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Frequently Asked Questions
ScoreCard® is a loyalty program tied to all Palmetto Citizens debit and credit cards that lets you turn the dollars you spend into Reward Points. There is NO FEE to participate in this program and no activation is required. Points can be redeemed for travel and merchandise, with hundreds of options to choose from!
If you have any questions regarding ScoreCard® Reward Points, please visit www.scorecardrewards.com or call 1-800-854-0790.
Table of Contents / Overview
Earning ScoreCard® Reward Points
- How can I check my Reward Points?
- How do I login to the ScoreCard® website?
- What if I forget my username or password?
- What can I purchase with my Reward Points?
- How do I redeem my Reward Points?
- What is the minimum amount of points needed?
- Is there a fee to redeem points?
- If I don’t have enough points, can I purchase the extra points I need?
- If I redeem points for an airline ticket, can I purchase additional tickets for that trip without the use of points?
- What happens to my points if I close my checking account or my account is not in good standing with the credit union?
- Who can I combine my points with?
- How do I combine my points with another member?
- Once points are combined, can they be divided up at a later date?
- Who can redeem the points from a combined account?
Earning ScoreCard® Reward Points Points
CREDIT: You will earn one point for every $1 in net purchases you charge to your PCFCU Visa Credit Card.
DEBIT: You will earn one point for every $3 you spend on a transaction using the credit/ signature option.
Points are calculated by rounding up or down from the $0.50 mark. (example: $5.50 purchase earns 2 points on debit and 6 points on credit; $5.25 purchase earns 1 point on debit and 5 points on credit).
No points are earned on PIN-based transactions, returns, fees, international transactions, currency conversion charges, ATM withdrawals or insurance charges posted to your account.
What is a credit transaction on a debit card?
Many times when you make a purchase with your debit card, you can choose “CREDIT” and sign for the transaction or you can enter your PIN. Only debit card transactions processed without the use of your PIN will earn Reward Points (including transactions made online and by phone).
Your Reward Points are valid for 5 years (60 months). Expired points will be removed from your account in August after expiration (example: points earned during Sept. 2008 would not be removed from your account until Aug. 2014).
How can I check my Reward Points?
- Login and track your daily point balance at www.scorecardrewards.com.
- View your balance on your monthly PCFCU statement.
- Call the ScoreCard® Rewards member service line at 1-800-854-0790.
How do I login to the ScoreCard® website?
When you visit the ScoreCard® website for the first time you will need to provide your First and Last Name (as it appears on your card), the last 8 digits of your debit card number and the billing zip code of your card. At this time you can also create a Login ID and Password by clicking on “create login/password” (see below) to use to access your account in the future.
What if I forget my username or password?
If you should forget your username/password, you can log in by entering your account criteria in the New User/No Login ID box on the left. Password and username resets can be performed once you are logged into the site under the "My Info" section.
What can I purchase with my Reward Points?
There are a variety of merchandise and travel options:
- Travel: Redeem your points for airline tickets, hotel accommodations, rental car certificates, cruises and vacation packages to travel to destinations in the U.S. and around the world.
- Merchandise: You can choose from over 600 brand-name items in the ScoreCard® merchandise catalog. You'll find electronics, furniture, toys, sporting goods and more. Plus, shipping is free! Selections are updated each April with seasonal merchandise offered throughout the year.
The complete showcase can be viewed at the ScoreCard® website. Catalogs showing an array of brand-name merchandise and travel benefits are available at all Palmetto Citizens service centers.
How do I redeem my Reward Points?
- Login to your ScoreCard® account online and select the item you would like from the online catalog. You can use the online ordering process or print a form from the site and mail it to ScoreCard®.
- Call 1-800-854-0790 for merchandise redemption or 1-800-842-3006 to book your travel.
What is the minimum amount of points needed?
You can you redeem an award with as few as 2,000 points. The more points you earn, the greater value the awards available.
Is there a fee to redeem points?
No, there are no fees associated with this program or to redeem points. However, certain fuel and/or Federal Security fees may apply on travel.
If I don’t have enough points, can I purchase the extra points I need?
No, a sufficient number of points must be available in your account to redeem for any merchandise or travel you may select. Points are not available for purchase.
If I redeem points for an airline ticket, can I purchase additional tickets for that trip without the use of points?
Yes, companion tickets are available at time of purchase. If you do purchase the additional ticket(s) using your PCFCU debit or credit card, you will earn DOUBLE points on the transaction.
What happens to my points if I close my account or my account is not in good standing with the credit union?
Points are removed immediately from your corresponding ScoreCard® account once your PCFCU account is closed. Your account must be open and in good standing at the time your order is received for processing. PCFCU reserves the right to suspend your participation in the Program until the account is in good standing.
Who can I combine my points with?
You may combine your ScoreCard® Points with any other qualifying Palmetto Citizens debit or credit card holder. Only members sharing your same last name (as it appears on your card) and address (on file with PCFCU) can combine their points through the ScoreCard® website. All other requests to combine points must be made at a PCFCU service center.
How do I combine my points with another account or member?
Members can combine their Reward Points between their multiple accounts or with other qualified Palmetto Citizens members for greater reward options.
- Combine with members sharing the same last name and address - Simply log into your account through the ScoreCard® website and click on Householding to combine points with one of your accounts or another member who shares your same address (on file with PCFCU) and last name (as it appears on your card).
- Combine with members NOT sharing the same last name and address - Visit any one of our service center locations to complete the needed documentation. All parties must be present to make this request. Please bring a valid photo ID.
Once points are combined, can they be divided up at a later date?
No, all combination of ScoreCard® Points are FINAL. Points cannot be divided up and placed back to individual accounts once they have been combined.
Who can redeem the points from a combined account?
Once accounts are combined, any one of the account holders may redeem the collective points.
Points have no cash value. Points in this Program cannot be exchanged for cash or credit, may not be used with any other offer, promotion or discount, cannot be combined with cash to obtain an Award and cannot be earned from or transferred to any other rewards program, unless otherwise specified.