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UChoose Rewards FAQ


What is UChoose Rewards®? UChoose Rewards® is a program that earns you points for using your Synergy FCU debit card or your Synergy FCU Rewards credit card. You can redeem your points toward anything from our huge online rewards catalog found at

Do I need a specific card in order to get rewards? Yes, you need the MasterCard Platinum Rewards card or the Synergy FCU debit card.

Do I need to register my credit card before I can start earning point? Yes, you need to register your Platinum Rewards card and/or your debit card. To register your card, visit and click the Register link.

How do I register my card? Please visit On the right side, you will see “New to UChoose Rewards?” with a Register link. Click Register, and then enter your card number. Once your card is authenticated, it will ask to establish your user name and password. Follow the instructions as provided.

How do I start earning points? Every time you make a purchase with your card, you’ll earn 1 point for every $1.00 you spend on your credit card and 1 point for every $2.00 you spend on your debit card. Plus, you can earn additional points by shopping in-store or online with participating retailers.

Where can I earn points? You earn points everywhere your MasterCard® is accepted. Participating retailers offer additional reward points for purchases made at their stores or online. A list of participating retailers can be found at

Where can I view my point activity? You can access the history of your point activity through

When can I redeem points? It can take up to 40 days for your points to be credited to your account. You must first accumulate 1,500 points before you can redeem them. Your points are available to view on or the mobile app. Here you can keep track of the points you’ve earned, and then shop the online rewards catalog when you’re ready to redeem. A Wish List Tracker is also available to notify you when you’ve earned enough points to redeem a specific item.

When I redeem for a product, can I ship my redemption to an address other than the one Synergy Federal Credit Union has on file for me? Yes – you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.

Can points be redeemed at the point of purchase or can they only be redeemed online? You can only redeem points online through

If I am close to having enough points to redeem, can I purchase the balance of the points they need? No, you cannot purchase the balance of the points you need. You must earn the required points needed to redeem for an item.

What will happen to my points if my card is lost or stolen? If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on the website with your new card.

If someone manages to get access to my UChoose Rewards username and password, can they redeem my points? Every effort is made to authenticate UChoose Rewards participants – but fraud can occur. If you feel that you might have been a victim of fraud, contact Synergy FCU so that an investigation can be undertaken.

Can I share points with family members? All credit cards within an account automatically earn points together. All debit cards within an account automatically earn points together. Additionally, if you have multiple debit or credit card with Synergy FCU, you can link them together in a household account to earn rewards points faster.

How do I link my debit card and reward credit card together? Enroll in UChoose Rewards with your debit card number, creating a username and password.  Enroll in UChoose Rewards with your Rewards credit card, creating a different username and password. Once both are enrolled, sign in to either and click on Preferences, scroll to the bottom and find the section Link Another Account to Your Program.

How much does it cost to participate? There’s no cost to participate. Membership in UChoose Rewards® is free. Visit to start monitoring your points and browsing our online catalog.

How do I get help with UChoose Rewards? Use the Contact Us button to email your message or call the UChoose Rewards help desk at (844) 617-6999.

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