UChoose Rewards^®

UChoose Rewards is a program that allows you to earn rewards points whenever you make qualified purchases with your VyStar Visa Check Card or 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.

Any VyStar member that has a VyStar Visa Check Card or Signature Rewards Visa credit card is eligible to participate in the UChoose Rewards program. For VyStar Check Card holders, you must register your card before you begin earning points. For more information about how you can get your own VyStar Visa Check Card or 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 Call Center at (904) 777-6000 or toll-free at 1 (800) 445-6289, option 9.

You can earn points whenever you make qualified purchases anywhere your VyStar Visa Check Card (you must choose credit at checkout) or Signature Rewards Visa credit card is accepted. (Check cards must be registered before they begin earning points.) With your VyStar Visa Signature Rewards Plus 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. With your VyStar Visa Check Card, you earn one point for every $5 you spend. 

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.)

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 1,500 to begin redeeming.

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.

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

You can start redeeming your points as soon as you have earned a minimum of 1,500 points. If you have earned less than 1,500 points and attempt to redeem your points, you will receive a notification saying that you are not able to complete the reward redemption.

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.

No, your UChoose Rewards points do not expire.

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

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 or debit 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.

You cannot purchase additional points if you have not yet accrued 1,500 or more points. Once you have accumulated 1,500 rewards points, then you have the option to purchase more points in order to cover the difference for an item you’d like to redeem your points for.

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.

No. VyStar members with a VyStar Visa Check Card or Signature Rewards Visa credit card can participate in the UChoose Rewards program for free.

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.

For questions related to UChoose Rewards, please contact a VyStar Call Center representative. You can reach them directly by phone at (904) 777-6000 or toll-free at 1 (800) 445-6289, option 9.