Visa Rewards Credit Cards

Make every day more rewarding! Earn points toward travel, gift cards, event tickets and more with Mountain America’s Visa® Rewards Credit Card

Apply Now

Visa Rewards Credit Cards

Make every day more rewarding! Earn points toward travel, gift cards, event tickets and more with Mountain America’s Visa® Rewards Credit Card

Get the Rewards You Deserve

Your daily purchases have never been more rewarding. With Mountain America’s Visa Rewards Credit Card, you earn points with every purchase—from groceries to fuel, and entertainment to utilities. And unlike other rewards programs, it’s easy to redeem your points. See how our card compares to other popular cards.

What kinds of rewards are there?

Our rewards card gives the most rewards options. Choose from:
  • Travel rebates
  • Gift cards
  • ID theft protection services
  • Event tickets
  • Experiences
  • Cash back
  • And more

What are the card's benefits?

  • Low rates*
  • No balance transfer fees
  • Same-day card issuance or replacement at any branch
  • Card Manager—use the mobile app to freeze your card, change PINs, set travel notifications and more
  • Free FICO® Score access
Additionally, there are no annual fees, and our cards are chip-enabled so you can make transactions securely and confidently.

How do I earn points:

  1. Use your card. For each dollar you spend, you’ll earn one point.
  2. Open a MyStyle CheckingSM account. The points from your credit card and checking account can be combined, allowing you to accumulate points faster. Learn more about MyStyle Checking.
Reward yourself with the Visa Rewards credit card from Mountain America. The quickest way to apply is through our mobile banking app—you can get a decision in minutes. You may also apply online, at your nearest Mountain America branch or over the phone at 1-800-748-4302.

Apply Online In Minutes

Program rules

  1. For the most current version of the program rules, reward options and point requirements, please visit www.macu.com or call 1-866-411-2877.
  2. You earn points for qualifying transactions at one point per 1 dollar on qualifying consumer cards and 1 point per 4 dollars on qualifying business cards. Total points determined based on total daily spend, with daily point total rounding to the nearest dollar. Some transaction types may not be eligible for point accrual. Contact Mountain America Credit Union to determine transaction eligibility, eligibility dates, or for special promotions. Points expire 36 months from the date earned.
  3. Errors in the addition or deduction of points can occur and may be corrected by the rewards provider or Mountain America Credit Union at any time without notice.
  4. Reward options and the corresponding points required for redemption, limitations on point accrual, including monthly and/or yearly point maximums, point expiration period, and increase or decrease in value of net point accrual are determined by, and may be modified by, Mountain America Credit Union at any time. Reward redemptions must be made prior to point expiration dates.
  5. The rewards program is being presented with no express or implied warranties or conditions. In particular, there are no express or implied warranties including merchant ability and fitness for a particular purpose not specified herein respecting this agreement.
  6. Reasonable steps will be taken to prevent the introduction of viruses or other destructive materials to Web sites associated with this program. However, we don’t warrant, guarantee, or make any representations that sites will be free of destructive materials or that the sites will be uninterrupted or error-free. We assume no responsibility for any loss or damage caused by your access or inability to access sites.
  7. Program reward statements will be available on a periodic basis as determined by Mountain America Credit Union. Statements will normally reflect the adjusted number of points earned, based on previous balance, net purchases, and deductions due to redemption activity. Mountain America Credit Union must be notified of any errors or point discrepancies within 60 days of the date when the error occurred.
  8. Reward points may be redeemed for cash or credit as determined by Mountain America Credit Union and may not be used in conjunction with promotions or discounts offered outside of this program. Mountain America Credit Union may also limit transferability between accounts and incorporation with other institution programs or offerings. Points have no monetary value outside the program nor can they be combined or transferred with or to other loyalty programs.
  9. You are responsible for submitting correct information when ordering a reward. Orders requiring correction maybe subject to additional fees.
  10. Your account must be in good standing (i.e. not delinquent or canceled, or otherwise not usable for charges) to use rewards points. Mountain America Credit Union reserves the right to terminate or suspend your standing in the program or deduct points from your accumulated total if your account is not in good standing.
  11. This program may be changed or terminated at any time without notice, restriction or penalty. A specified time frame for redemption of existing points will be given at the time that a notice of program termination is given.
  12. Any liability for taxes including federal, state, or local income, sales, use, or other taxes or gratuities imposed on a reward received from this program will be the sole responsibility of the participant receiving the reward and not Mountain America Credit Union, the rewards provider, or any of its affiliates.
  13. Errors in publication of rewards materials may occur. We reserve the right to correct errors at any time including, adjustments to past redemptions.
  14. Accumulated rewards points may be gifted to other Mountain America Credit Union rewards participants. Mountain America Credit Union reserves the right to hold and review any points gifted to another participant to determine the validity of the request. Participant agrees to hold Mountain America Credit Union harmless for any loss of points, or problems that may arise due to the inaccuracy of information entered when gifting points. All points gifted to another participant is valid for the period of 12 months.
  15. Contact Mountain America Credit Union to determine if additional rules apply to your participation in the rewards program.
  16. This program is available to account holders of specified account types at Mountain America Credit Union.
  17. The rewards program allows for the linking and sharing of rewards points. Card holders who wish to use this feature must complete, sign, and agree to the terms stipulated on the accounts linking form. The form can be found at www.macu.com.
  18. This program is void where prohibited by law.
  19. Services to administer the program are being provided by, and are the responsibility of Augeo Consumer Engagement Services, LLC., (the administrator), Mountain America Credit Union and the rewards program provider assume no liability or responsibility for the provision of, or failure to provide, the respective services being provided by the administrator. The administrator is an independent contractor and is not affiliated with Mountain America Credit Union. You agree to hold the rewards program provider, the administrator, and Mountain America Credit Union harmless if the supplier of the merchandise or services files for bankruptcy or otherwise goes out of business after you have redeemed your points and before you use the item or service. You accept all terms and conditions in the program rules and release and hold the rewards program provider, the administrator, and Mountain America Credit Union harmless from any claim, liability or damage relating to this program or use of any program item you receive and neither the rewards program provider, the administrator, nor Mountain America Credit Union shall be held liable for any bodily harm, property damage, or injuries incurred which may result from participating in the program, or which may result from the provision of goods or services by suppliers.
  20. Using your account following receipt of these rules constitutes agreement to these rules on your behalf.


Air Travel Awards

  1. Air travel and travel-related services may be requested online through www.macu.com or by calling the redemption center toll free at 1-866-411-2877. Minimum or maximum stays may apply to certain air categories. Tickets for airline reward seats are subject to availability and any terms or conditions imposed by the airline on travel dates specified by the account holder.  Additional travel restrictions may apply at the discretion of Mountain America Credit Union.
  2. Any errors or discrepancies must be reported to the redemption center immediately or at a minimum, within 12 hours from the time of the ticket booking. Email requests will not be accepted. Any changes made after the ticket issuance could incur additional fees and/or penalties, jeopardize availability, and cause the fare to increase at the account holder’s expense except where those errors were made by us and reported by the account holder within the required 12 hours. All voluntary changes at any time are subject to the program rules and could incur additional fees and/or penalties by the airline and/or redemption center. All airline tickets are non-refundable and redemptions are final. Points, credits, and cash refunds will not be issued for any changes or canceled travel arrangements.
  3. Itinerary dates and/or departure/arrival times may be subject to change by the airline.
  4. Tickets may be issued in any name designated by the account holder but the tickets and/or itinerary will be mailed/emailed to the account holder address on file with the rewards provider within the 50 U.S. states only.
  5. Tickets will be issued as e-tickets, either through email or U.S. Mail. Paper tickets are subject to an additional processing and delivery charge. Additional costs, such as rush charges and/or traceable overnight delivery of rewards, are at the account holder’s expense.
  6. Account holders may be responsible for paying any government-imposed security fees, airline fuel surcharges, or other airport, airline, and agent fees. Lost, stolen, or otherwise destroyed airline tickets or other travel certificates will not be honored or replaced. Rewards may also be subject to local taxes and fees, which are at the account holder’s expense.


Gift Card and Gift Certificates

  1. Points can be redeemed for gift cards/certificates from select merchants. Your gift cards/certificates will be shipped within 10-14 business days to the address on file with the rewards provider within the 50 U.S. states only.
  2. Lost, stolen, destroyed, or expired gift cards/certificates are not replaceable. Once points are redeemed for a gift card/certificate they cannot be returned, changed, or exchanged and are not redeemable for cash or credit.
  3. You have 30 days from the date a reward is requested to report an undelivered gift card/certificate by calling the Rewards Redemption Center at 1-866-411-2877.
  4. All sales/use taxes and shipping and handling charges are the responsibility of the account holder and will apply in accordance with the merchants’ policies in effect at the time of redemption. Purchases in excess of the amount of the gift card/certificate are at the account holder’s expense. Additional terms and conditions are specified on the card or certificate. Merchant availability subject to change. Gift card/certificate use is subject to the terms and conditions printed thereon. Gift cards/certificates for services (including but not limited to experiential and entertainment certificates) are subject to the terms and conditions of the vendor providing the services. Gift cards/certificates are also subject to any other restrictions imposed by the merchant.

How to Redeem Rewards

To redeem your MySelect Rewards points, upon logging into Online Branch, click on the Account tab and under Account Management select the link for MySelect Rewards. From here you can view your history, order awards, book travel and explore details about the program.

Login to redeem now

You may also call the Redemption Center toll-free at 1-866-411-2877 from 5:00 a.m. to 8:00 p.m. Mountain Time, Monday through Friday, and 7:00 a.m. to 8:00 p.m. Saturday and Sunday. Your point balance will be verified and your award ordered.

How can something so thin be so chock-full of features?
You’ll find out. And you’ll be glad you did.

*On approved credit.

Visa terms and conditions

Connect with us

Live Help

Chat With A Member Of Our Support Team

First Name
*
Last Name
*
Email
*
Topic

*

CHAT SUPPORT IS AVAILABLE

Monday - Friday: 9:00 AM - 6:00 PM MDT
Saturday - Sunday: Closed

Check out our FAQs

Which type of account would you like to register?

(including re-registrations)