Rewards Program Rules & Frequently Asked Questions
BankMobile Credit Rewards powered by ScoreCard®
Rewards Program Rules
As provided in these BankMobile Credit Rewards powered by ScoreCard® Bonus Point Program Rules (“Rules”), account holders (“You” or “Your”) earn one (1) Bonus Point (“Point(s)”) in the BankMobile Credit Rewards powered by ScoreCard Program (“Program”) for every $1 dollar of a qualifying credit card purchase. A qualifying purchase (“Qualifying Transaction”) shall mean: (i) a transaction that is charged to an eligible credit card account covered by the Program (“Account”), and (ii) a transaction that appears on your credit card statement during the Program period. Points are deducted for returns. No Points are earned for finance charges, fees, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to Your Account. Contact Your Account’s financial institution (“Sponsor”) for full details on the Program period dates during which You are eligible to earn Points. Cardholders that wish to opt out of the rewards program can do so by contacting their financial institution and submitting a request for processing.
Points can be used to order only the awards (“Award(s)”) available in the current Program. You may select Awards from any level, as long as You have a sufficient number of Points available in Your Account as of the date Your redemption is processed. Point requirements assigned to any Award are subject to change from time to time without notice, and Awards may be substituted at any time. Should an Award be discontinued, it will be replaced with an Award of equal or greater value or, if no suitable substitute is available, You will be advised to make an alternative selection or Your Points may be returned to Your Account.
Your merchandise Award will usually be delivered by a commercial delivery service or the U.S. Postal Service within 4-6 weeks of processing Your order. Shipments cannot be made to a post office box. If You have an APO, U.S. eligible territory or international address, please contact ScoreCard Award Headquarters for details regarding merchandise options and shipments before ordering.
Note any damages or shortages on the delivery receipt before signing to accept delivery from the carrier. An Award received damaged or defective may be returned to the shipper for replacement within thirty (30) days of delivery. All parts, instructions, warranty cards and original packaging materials must be returned with the Award.
Applicable manufacturers’ or providers’ warranties, if any, will be included with Your Award. Warranty claims must be directed to the manufacturer or provider, as applicable. SPONSOR, ANY THIRD PARTY UTILIZED BY SPONSOR TO ADMINISTER THE PROGRAM (“Program Administrator”) AND THEIR AFFILIATES, AND ANY ASSOCIATION OR ORGANIZATION OF WHICH YOUR SPONSOR IS A MEMBER IN CONNECTION WITH THE PROGRAM (“ASSOCIATION”) MAKE NO AWARD, PRODUCT, OR MERCHANDISE REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, AND DISCLAIM ANY AND ALL LIABILITY AS TO THE CONDITION, QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF AWARDS, PRODUCTS, MERCHANDISE AND/OR SERVICES PROVIDED THROUGH THIS PROGRAM. THE PROGRAM ADMINISTRATOR AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DEFECTS IN AWARDS OR DAMAGES RESULTING FROM USE OF ANY AWARDS PROVIDED THROUGH THE PROGRAM.
Points have no cash value. Points cannot be exchanged for cash or credit; used with any other offer, promotion or discount; combined with cash to obtain any Awards; or, earned from or transferred to any other credit and/ or debit card, account or rewards program, unless otherwise specified. Note: For the BankMobile Credit Rewards Program, points can be redeemed for a statement credit or an ACH deposit to your bank account based on the reward increments available ($25, $50, $75, $100) in the BankMobile Credit Rewards Program.
Your BankMobile Credit Rewards Powered by ScoreCard earnings statement will normally include the number of Points earned, subject to adjustment as provided for in these Rules. In the event You redeem unearned Points, Your Account may be charged for the actual cash difference between the cost of the Award redeemed and the net value of the actual Points available.
Your Account must be open and in good standing (i.e., not cancelled, terminated by either party or otherwise not available for Your use as a payment method) at the time Your order is received for processing. Sponsor reserves the right to suspend Your participation in the Program until the Account is in good standing.
Despite the Program’s best efforts to ensure accuracy, printing and Web site errors may occasionally occur. The Program Administrator reserves the right to correct such errors at any time.
The Program may be modified, suspended or cancelled, and the redemption value of already accumulated Points may be changed, at any time without notice and without restriction or penalty. Changes to the Program may include, but are not limited to, modifications that affect Point accrual and/or expire Points based on the Point term, age and expiration date of the selected options(s). Award orders must be received on or before the Program end and/or Point expiration date. Contact Your Sponsor for details on any current promotions affecting Point accrual or redemption options. Points may be forfeited due to Rules violations. This Program is void where prohibited or restricted by law. You are responsible for any applicable federal, state or local taxes.
You agree to hold the Program Administrator and its affiliates, any Association and any vendors or other providers associated with the Program harmless if Your Sponsor fails to meet its contractual or other obligations, resulting in Program interruption or termination prior to Your redemption of Points or receiving Your Awards. You also agree to hold the Program Administrator and its affiliates, Sponsor and Association harmless if a Program vendor or provider files for bankruptcy, or otherwise goes out of business after You have redeemed Your Points for an Award from the vendor or provider but before You receive or use the Award.
Certain restrictions may apply to travel certificates, tickets and documents. Travel and other certificates are not exchangeable, refundable, transferrable or redeemable for cash. All travel certificates, tickets and documents will be mailed first class U.S. Mail and will not be replaced in the event of loss, destruction or theft. Your Award will usually be delivered within 4-6 weeks of processing Your order but is not guaranteed. You may request travel certificates, tickets and documents to be delivered by overnight carrier and agree to pay any associated additional deliver y fees before shipment. You are responsible for any airline security fees and any surcharges or additional fees that may be imposed by the airlines or aviation authority and You must pay them by permissible credit and/or debit card at the time of the reservation booking. See the Program Web site for specific travel Award terms and conditions.
The Rules are subject to change at any time without notice. The most current version of these Rules is available on the Program Web site. Some Sponsors may choose to add additional local rules and opportunities. Please ask Your Sponsor to see if such local rules are applicable to Your participation in the Program.
The Program Administrator shall resolve all questions of what constitutes a Qualifying Transaction. All such resolutions or determinations by the Program Administrator are final. The use of Your Account following receipt of these Rules will indicate Your agreement to these Rules.
If the Rewards Customer elects to link his or her ScoreCard Program participating Payment Card and Driver Rewards account, the accounts will be linked for future Reward Transactions and that Rewards Customer will not have the option to opt-out of combining his/her points balance at the time of each corresponding Reward Transaction.
ScoreMore Program Rules
Unless otherwise indicated, all ScoreCard Bonus Point Program Rules apply.
You may earn additional Points for eligible purchases (“Qualifying ScoreMore Transactions”) made at participating retailers in ScoreCard’s ScoreMore program (“Retailers”).
A Qualifying ScoreMore Transaction shall mean: 1) a purchase transaction made with Your Account; 2) a transaction that takes place at eligible, participating Retailer locations (“In-store Purchases”) or through eligible links to participating Retailer websites accessed via the ScoreMore link on www.scorecardrewards.com (“Online Purchases”); 3) a transaction that meets Retailer qualifications as disclosed in the Retailer Offer (“Retailer Offer(s)”) on the ScoreMore web pages. PIN purchases do not qualify for ScoreMore Point earnings. Only signature transactions qualify for ScoreMore Point earnings when made with Your participating Account.
ScoreMore Points for qualifying In-store Purchases are typically awarded within seven (7) days of transaction posting; Points for Online Purchases are typically awarded within thirty (30) days of transaction posting. Awarding of Points for some Retailer Offers may require additional processing time. Points for Travel Retailer Offers are awarded when travel is completed.
Retailers and Retailer Offers are subject to cancellation, removal, or change at any time, without notice, even if such a change impacts Your ability to qualify for Point earnings. Awarding of Points for Qualifying ScoreMore Transactions is subject to the continuing participation of Retailers, and is subject to change at any time, without notice to You.
You may access details of Retailer Offers on the ScoreMore link via www.scorecardrewards.com.
Online purchases may be considered eligible for Point earnings only when the Retailer site is accessed via the link displayed on ScoreMore, accessed through www.scorecardrewards.com. Online purchases made by directly navigating to the Retailer site are not considered Qualifying ScoreMore Transactions and do not qualify for ScoreMore Point earnings.
Taxes, fees, and shipping/handling charges may not be considered part of a Qualifying ScoreMore Transaction and, therefore, may not earn Points.
No other offers, coupons or discount codes, other than those offered by ScoreMore, may be used in conjunction with a Qualified ScoreMore Transaction.
Once awarded, ScoreMore Points are automatically added to Your ScoreCard Points balance and subject to the ScoreCard Bonus Point Program Rules and redemption options as outlined on www.scorecardrewards.com.
Returns are subject to the return policy of the Retailer from which You made Your purchase. If you return or cancel an item, Points are also reversed from that sale. To ensure continued eligibility for Point earnings, return Your purchase with the Retailer and then make a new Qualifying Transaction through the ScoreMore network.
Exchanges also make purchases ineligible for Points, as when merchandise is exchanged, the merchant cancels the order and replaces it with a new one. To ensure continued eligibility for Point earnings, return Your purchase with the Retailer and then make a new Qualifying Transaction through the ScoreMore network.
Please contact Award Headquarters if You do not receive Your Points for a Qualifying ScoreMore Transaction within thirty (30) days. Any ability to claim non-receipt of Points for a Qualifying ScoreMore Transaction is considered waived by You if not received by Award Headquarters within ninety (90) days.
Rewards Program Frequently Asked Questions
General Program
Q: What is BankMobile Credit Rewards Program powered by ScoreCard? A: BankMobile Credit Rewards powered by ScoreCard is a rewards program offering points for qualifying purchases. Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages, gift cards, cash (in the form of statement credit or an electronic credit (ACH) to a bank account at a bank located in the Continental United States and more (each, an “award”). Full details can be found in the “BankMobile Credit Rewards powered by Scorecard Bonus Point Program Rules” document.
Q: How do I log into the BankMobile Credit Rewards powered by ScoreCard website? A: On your first visit to www.scorecardrewards.com, 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.
Q: How many points do I earn? A: As per the BankMobile Credit Rewards powered by ScoreCard Bonus Point Program Rules (“Rules”), account holders (“You” or “Your”) earn one (1) Bonus Point (“Point(s)”) in the BankMobile Credit Rewards powered by ScoreCard Program (“Program”) for every $1 dollar of a qualifying credit card purchase. A qualifying purchase (“Qualifying Transaction”) shall mean: (i) a transaction that is charged to an eligible credit card account covered by the Program (“Account”), and (ii) a transaction that appears on your statement during the Program period. Points are deducted for returns. No points are earned for finance charges, fees, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to your account.
Q: Can points be combined with other members in the same household? A: BankMobile Credit Rewards Program powered by ScoreCard offers an optional Householding Program that enables cardholders to combine their ScoreCard Bonus Points from multiple card accounts (currently only BankMobile credit cards participate in ScoreCard Householding) into one Household (earnings pool); thus, providing them the opportunity to earn rewards faster and reach higher award levels, while encouraging usage of multiple card accounts with their financial institution. See Householding Program FAQs and Terms and Conditions for more information
Q: How do I know how many points I have? A: Point balances are available on www.scorecardrewards.com or you may contact Award Headquarters at (800) 854-0790 to verify your point balance.
Q: How many points do I earn? A: As per the BankMobile Credit Rewards powered by ScoreCard Bonus Point Program Rules (“Rules”), account holders (“You” or “Your”) earn one (1) Bonus Point (“Point(s)”) in the BankMobile Credit Rewards powered by ScoreCard Program (“Program”) for every $1 dollar of a qualifying credit card purchase. A qualifying purchase (“Qualifying Transaction”) shall mean: (i) a transaction that is charged to an eligible credit card account covered by the Program (“Account”), and (ii) a transaction that appears on your statement during the Program period. Points are deducted for returns. No points are earned for finance charges, fees, cash advances, convenience checks, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to your account.
Q: How do I earn points? A: Simply use your BankMobile Credit Rewards powered by ScoreCard participating card for your purchases. You will earn points based on your qualifying net purchases (total 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.
Q: If I choose to redeem points for an ACH credit to a bank account, may I send the funds to any account at any bank? A: ACH transfers must be sent to an account at a bank located in the Continental United States. You will be required to provide the routing number and account number. The account can be in your name or belong to someone else.
Q: Do points expire and how will I know? A: Rewards Points have a sixty (60) month expiration. Cardholders will receive notifications of expiring points on their BankMobile Credit Card statements and BankMobile Credit Rewards e-statement twelve (12) months prior to expiration. This information is also viewable on the BankMobile Credit Rewards powered by ScoreCard website.
Q: If I don’t have enough points for the award I want, can I buy the extra points I need? A: No. A sufficient number of points must be available in your account to redeem the award you want. Points are not available for purchase.
Q: When can I order awards? A: You may order awards at any time 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.
Q: Can I redeem points on an account after it is closed? A: Points earned will be forfeited after an account has been closed and the cardholder will no longer be allowed to make redemptions on the remaining points. Cardholders have the option to transfer their points to a new BankMobile Rewards Credit Card account within 180 days of account closure if you qualify.
Q: How do I order awards? A: You can order merchandise awards using the online shopping feature at www.scorecardrewards.com. You can also contact Awards Headquarters at (800) 854-0790. You may also print an order form from www.scorecardrewards.com. 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 contacting 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. A Travel Services Representative can be reached at (855) 483-5005, 7 days a week between the hours of 8:00am and 12:00am EST. Additional fees may apply.
Q: Whom should I contact if I have questions regarding redeeming points under the BankMobile Credit Rewards powered by ScoreCard Rewards Program? A: For questions regarding redeeming points under the BankMobile Credit Rewards powered by ScoreCard Rewards Program, please contact Award Headquarters at (800) 854-0790 for assistance. Support is provided by Award Headquarters 24 hours daily except on major holidays when Award Headquarters is closed.
Q: Who do I contact if I encounter site issues? A: If any site issues are encountered, contact Award Headquarters at (800) 854-0790 for assistance. Support is provided by Award Headquarters 24 hours daily except on major holidays when Award Headquarters is closed.
Merchandise Awards
Q: If I order more than one item, will they be shipped together? A: We cannot guarantee that items will be shipped together. You may receive several shipments to complete your order.
Q: What if the item I order is not available? A: 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.
Q: For merchandise redemptions, how long after I place my order should I expect to receive the ordered items? A: 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 4-6 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.
Q: What happens if my merchandise award arrives damaged? A: 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 thirty (30) days of receipt for replacement. Please refer to your Terms, Conditions and Program Rules for additional requirements.
Q: Will I be able to use any applicable manufacturer warranties for my redemption(s)? A: 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.
Q: Where can I get a complete list of available merchandise awards? A: The BankMobile Credit Rewards powered by ScoreCard Program has a complete list of available merchandise awards located at www.scorecardrewards.com.
Travel Awards
Q: When are Travel Services agents available? A: Travel Services agents can be reached at (855) 483-5005, 7 days a week between the hours of 8:00am – 12:00am EST to book your travel arrangements. Additional fees may apply.
Q: Can I book my travel online? A: Yes, your travel can be booked online. You can book online at www.scorecardrewards.com.
Q: How many Points are required for a ticket? A: 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!
Q: Can I still redeem if I do not have enough points for a ticket? A: 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 BankMobile Credit Card or another credit card payment card that is part of the ScoreCard Reward Program.
Q: Are there any origin or destination restrictions? A: This program allows you to fly from virtually anywhere to virtually anywhere in the world!
Q: How far in advance do I need to make my travel reservations? A: You can 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.
Q: I want to save my points for an airline ticket. How will I know the number of points I need to save? A: 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.
Q: Can I change or return my airline ticket if my plans change after the ticket is issued? A: 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.
Q: Can I book a cruise online? A: 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. Additional fees may apply.
Q: How do I change or cancel my car, hotel, activity or cruise booking? A: You must contact the Travel Rewards Center at (855) 483-5005, 7 days a week between the hours of 8:00am – 12:00am EST for all modification and cancellation requests as the policies are different for each travel award. Additional fees may apply.
