Visa Program Rules

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Visa Program Rules

Click the tab below to view the Visa® terms and conditions.

Mountain America Visa® Rewards Credit Card

I. Description of the Rewards Program

  1. The rewards program (“Program”) is a service provided by Mountain America Federal Credit Union (“Sponsor”) and managed by Augeo Consumer Engagement Services, LLC (“Administrator”).
  2. Participation in the Program is exclusive to those who have a current business debit card or eligible business or consumer credit card (“Rewards Card”) issued by the Sponsor. These individuals are defined as (“Cardholders”).
  3. The Sponsor reserves the right to disqualify any Cardholder from participation in the Program and invalidate all Points for abuse, fraud or any violation of the Program terms and conditions. The Sponsor may make such a determination in its sole discretion.
  4. The Program is void where prohibited by federal, state or local law.
  5. The Sponsor and the Administrator are not responsible for typographical errors and/or omissions in any Program document.
  6. The Sponsor and the Administrator reserve the right to change the terms and conditions as well as the Points required for a reward within the Program. At the Sponsor’s option, redemption of Points may be restricted, limited, expired or cancelled at any time, without prior notice.
  7. Eligibility in the Program is restricted to individuals who have a statement address within the 50 United States, the District of Columbia or any U.S. Possession or Territory.
  8. The Program’s Privacy Policy is available at the Program’s website on the bottom of each page.

II. Earnings Points

MyStyle Checking Rewards

  1. Cardholders will earn (“Points”) on a monthly basis for participating in defined account products, services or account activities. Examples of eligible products, services or account activities may include, but are not limited to:
    1. Use of the bill pay system to pay a payee.
    2. Use of the mobile deposit to make an account deposit/payment
    3. Participating in eligible loans on an account. These eligible products and account activities are subject to change without advanced notification from the sponsor to participants of the program.

Visa Rewards

  1. Cardholders will earn (“Points”) for purchases of all eligible goods and services by using their Rewards Card. Points will be accumulated at the rate of:
    1. One Point per each one (1) dollar charged on the Cardholder’s credit card.
    2. One Point per each four (4) dollars spent on the Cardholder’s business debit card in signature-based transactions only.
    3. PIN-based transactions and cash advance transactions are not eligible to earn Points. Points accumulated for other products or services are determined at the sole discretion of the Sponsor.
  2. Point accrual will begin upon Program enrollment date.  No Points will be awarded retroactively.
  3. Point earnings are based on the net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the Rewards Card during each day by the Cardholder. Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the Point value of the transaction may be deducted from the Point total during the dispute period. If the transaction is reinstated, Points will be reinstated.
  4. In addition to the above methods for earning points, the Sponsor, from time to time, may offer additional opportunities to Cardholders, either in their entirety or selectively, to accrue Points related to specific accounts through different or additional methods. The Sponsor has sole discretion in setting who may receive these additional opportunities and the time limits associated with the same. All criteria related to limited time offers will be set in accordance with any equal opportunity requirements and no consideration will be made related to race, gender, sex, sexual orientation, age or other prohibited classification.
  5. Methods for earning Points are subject to change at the will and sole discretion of the Sponsor and may be changed without providing advanced notification to Cardholders. Furthermore, the Sponsor reserves the right to change or end the offer at any time.
  6. In the event of fraud, abuse of program privileges or violation of the Program rules (including any attempt to sell, exchange or transfer Points or the instrument exchangeable for Points), the Sponsor reserves the right to cancel Cardholder’s membership in the Program.
  7. If more than one debit or credit card has been issued for the same checking or loan account, the Points earned from each card will automatically be pooled together into one available Point balance.
  8. Points may not be combined with any other loyalty/frequency reward program that is not managed by the Sponsor.
  9. The Sponsor reserves the right to award bonus Points to selected Cardholders for any activity or condition it decides.
  10. Points are not the property of the Cardholder, and cannot be bought, sold or transferred in any way (including upon death or as part of a domestic relations matter).
  11. If the Cardholder converts to another credit card program offered by the Sponsor and does not maintain a MyStyle Checking account, all Points will be forfeited.
  12. Points are tracked and redeemable on a first-in, first-out basis. Points will expire on the last day of the month, three (3) years after the date of issuance.
  13. The Sponsor and the Administrator shall have no liability for disagreements between Cardholders regarding Points. The Sponsor’s decisions regarding Point discrepancies shall be final.

III. Redeeming Points

  1. To redeem Points, visit the Program’s website or call the Administrator’s Customer Service center. All contact information is listed at the end of these Terms and Conditions.
  2. To be eligible to redeem Points, the Cardholder’s account(s) must be open and in good standing (meaning not past due, voluntarily closed, canceled or terminated for any reason), and the Rewards Card cannot have any other status preventing authorizations.
  3. Points are deducted from the Cardholder’s Point balance as soon as they are redeemed.
  4. Points must be redeemed by the Cardholder but can be used to provide a reward for another person of their choice.
  5. The Cardholder agrees to release the Sponsor and Administrator, and its vendors from all liability for any injury, accident, loss, claim, expense or damages sustained by the Cardholder, associated with a reward or use of rewards while participating in this Program and in the case of a travel reward, anyone traveling with or without the Cardholder, in connection with the receipt, ownership or use of any reward. The Administrator and the Sponsor shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the reward.
  6. The Cardholder is responsible for determining any tax liability arising from participation in the Program. Consult a tax advisor concerning tax consequences.

IV. Travel rewards

The Administrator’s travel redemption center is able to take care of all travel arrangements. It is a full service agency that can assist with air rewards, hotel, auto, vacation and cruise reservations.
  1. All travel must be redeemed through Administrator’s fully licensed redemption reservation center or website. Cardholders must have an eligible Rewards Card at the time of redemption.
  2. All airline tickets issued in exchange for Points are non-refundable and non-changeable after ticket issuance, without paying the standard fees charged by each airline. Changes are subject to authorization by the airline and subject to any fees charged by the airline and redemption center.
  3. Lost, stolen or otherwise destroyed airline tickets will not be replaced without the Cardholder paying the standard fees charged by each airline.
  4. Cardholders may make additional travel reservations with the Administrator’s travel department or website by using their Rewards Card.
  5. Airfares are not guaranteed until ticket is issued. All reservations will receive a fax or email on the same day the ticket is issued. The Cardholder must call in any corrections or discrepancies by the close of business on the same day the ticket is issued. The travel Redemption Center will do its best to accommodate all changes and requests. Any   changes or corrections done the following day or thereafter are subject to all airline airfare charges, exchange fees and processing fees and processing charges.
  6. Paper airline tickets are subject to the individual airline paper ticket fees.
  7. If a paper ticket is issued, the Cardholder has two options for delivery. The Cardholder can sign a waiver stating that they accept responsibility for a lost ticket, and then the ticket will be sent via U.S. Mail. The second option is to pay a shipping fee for the ticket to be sent via overnight delivery. Priority, Saturday and outside the forty-eight (48) contiguous states deliveries will be subject to additional shipping charges.
  8. The Cardholder is responsible for payment of all baggage charges, departure taxes, seat assignment charges or other charges that may be assessed by airlines, travel companies and/or governmental entities as a result of travel under the Program.
  9. Administrator’s normal and customary fees associated with processing travel-related services are billed to the Cardholder’s Rewards Card.
  10. The Sponsor and Administrator are not responsible for the performance by the airlines of the ticketed transportation. All reservations are made subject to the conditions of airlines, supply or business of the party providing the service, which include exclusions and limitations of liability. The airline industry is in constant flux, and changes made by this industry are done quickly and frequently without notice. Therefore, reward redemption rules for air travel are subject to change without notice.
  11. A valid government ID must be presented at the airport, and it must match the traveler’s complete name as listed on the airline ticket.
  12. Travel insurance: For added protection, it is highly recommended that all travelers consider purchasing travel insurance at the time of ticketing to cover airline bankruptcy, trip cancellation & interruption, baggage delays and lost baggage, medical expense, emergency medical transportation and vehicle rental collision insurance.
  13. Cardholders may redeem points for a single, lowest airfare as follows:
    1. Each free ticket must be ordered through Administrator
    2. En-route stopovers are not permitted unless they are to make direct connections.
    3. Reservations for tickets are only allowed through standard commercial passenger carriers, which exclude the usage of charters.
    4. Actual travel may occur any time within three hundred and thirty (330) days after the reservation conditions in this agreement are met.
    5. Reservations shall also be subject to airline seat availability on travel dates specified by the traveler.

V. Non-Travel Rewards


  1. When necessary, the Administrator may substitute a reward with an updated model of equal or greater value. Cardholders will be notified of any change when ordering. The Administrator reserves the right to replace or remove certain sections within any program literature or website. All rewards are subject to availability.
  2. Merchandise rewards may take two to four (2-4) weeks for delivery from the time of order. Rewards may arrive at different times if provided by different vendors. Delivery times may increase during peak holiday periods.
  3. Merchandise cannot ship to APO/FPO or P.O. Box addresses.
  4. Merchandise shipped by UPS will be available in all U.S. territories. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam and the U.S. Virgin Islands will have an additional freight charge billed to the Cardholder’s Rewards Card.
  5. Merchandise pictured on any Reward's Program brochure or website may not necessarily reflect exact colors or models of actual rewards due to printing variations and/or manufacturers’ updates. Information is accurate to the best of our knowledge. The Sponsor and the Administrator are not responsible for errors or omissions.
  6. The number of Points required for Reward items are subject to change.
  7. Cardholders may only exchange merchandise in the event of merchandise defects or damage in shipment. Some items are delivered by a common carrier, wherein a delivery time is scheduled and someone must be present to accept delivery. When this is the case, the item must be opened in the presence of that carrier and any exceptions, damages or shortages must be noted on the delivery receipt before Cardholder signs to accept merchandise shipment. For those items that are delivered without being scheduled, please inspect the item within 24 hours of delivery and notify the customer service center if you find any exceptions, damages or shortages.
  8. Merchandise may be covered by manufacturer’s warranties. Any such defect should be handled through the standard manufacturer’s repair facility as noted with the product. Neither the Administrator nor Sponsor offers any warranties on merchandise and specifically disclaim any obligation to provide the same.

Gift Cards and Certificates

  1. Points may be redeemed for gift cards and certificates from select merchants. Most gift cards and certificates are delivered within two to three (2–3) weeks, to the address specified on the order file with the Administrator, as long as it is within the U.S. and its territories. Delivery times may increase during peak holiday periods.
  2. Gift cards and certificates cannot be returned and are not redeemable for cash or credit.
  3. All other sales and/or use taxes, including shipping and handling charges of items purchased using a gift card or certificate, are the responsibility of the Cardholder and are subject to the merchants’ policies in effect at the time of redemption. Purchases in excess of the amount of the gift cards are at the Cardholder’s expense.
  4. Gift cards and certificates may also be subject to other restrictions imposed by the merchant. Gift cards and certificates purchased to provide services are subject to the terms and conditions of the vendor providing the services.
  5. Additional terms and conditions may be specified on the gift card or certificate.
  6. If a merchant declares bankruptcy, the Sponsor and Administrator are not liable for the underlying funds on the gift card or certificate.
  7. Once the gift card or certificate is redeemed and/or used, it is not returnable, exchangeable or replaceable.
  8. Each merchant sets a policy regarding lost or stolen gift cards or gift certificates. If a gift card or certificate is lost or stolen the Cardholder should report the occurrence to the Administrator immediately. The Administrator reserves the right to decline to replace lost or stolen gift cards or certificates.
  9. If gift cards or certificates have been ordered and not received by the Cardholder, they must notify the Administrator by using the provided Customer Service telephone number. The Cardholder must notify the Administrator no earlier than fifteen (15) days after the expected receipt date and no later than sixty (60) days from the expected ship date. Upon receipt of such notification, the Administrator will investigate. The Administrator at its sole discretion, may replace any non-received shipment for which a full balance remains on a gift card or gift certificate.
  10. The Administrator is not responsible if a recipient or Cardholder defaces, damages or otherwise renders unsuitable for redemption a gift card or certificate that was received from this reward site.

Cash back rewards

  1. The cash back reward(s) will be deposited to the Cardholder’s Share Savings.  If a Share Savings is not open on the account, the reward(s) will appear as a statement credit on the Cardholder’s Reward Card.
  2. The Cardholder is responsible for any outstanding balance owed on the account after the credit is applied.
  3. Cash back reward(s) cannot be applied toward the payment amount owed on a Cardholder’s Reward Card.

VI. Liability

  1. Cardholders of the Program and any successors or beneficiaries hereby release, hold harmless and discharge the Administrator, Sponsor and Visa® from any claims, damages or liabilities arising out of or related to participation in the Program.

VII. Contact Information

  1. For questions, concerns or complaints, please contact the Administrator’s Customer Service center. You should expect a resolution to all inquiries within three (3) business days.
  2. The Administrator’s Customer Service center is available 24 hours a day, 7 days a week at 877-912-6339. This is the number to call to place orders or to check on existing ones.
  3. The Travel Redemption center is available Monday through Friday from 9 a.m. to 10 p.m. ET, on weekends from 9 a.m. to 1 p.m. ET and is closed New Year’s Day, Easter, Memorial Day, Thanksgiving and Christmas.
  4. To contact Mountain America Credit Union, call 800-748-4302
  5. The Program’s website is

Mountain America Visa® Cash Back Credit Card

  1. Rebates for qualifying purchases on your cash back Visa Card are based on purchases made throughout each quarter after any purchase credits, and excluding cash advances, advances made to pay off other loans, illegal transactions, or any other non-purchase related increase of your Visa account balance, e.g. fees, interest charges.
  2. The amount of any rebate will be calculated by multiplying the amount of qualifying Visa card purchases made in each quarter by the stated cash back percentage. The current cash back percentage is 1.5%.
  3. The quarterly rebate for the previous quarter’s qualifying purchases will be credited to your Mountain America Credit Union primary share savings account by the end of the week following the end of each quarter.
  4. Your account must be in good standing (i.e. not delinquent or canceled, or otherwise not usable for charges) to receive any rebate. Mountain America Credit Union reserves the right to terminate or suspend your standing in the program if your account is not in good standing.
  5. The rebate will only be credited to the accounts of members that have an open Mountain America Visa Cash Back Credit Card at the time of the quarterly rebate payment.
  6. Any earned rebate will be forfeited if the member changes the credit card loan program they are participating in prior to the time of the quarterly rebate payment.
  7. Errors in the rebate calculation can occur and may be corrected by Mountain America Credit Union at any time without notice. Members can review their calculated rebate at any time by visiting a Mountain America Credit Union branch location or calling 1-800-748-4302.
  8. Reasonable steps will be taken by Mountain America Credit Union to ensure proper rebate calculation. Mountain America Credit Union must be notified of any errors in quarterly rebate calculations within ninety (90) days from when the rebate was issued.
  9. This program may be changed or terminated at any time without notice, restriction or penalty. If Mountain America Credit Union terminates the Visa Cash Back Card program for its membership, Mountain America Credit Union will provide a payment for unpaid rebates at that time for participants in the program.
  10. Any liability for taxes including federal, state, or local income, sales, use, or other taxes or gratuities imposed on a rebate 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.
  11. Errors in publication of materials may occur. We reserve the right to correct errors at any time including, adjusting past rebate amounts or percentages.
  12. This program is available to account holders of specified account types at Mountain America Credit Union.
  13. This program is void where prohibited by law.
  14. Using your card following receipt of these rules constitutes agreement to these rules on your behalf.
  15. Contact Mountain America Credit Union to determine if additional rules apply to your participation in this rebate program.

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