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Visa With Rewards

Platinum and Signature Visa Credit CardsThe APCO Employees Credit Union credit card program includes enhanced rewards options, an online site to view your account, instant card re-issue, and electronic statement availability.

Enhanced Rewards: Every time you make a purchase with your card, you’ll earn 1.75% on every $1.00 you spend. Plus, you can earn additional points by shopping in-store or online with participating retailers.

24/7 Cardholder Service: Call 888-999-0127 for Visa Platinum balance inquiries, payment information, transaction history, statement requests or to dispute a charge, inside the U.S. For international service, please call 531-233-6346. Call 888-999-1136 for Visa Signature balance inquiries, payment information, transaction history, statement requests or to dispute a charge, inside the U.S. For international service, please call 531-233-6364.

eCS Customer Service: eCS offers real-time credit card information, including transactions, pending activity, payment information and custom email alerts. Plus, you are able to sign up for electronic statements when you log into your account through your Credit Union’s online banking at apcocu.org.

For security reasons, each secondary cardholder will has an individual card number, CVV number, and expiration date.

If you plan to use your card at any ATM or for a cash advance, you will be required to use a PIN. You can select your unique PIN during the activation of the card or call at a later time to select your PIN.

If you have automatic payments made with your current credit card, make sure to contact each vendor with your new updated credit card number to help avoid any interruption in your service.

If you have any additional questions or inquiries, please call us at 205-226-6800 or 1-800-249-2726.

Visa Rewards Program

Your Visa Rewards credit card comes with uChoose Rewards. uChoose Rewards allows you to redeem points on your credit card purchases to use toward shopping, travel, event tickets, gift cards and more. Some important information about the transition of the rewards program:

To register your card or to monitor and redeem your uChoose Rewards points, visit uchooserewards.com or click the eCS and uChoose Rewards link inside of your Credit Union’s online banking.

If you do not have a Visa Rewards Card, click here for information and an application.


FREQUENTLY ASKED QUESTIONS

What is EMV?
EMV stands for Europay, Mastercard® and Visa®. EMV chip technology is becoming the global standard for credit card and debit card payments. This smart chip technology features credit cards with embedded chips that will help increase security and reduce fraud. This standard has many names worldwide and may also be referred to as: “chip and signature.”

Will all merchants be able to accept my EMV (chip) credit card?
Yes. Your card may be used everywhere Visa is accepted.

My spouse and I both have APCO Employees Credit Union credit cards, and I only received one card. Will my spouse receive a card?
Yes. As a security feature, all cards being issued with this conversion will have a unique number and will arrive separately. However, you will continue to receive only one bill, regardless of the number of cards on the account.

What is uChoose Rewards?
uChoose Rewards is a program that earns you points for using your APCO Employees Credit Union credit card. All APCO Employees Credit Union Visa credit cards with rewards are automatically enrolled in the program.

Do I need to register my credit card before I can start earning points?
No, you will start earning points the first time you make a transaction with your new credit card; however, you will need to register your card before you will be able to redeem your points. To register your card, visit uchooserewards.com and click the Register link, or click the eCS and uChoose Rewards link inside of your Credit Union’s online banking.

How do I register my card?
Please visit uchooserewards.com. 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 username and password. Follow the instructions as provided. You may also click the eCS and uChoose Rewards link inside of your Credit Union’s online banking.

How do I start earning points?
Every time you make a purchase with your card, you’ll earn 1.75% on every $1.00 you spend. Plus, you can earn additional points by shopping in-store or online with participating retailers. Rewards do not apply for cash advances or balance transfers.

Where can I earn points?
You earn points everywhere your APCO Employees Credit Union Visa credit card 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 uchooserewards.com.

Where can I view my point activity?
You can access the history of your point activity through uchooserewards.com. You may also log-in by clicking the eCS and uChoose Rewards link inside your Credit Union’s online banking.

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 uchooserewards.com.

There 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.

How much does it cost to participate?
There’s no cost to participate. Membership in uChoose Rewards® is free as part of your APCO Employees Credit Union credit card plan. Visit uchooserewards.com to start monitoring your points and browsing our online catalog.