ScoreCard Rewards

ScoreCard Rewards is a rewards program offering Points for qualifying purchases with a Cash Back Rewards or Visa® Secured Credit Card.

Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages and more (each, an “award”).1

Use your Cash Back Rewards how you like:

  • Deposit into your checking account
  • Have your rewards go towards your next credit card bill
  • Redeem for a wide variety of gift cards
  • Book your next flight

General Program Q&A

  • On your first visit to the site, you will need to set up your profile with a username and password. You will also be asked to set up some security questions and answers for password retrieval. Once you create your profile, you will log in with your username and password. You can also access ScoreCard Rewards through a single-sign-on when viewing your credit card on the eZCard site. You may browse the rewards site by clicking on the “Browse Catalog” link from the login page. Point balance and redemption capabilities are not available in the browse feature of the site.

  • Point balances are always available on or you may call Award Headquarters at 800.854.0790 to verify your balance.

  • Simply use your ScoreCard Rewards participating card, each a “rewards card,” for your purchases. You will earn Points based on your qualifying net purchases (purchases minus returns and/or other related credits). You will earn Points as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). You do not earn Points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Credits to your Account (such as for returns of purchases) will reduce the Points available in your account.

  • No. A sufficient number of Points must be available in your account to redeem the award you want. Points are not available for purchase.

  • You may order awards anytime during the Program as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding) and you have enough Points to redeem the requested award.

  • For merchandise awards, you can order merchandise awards using the online shopping feature at You can also call customer service at 800.854.0790. You may also print an order form from Simply complete the form, including all information requested, and mail to the address printed on the form. Travel awards, airline tickets, vacation packages and cruises may be ordered by calling and speaking with a Travel Services Representative. You may also use the online travel booking site to obtain select air awards. In addition, you may purchase additional airline tickets and make car and hotel reservations online. If you prefer, Travel Services Representatives can assist with booking both purchased as well as redeemed awards travel items.

  • Call Award Headquarters at 800.854.0790.

Merchandise Awards Q&A

  • We cannot guarantee that items will be shipped together. You may receive several shipments to complete your order.

  • Sometimes ordered items are on backorder with the manufacturer. If the backorder is for a short period, such as for no more than a couple of weeks, we will notify you of your backorder status and ship the item once it is again available to us. If the backorder status is going to be longer, we may contact you to allow you to select an alternate award or you may elect to cancel your order and have the Points added back to your rewards account.

  • Generally, merchandise awards will be shipped from Award Headquarters via a parcel delivery service or by the U.S. Postal Service and should arrive no more than four-six weeks after your order is received. Some items may be shipped directly from the manufacturer. You will be notified if there is a delay in filling your order. Please note that shipments cannot be made to a post office box or outside the United States and eligible territories. If you have an APO address, please contact ScoreCard Award Headquarters for details regarding merchandise options and shipments before ordering.

  • Please check your packages closely for any apparent damage before signing to accept a package. If there is damage, please write a note on the delivery receipt before signing to accept the package. If after you open the package you find the merchandise is damaged, please follow the directions on the packing slip included with your shipment and notify Award Headquarters. You will be given instructions and a return authorization number to return the merchandise for replacement. Merchandise that is received damaged or defective may be returned within 30 days of receipt for replacement. Please refer to your Terms, Conditions and Program Rules for additional requirements.

  • Most merchandise is covered by a manufacturer’s warranty. Please retain your packing slip as proof of purchase. For extended warranties or product specific inquiries or repair, you may call the manufacturer directly.

  • The ScoreCard Rewards Program has a complete list at

Travel Awards Q&A

  • Travel Services agents are available Monday – Sunday: 8:00 a.m. – 12:00 a.m. EST to book your travel arrangements.

  • Yes, your travel can be booked online. You can book online at In addition, you can purchase airline tickets and hotel/car reservations.

  • The actual number of Points required will be based on your travel dates, origin and destination cities, airline, availability and how far in advance you are making your reservations. The good news is you are in control and the choice is yours!

  • Yes! We want to make sure your next trip is within reach, which is why we’ve added the flexibility of allowing you to redeem the Points you do have and pay the difference via your ScoreCard or another payment card.

  • This new program allows you to fly from virtually anywhere to virtually anywhere in the world!

  • You can now make reservations as close as one day prior to your actual departure date. We recommend you plan your travel at least 14 to 21 days in advance for the best availability, however you are no longer limited to a 30-day advance requirement.

  • The actual Points required for your travel is dependent upon the specific itinerary you select. You can check point requirements via the online redemption site.

    Note: Points required for travel may change, and are not final until travel is redeemed for.

  • Changes and cancellations can be made only if the supplier and specific air ticket rules permit the modifications. A $40 per ticket service fee will be charged by the travel supplier for all exchanges, modifications, or cancellations in addition to any applicable airline penalties and/or fare difference.

  • Yes you can. If you are planning to book a flight or another component to go along with your cruise, you must book the cruise as a separate order from any other travel component you wish to redeem for on the catalog.

  • You must contact the Travel Rewards Center for all modification and cancellation requests as the policies are different for each travel award.

  • Yes. Travel Services can assist in booking your purchase travel needs and you can also purchase online.

  • The booking fees are included in the total number of points required for the travel redemption so you can use your points and you don’t have to pay the booking fees out of pocket. Please note the point requirement differs between online and travel agent assisted booking due to a higher fee charged for the agent assistance.

Cash Back Rewards are the rewards earned under the ScoreCard Rewards program. They are tracked as points and for each $1 spent on a net purchase, one (1) Cash Back Reward point is earned, which qualifies for $0.01 for redemption. Consumer credit cards: 3% Cash Back Rewards are earned for each $1 spent on the first $20,000 combined net spend annually between gas and groceries. Spend over this amount will receive 1% Cash Back Rewards on net purchases. Small business credit cards: 5% Cash Back Rewards are earned for each $1 spent on the first $10,000 net spend annually at office supply stores; 2% Cash Back Rewards are earned for each $1 spent on the first $20,000 combined net spend annually between restaurants and gas. Spend over this amount will receive 1% Cash Back Rewards on net purchases. Points can be redeemed for a credit to your credit card account or deposit account held at a domestic United States Financial Institution. Minimum point redemption amount applies. You earn Cash Back Rewards on all qualifying net purchases. The following do not earn points: balance transfers, cash advances, convenience checks, fees, interest, ATM withdrawals and payments. Your account must be in good standing to earn and redeem points. Points expire if not redeemed within three (3) years. Terms and conditions apply to awards purchased with points. Certain restrictions and fees apply to travel awards. Review the program’s terms and conditions at or call ScoreCard Customer Service at 1-800-854-0790. The program’s rules can change at any time without notice. Void where prohibited or restricted by law. Visa is a registered trademark of Visa, U.S.A., Inc.

Credit Cards are issued and serviced by HTLF Bank d/b/a HTLF Bank Card Services. Normal underwriting guidelines apply.