topics on this page
What does it cost to participate in an STCU rewards program?
There is no cost to participate in the STCU rewards program! However, you may be responsible for taxes, fees, or other charges when redeeming points for cash back, fuel, other rewards or benefits provided by participating companies. For details, see the STCU Rewards Program Terms and Conditions or business Rewards Program Terms and Conditions.
Earning points
How do I earn rewards points?
STCU members can earn 1x point for every $1 spent on purchases with any consumer STCU rewards Mastercard®. With an STCU Premier Rewards World Mastercard®, however, you can earn 2x points on two spending categories of your choice and 3x points on all travel purchases.
If you return a purchase and receive credit to your account, the points are deducted from your total. Fraudulent transactions reversed from your account are also deducted from your point total.
Where can I see how many points I have earned?
Log into your STCU online banking account. Your points are displayed on the right side of the "dashboard" screen. Click the link for details. Or, if it's easier, you can also find your points on your monthly statement.
When are points posted to my account?
Points are typically awarded in one to three business days after the qualifying purchase is posted to the account.
Redeeming points
How do I redeem my points?
Log into your STCU online banking account and click "Go to rewards" to find the many options for redeeming your points. You or any joint account holder can redeem your points.
You can redeem points for fuel right at the pump at participating gas stations. The option will come up when you pay and you have at least 1,500 points available.
If you need help, feel free to call the STCU Rewards Service Center at (866) 252-7610 and choose option 1, from 3 a.m. to 8 p.m. Pacific on weekdays or 3 a.m. to 5 p.m. Pacific on weekends. All redemptions are final, as we cannot offer refunds or cancellations.
What can I get when I redeem my points?
Lots of things! Here are a few possibilities:
- Cash.
- Gift cards.
- Fuel.
For a comprehensive description of redemption possibilities, please read the STCU rewards card terms and conditions.
2x point categories
Members with consumer premier rewards cards get to pick two categories that will earn 2x points.
To choose your categories, log in to your online banking account and select “Go to rewards” under the “Rewards” section. Once you’re in your rewards portal, click “Your Choice Rewards” from the “Browse & Redeem” section. Select the categories you’d like to earn 2x points for.
To get the most out of your points, you’ll want to think about where you expect to spend the most for the next three months.
Those categories are restaurants, recurring bills, gas, grocery stores, Walmart, electronics and department stores, Amazon.com, drug stores, home improvement, appliances and furnishings, charities.
👍Pro tip: Choosing fuel as one of your 2x points categories can help you get farther down the road. You’ll earn points faster on gas, and once you have enough, you can redeem them right at the pump to save instantly at participating locations.
If you don’t choose your spending categories, they will default as restaurants and recurring bills.
Can I change my 2x point categories?
Yes, depending on how long it has been since you last selected your 2x point categories. Your categories can be changed once a quarter.
Point expiration and limits
Do my points expire?
The points you earn or that are gifted to you never expire, as long as you make at least one purchase on your card every 24 months.
Is there a limit to the points I can accumulate?
No! Feel free to redeem your points as you earn them, or build up your points for bigger rewards. Points can add up quickly when using your STCU Premier Rewards World Mastercard, because there is no cap on the number of double or triple points you can earn.
Am I required to allocate points to a certain category to use them?
You may redeem points for any available item, service, credit, charity, or experience. Points are applied at the time of redemption.
Do reward certificates or gift cards expire?
Expiration dates vary depending on the merchant, so be sure to read the details provided in the rewards description for any certificate or gift card you're considering.
