Visa Signature Rewards Card

• Auto Rental Collision Damage Waiver (CDW)
• Emergency Card/Cash Replacement
• Cardholder Inquiry Service
• Redeem points for travel, cash, retail gift cards or merchandise
• Lost/Stolen Card Reporting
• End-of-year electronic summary statement

• Hotel Theft Protection ($1,500)
• Travel Accident Insurance ($500,000)
• Travel and Emergency Assistance Services
• Roadside Dispatch
• Warranty Manager Service

Guide to Your Visa Signature Card Benefits

• Pay with Apple Pay, Android Pay or Samsung Pay
• View and redeem your Rewards points
• Compare Visa Credit Cards
• Request a "Credit Card Limit Increase" in Online Banking in the "Online Forms" drop-down menu
• Transfer a balance from another credit card to your Star One Visa (no fee)
• Report a lost or stolen card
• Dispute a transaction (credit card or debit card)
• "Travel Notification Form" in our Mobile Banking app or in Online Banking in the "Online Forms" drop-down menu
• Visa Credit Card Agreement and Disclosure
• Rewards Program Terms and Conditions

1. What is the Star One Rewards Program?
   Star One Rewards Program is a reward program offering points on qualifying purchases. Points can be redeemed for items, such as gift cards, airfare, hotels, cash, merchandise and travel packages.
2. Who is eligible for the Star One Rewards program?
   You must have been approved, received, and activated Star One Credit Union Visa Platinum Rewards or Visa Signature credit card to be eligible for the Star One Rewards program. Once your card is activated, you will automatically earn points with your purchases.
3. How do I earn Points?
   Every time you use your Visa Platinum Rewards card, you will earn one (1) point for every dollar spent in purchases. Visa Signature card holders will earn one and a half (1.5) point for every dollar spent in purchases. Use your card for everyday purchases and watch your Points add up. Cash advances, fees, finance charges and balance transfers do not earn points. If you return a purchase and receive credit to your account, those points will be deducted from your total. Fraudulent transactions reversed from your account will also be deducted from your point total. ✓®
4. What is the URL for the Star One Rewards website?
   www.staronerewards.com
5. How do I view or redeem my Points?
   The first time you go to the Star One Rewards website, www.staronerewards.com, you will be asked to create a Star One Rewards user name and password. You will also be asked to “accept” the terms and conditions the first time you log into Star One Rewards account. Once you have accepted the terms and conditions, you will be able to view and redeem your points.
6. Are there a maximum number of Points?
   No.
7. Do my Points expire?
   Yes. Your Points have an expiration date of 5 years.
8. Can Points be gifted or transferred to another Platinum Rewards or Visa Signature account?
   Yes. Points may be gifted or transferred to another person or account.
9. How do airline redemptions for the Rewards Program work?
   You can redeem your Points for tickets on most major airlines by calling our Rewards Redemption Center at 1-866-960-7975 or online at the Travel Rewards section of this website. Tickets for travel should be booked at least 21 days in advance and include a Saturday night stay. There are no blackout periods but tickets are limited to availability - as long as a seat is available, you may redeem Points for a ticket. Orbitz® for Business offers you thousands of daily air travel reward options.

   All airline rewards are subject to a price cap. For example, for 40,000 Points you can redeem for a ticket up to a $500 price cap, or may take $500 off a ticket of a higher value. If you want to fly when the ticket cost is higher, you have several options: 1) charge the difference in price to the debit or credit card of your choice; or 2) redeem more Points for a higher ticket price.

10. Can the joint accountholder account redeem Points?
    Yes. Either the primary or joint accountholders may redeem points for any rewards.
11. What happens to my Points if I close my Platinum Rewards or Visa Signature credit card account?
    We encourage you to redeem your points prior to your closing the account. Otherwise you will lose all of your points.
12. Can I combine my Points if I have two Platinum Rewards or two Visa Signature credit cards or both?
    Yes, you are able to link your accounts through the rewards website at www.staronerewards.com.
13. How are points posted to my account?
    Points are posted to your account on a daily basis.
14. Who can I contact for assistance or questions about Points?
    Rewards Representatives are available by phone at 866-960-7975. You may also send an e-mail to memberrewards@breakawayloyalty.com. Business hours are Monday - Friday, 7:00 a.m. to 10:00 p.m. (EST) and Saturday - Sunday, 9:00 a.m. to 10:00 p.m.
15. For what items can I redeem my Points?
    You may redeem your Star One Points in four major categories: travel, cash, gift cards and merchandise. To redeem points, call the Star One Rewards Redemption Service Center at 866-960-7975, or redeem points online at www.staronerewards.com.
16. Can I upgrade my airline ticket to Business Class or First Class?
    For the majority of our airline rewards, you can redeem your Points for any class of service. You may not upgrade your ticket once booked. The airline may be contacted for questions on upgrades or other changes to itinerary once tickets are booked.
17. Who do I contact if something goes wrong with my flight?
    You may contact the airline directly. You will receive contact numbers on your flight itinerary, which will be emailed to you after you redeem Points for air travel.
18. What happens if I cancel a flight booked through Star One Rewards website?
    Tickets are non-changeable and non-refundable. Any changes to itinerary must be handled directly with the airline listed on your itinerary. You may be subject to fees enforced by the airlines for changes to your flight itinerary.
19. Can I receive airline frequent flyer miles for airline tickets using Points?
    Yes. To receive airline miles for flying, you should provide your airline frequent flyer number on the Orbitz® site or to the agent over the phone when you redeem your Points. You must work directly with the airline in question if you forget to provide your frequent flyer number or in cases of any discrepancies.
20. Can I combine my Points and my frequent flyer miles for free airline tickets?
    No, our Star One Rewards program is unique to our credit union and you can only redeem your Points for rewards. If you have airline miles, you need to work with each individual airline frequent flyer program separately.
21. How do I redeem my points for hotels, car rentals, cruises, experiential travel?
    Travel redemptions may be made online at www.staronerewards.com or by phone through a Rewards Representative at 866-960-7975.
22. How do I redeem my points for general merchandise?
    Merchandise redemptions may be made online at www.staronerewards.com or by phone through Rewards Representative at 866-960-7975. Merchandise may take up to 4-6 weeks for delivery.
23. How do I redeem Points for cash?
    Cash redemption may be made online at www.staronerewards.com or by phone through Rewards Representative at 866-960-7975. Deposits may take up to 3-5 business days to post to your savings account.
24. How do I redeem my points for gift cards?
    Gift card redemptions may be made online at www.staronerewards.com or by phone through Rewards Representative at 866-960-7975. Gift cards will be processed within 3-5 days from the date your order is placed.