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Home > Products & Services > Cards & Services > uChoose Rewards

uChoose Rewards®

Woman drinking coffee and using a computerThe uChoose Rewards program is a valuable points-earning benefit for Signature Rewards Visa credit card holders. Earn points on qualified purchases and earn additional points when you shop, both in-store and online, with participating retailers*.

Earn and redeem as many points as you like; there’s no limit! Points are redeemable for thousands of rewards, from cruises and airline tickets to high-definition TVs. 

*Refer to the Terms and Conditions for complete details.  

Register your card

  1. Log into VyStar Internet Banking.
  2. Select the “Settings/Service” from the menu at the top right of the screen. 
  3. Click “uChoose Rewards.”
  4. Click “Enter,” then “Register.”

Note: If you have never used Internet Banking, enroll today by clicking here. For assistance, please call 904-777-6000 or 800-445-6289, option 1.

Track and redeem your points

To view your points, balance and redeem points, access the uChoose Rewards site:

  • Via VyStar Internet Banking, select "Settings/Service" at the top right, and uChoose Rewards for your rewards credit card. 

You may set up a wish list that will let you know when you've saved up enough points for a specific item. You can also sign up for quarterly points updates via email.

uChoose Rewards Mall

You already earn rich uChoose Rewards when you use your VyStar Visa Signature Rewards credit card. Did you know you can earn additional rewards points on your purchases? Now you can through the uChoose Mall! You can earn additional rewards when you shop at participating retailers. Visit the uChoose Rewards Mall today to learn more. Simply log in to your Internet Banking account, click on “Settings/Service” page and select “uChoose Rewards.” Then, click on “Earn Points” to get even more rewards by shopping at hundreds of your favorite brand-name retailers.

Donate your points to a charity!

You can now donate your uChoose Rewards points to a nonprofit organization. In just a few steps, you can use your points to make a meaningful contribution that will help make our community a little brighter. It may feel like an indirect act of kindness, but it will directly benefit people in local charities.

Donors have the option to use their points to purchase a digital or physical gift card. If you opt for digital, you will instantly receive an electronic card via email. A physical gift card would arrive in the mail in around seven business days and resemble a credit card. You would then use that card to apply your donation through the CharityChoice website.

To donate your uChoose Rewards points to a charitable cause, follow the instructions below.

  1. Log in to Internet Banking.
  2. Click “Settings/Service” in the top right corner.
  3. Click “uChoose Rewards.”
  4. Select your account and click “Continue” to be taken to the uChoose website.
  5. Click “Redeem Points,” and select “Gift Cards.”
  6. Select “Charitable Organizations” under the Browse Categories dropdown menu.
  7. Click “CharityChoice,” select a gift card amount/type, and click “Add to Cart.”
  8. Complete the transaction to receive a physical or electronic gift card containing your redemption/card code.
  9. Visit the CharityChoice website and type your card code into the redemption box at the top.
  10. Select a nonprofit organization from the list and designate your donation.

Frequently Asked Questions

Click through the list of frequently asked questions below to learn more about the uChoose Rewards program.

What is the uChoose Rewards program?

uChoose Rewards is a program that allows you to earn rewards points whenever you make qualified purchases with your VyStar Signature Rewards Visa credit card. You can also earn extra points when you shop, both in-store and online, with participating retailers.

There is no limit to how many points you can earn or redeem. You can redeem your points for thousands of rewards, such as cruises, airline tickets, high-definition TVs and more.

How can I participate in the uChoose Rewards program?

Any VyStar member that has a VyStar Signature Rewards Visa credit card is eligible to participate in the uChoose Rewards program. For more information about how you can get your own VyStar Signature Rewards Visa credit card, please visit the Cards & Services page of our website. You can also speak with a VyStar representative by calling our Contact Center at (904) 777-6000 or toll-free at 1 (800) 445-6289, option 9.

How do I earn uChoose Rewards points?

You can earn points whenever you make qualified purchases anywhere your VyStar Signature Rewards Visa credit card is accepted. With your VyStar Signature Rewards Visa credit card, you earn 3 points per $1 spent on gas, 2 points per $1 spent groceries, and 1 point per $1 spent on all other qualified purchases.

You can also earn bonus points for shopping at participating retailers. To view a complete list of participating local and national retailers, simply log in to your VyStar Internet Banking account, click on the “Setting/Service” page and select “uChoose Rewards” under the “Additional Services” section. (NOTE: If a retailer offers bonus points for shopping on their website, you must access their website through the uChoose Rewards website (accessible through VyStar Internet Banking) in order to earn the bonus points.)

What can I redeem my points for?

Just like the program name says, you choose what you want to redeem your points for. There are thousands of options, including products, services, event tickets, activities, travel experiences and much more. You must have a minimum point balance of 1,200 to begin redeeming.

How do I know how many points I’ve earned?

All of your points are tracked on the uChoose Rewards website (accessible through VyStar’s Internet Banking). Simply log in to your account whenever you would like to view the total amount of points you’ve earned so far.

How long does it take for my earned uChoose Rewards points to appear on my account?

Points for the previous month’s purchase activity are available on the first business day of the following month.

When can I start redeeming my points?

You can start redeeming your points as soon as you have earned a minimum of 1,200 points. If you have earned less than 1,200 points and attempt to redeem your points, you will receive a notification saying that you are not able to complete the reward redemption.

How do I redeem my points?

You can redeem your points online by logging in to your VyStar Internet Banking account and accessing uChoose Rewards by clicking on the “Setting/Service” page and selecting “uChoose Rewards” under the “Additional Services” section.

Do my rewards points expire?

No, your uChoose Rewards points do not expire.

How do I redeem my rewards points for travel?

Click here for detailed step-by-step instructions on redeeming your points for travel and other rewards.

If you are unable to find what you’re looking for through uChoose Rewards, you may receive reimbursement for travel purchases made using your VyStar credit card. Your points can be cashed out and applied to your account at a rate of $0.01 per point up to the amount spent on your travel purchase. This offer is good for travel purchases only (i.e., hotel, airfare, car rentals and cruises). You must contact us within 90 days of the purchase to cash out your points. To take advantage of this offer, contact a VyStar representative at (904) 777-6000 or 1 (800) 445-6289, option 9.

What happens to my points in the event that my card is lost or stolen?

If your card has been lost or stolen, you will be issued a replacement card and your points will be automatically transferred to your new card. Once you receive your new card, you will have to re-register your new card in uChoose Rewards, which is accessible via VyStar’s Internet Banking.

Is there a cost or fee to participate in the uChoose Rewards program?

No. VyStar members with a VyStar Signature Rewards Visa credit card can participate in the uChoose Rewards program for free.

Do I have to participate in the uChoose Rewards program?

No. You can opt out of the program at any time by calling VyStar at (904) 777-6000 or toll-free at 1 (800) 445-6289, option 9.

Whom do I contact if I have questions about uChoose Rewards?

Please contact VyStar at (904) 777-6000 or toll-free at 1 (800) 445-6289, option 9.

Cards & Services
  • Credit Cards
  • Debit Cards
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  • Visa Reloadable Prepaid Cards
  • Gift Cards
  • uChoose Rewards
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  • EMV Chip Card Technology
  • Visa® Account Updater
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VyStar Credit Union
P.O. Box 45085
Jacksonville FL 32232
904-777-6000 or 800-445-6289
Routing Number 263079276

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