounded  down  to  the  nearest  whole  dollar.  Cash  rewards  will  be  deposited  into 
Cardholder’s SDCCU savings account four to six weeks after the date of redemption of Points for the Cash Reward. 

CHARITABLE CONTRIBUTIONS  
Points may be redeemed and donated as charitable contributions to eligible charities as designated by SDCCU in its sole 
discretion. Cardholder may donate 6,000 Points in exchange for a $50 donation to an eligible charity or 10,000 Points in 
exchange  for  a  $100  donation  to  an  eligible  charity.  Participating  charities  are  subject  to  change  at  any  time,  for  any 
reason, without notice to Cardholder. SDCCU may discontinue our relationship with any charity at any time, for any reason, 
without  notice  to  Cardholder.  Cardholder  should  consult  Cardholder’s  tax  advisor  as  to  whether  or  not  redemption  of 
Points towards a charity  is tax  deductible.  All  Points  redeemed for charitable contributions are final. Points cannot  be 
refunded or returned. 

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 

REV. 07.11.17 

Page 6 of 7 

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FLY MILES PLUS REWARD PROGRAM 
TERMS AND CONDITIONS 

OTHER CONDITIONS 
SDCCU AND TSYS LOYALTY SPECIFICALLY PROVIDE NO WARRANTY WHATSOEVER REGARDING ANY OF THE 
REWARDS,  PRODUCTS  OR  SERVICES  THAT  CARDHOLDER  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  CARDHOLDER’S  PURPOSES. 
SDCCU  AND  TSYS  LOYALTY  EXPRESSLY  DISCLAIM  ALL  WARRANTIES  REGARDING  THE  REWARDS, 
PRODUCTS OR SERVICES, WHETHER EXPRESS, 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 TSYS LOYALTY 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, CARDHOLDER’S 
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, Fly Miles Plus™ Reward Program 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. 

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 

REV. 07.11.17 

Page 7 of 7 

SMRH:481699080.6