Do my uChoose points expire?

If you have points set to expire, these points will be reflected on your account 90 days before the expiration date.

How can I register for the new rewards program for my credit card?

To register for rewards, you must register the card by logging into your account online and clicking on the uChoose icon to complete the registration.

Is there a cost or fee to participate in the uChoose Rewards program?

No. The uChoose Rewards program is free.

How do I earn points in the uChoose Rewards program?

You can earn points at a rate of 1 point per $1 spent, and the rewards are listed on the uChoose Rewards site. Through this site, you have the ability to receive statement credit in addition to redeeming points for gift cards, tickets and merchandise. You can also earn additional points through making purchases with featured retailers listed on the uChoose rewards site.

Where can I view my total uChoose Rewards points?

Once you register through the rewards site, points will be listed on the uChoose rewards site. You can gain access through your credit card online banking by clicking on the uChoose Rewards icon.

How long are uChoose points valid for?

Points are valid for three years from the date earned.

Do I need to re-register on the uChoose website each time I receive a new card number?

Yes, for the uChoose website only, you will need to re-register each time you receive a new card number. This doesn’t apply to new cards issued with the same card account number.

Do I use the same login credentials in the uChoose mobile app that I set on the website?


Why are uChoose rewards not showing in my online banking?

You must first enroll in the uChoose rewards program before points will show up.

Can I combine uChoose points from multiple Heartland Bank credit cards?

Yes, to combine points, access ypur uChoose account through online banking. Click on your profile in the upper right hand corner, then click link account.

How can I find out when my uChoose points will expire?

If you have points set to expire, these points will be indicated on the site 90 days before the expiration date.

How many uChoose Rewards points do I earn for transactions?

You will earn 1 point for every dollar spent on your personal credit card.

Have uChoose Rewards points been accumulating even if I did not register right away?

Yes, points are earned immediately, but will not show up until you have registered through the rewards site.

Where do I call to inquire about uChoose Rewards points?

You can inquire about your point balance through Client Services 800-697-0049, but you must redeem directly through the uChoose rewards website.

How can I redeem uChoose Rewards points?

You will need to create a login on the uChoose rewards site to redeem points for merchandise or statement credits.

What are the minimum thresholds for point redemptions in the uChoose Rewards program?

You can redeem points for a 1% statement credit beginning at 2500 points (Example 2500 points will be $25 in statement credit). You can begin redeeming points for catalog credit at 1000 points, or $10 in value.

How long does it take for my earned uChoose Rewards points to appear on my account?

Once a transaction is settled by the merchant, the points earned from the transaction will be available on the first business day of the following month.

What happens to my uChoose Rewards points in the event that my card is lost or stolen?

If your card has been lost or stolen, you will be issued a replacement card and your points will be automatically transferred to your new card. Once you receive your new card, you will have to re-register your new card in uChoose Rewards site.