Visa Rewards

What is uChoose Rewards?

uChoose is a credit card rewards program where you earn points for using your Visa^® Platinum Rewards card.

With uChoose Rewards you can:

Redeem your points through a large online catalogue that includes items like electronics, airline tickets, kitchen appliances, and more.
Use your points to cover your purchases when you shop on Amazon.
Lower your interest rate on your next loan.

How does it work?

Earn 1 Point for every $1 you spend.
Save while you spend with low monthly interest rates and no annual fees.
Experience quick and convenient check outs when you add your card to your mobile wallet.

Access your uChoose Rewards account by visiting the Card Management tool in the HRCU Mobile App or Online Banking.

Loan Rate Buy Down Offer

Experience this exclusive offer: A lower interest rate on your next loan!

Now you can use your Visa^® Rewards points to buy down a lower interest rate on your next loan. Enjoy a lower rate - and bigger savings - just by using the points you've earned. Schedule an appointment or reach out to Member Support to get started.

Available for auto, personal, boat, RV, or toy loans.
For new and existing loans.

Schedule a Visit Contact Member Support

*uChoose Rewards Rate Buy Down is available to HRCU Visa Rewards Credit Card holders who have a new or existing fixed rate consumer auto loan or personal loan. The following loan types are not eligible for a rate buy down: Business Loans, Real Estate Loans, Personal Lines of Credit, and Credit Cards. Eligible Visa Rewards Credit Card holders may use their available uChoose Reward points to buy down the rate of their new or existing eligible consumer loan by a maximum of 0.25% during the life of the eligible loan. To qualify, the available uChoose Reward points balance must be equal to or greater than half (1/2) of the eligible loan balance. For example, an eligible loan with a rate of 5.99% and a balance of $30,000.00 would require 15,000 available uChoose Reward points to buy down the existing rate by 0.25%, making the new rate 5.74% for the remaining term of the loan. The uChoose Rewards Rate Buy Down program is not available on promotional loan rates. HRCU reserves the right to adjust or end this program at any time. For additional information, please contact HRCU at 877-895-6840.

Example: $30,000 loan will cost 15,000 points to buy down the rate by .25%.

Special Rewards Promotion

Reward yourself with this great offer:

From now until the end of December, every swipe with your Visa^® Rewards card earns you 3X the reward points.*

Make the most of your spending by using your Visa Rewards^® card at checkout.

Questions? Call our Member Support or click the Live Chat button on the corner of your screen.

Have a Visa^® Platinum Card but aren't earning rewards?

You can upgrade your card without any application or credit check. Call our Member Support or click the Live Chat button to start rewarding yourself.

*Purchases made between 10/1/24 and 12/31/24 will earn three (3) times the standard uChoose Rewards points per dollar spent. Maximum earned bonus points during promotional period is 7,500 uChoose Reward Points. Once the 7,500 bonus points maximum is reached all other purchases during that promotional period will earn uChoose Rewards at the standard non-promotional rate of one (1) point per dollar spent. Applicable for Personal HRCU Visa Platinum Rewards Credit Card and HRCU Visa Platinum Business Credit Card. Includes online and instore purchases.

Pay with Points on Amazon

Now, it's easier than ever to shop for millions of items at Amazon.com.

Just use your Visa^® Platinum Rewards card at checkout to cover all or a portion off your purchase.

It's easy to get yourself set up:

Use this link to login to your Amazon Account.
Click "Enroll a new rewards account" and enter your Visa Platinum Rewards card information.
Click "Add your card" and enjoy your new Amazon shopping experience.

Read our Pay with Points FAQ to learn more.

Questions? Call our Member Support or click the Let's Chat button.

Online & Mobile Banking

Access your funds or make your Visa® payment with our safe and secure remote banking services anywhere, anytime.

Learn MoreAbout Online and Mobile Banking