Credit Card Rewards

Earn points for every dollar you spend. With a Signature Rewards Visa® credit card, you can earn points and redeem them the way you choose, with thousands of options from our free uChoose Rewards program.

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Choose your own rewards

  • Earn and redeem as many points as you like — there’s no limit.

  • Redeem your points for thousands of rewards, from cruises and airline tickets to high-definition TVs.

  • Earn additional points when you shop with participating retailers.

  • Donate points to local nonprofit organizations.

  • There are no additional fees to participate.

More Rewards

Getting Started with Credit Card Rewards

1

Apply for Your Credit Card

Apply for a Signature Rewards Visa® online, call us at 800-445-6289 or visit any VyStar branch.

2

Register Your Card

Once you have your card, register for uChoose Rewards® through online or mobile banking.

3

Start Earning Points

Earn points with your first qualified purchase.

Credit Card Payoff Calculator

Use this calculator to see what it will take to pay off your credit card balance and what you can change to meet your repayment goals.

Credit Card Rewards FAQs

How do I earn points?

You can earn points whenever you make qualified purchases. You earn 3 points for every $1 spent on gas, 2 points for every $1 spent groceries, and 1 point for every $1 spent on all other qualified purchases.

You can also earn bonus points for shopping at participating retailers. When shopping online, check the Rewards Center in VyStar online banking to view participating retailers and access their websites.

Can I get rewards points with other VyStar credit cards?

No, the VyStar Signature Rewards Visa is the only card that offers rewards points. Other VyStar cards offer cash back purchase rewards and other benefits.

Do my rewards points expire?

No, your rewards points never expire.

When can I start redeeming my points?

You can start redeeming your rewards as soon as you have earned 1,200 points.

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Related Tools & Resources

Credit Card Rates

With a VyStar Visa® credit card there are no transaction fees and no fine print surprises. View our current rates.

Credit Cards

Whether you’re looking for a low rate, great rewards, cash back or a way to establish or rebuild your credit, we have a card for you.

Get Your Free Credit Report

Your credit score can impact your finances — and your lifestyle. Get a free copy of your credit report to check for errors and prevent problems.

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