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PHONE: (925) 447-5001
ROUTING #: 321173072
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Apply for Choice Rewards >

Gift yourself $200 this holiday season!

Spend $1,000 in 3 months and earn 20,000 bonus points — that’s a $200 value — with a new Choice Rewards Mastercard® credit card. It’s that simple. Not an UNCLE Credit Union member? Discover how you can earn even more with our Membership Rewards Program and apply for membership along with Choice Rewards.

Learn more about the card that keeps giving, for less.

Choice Rewards Credit Card
Choice Rewards Credit Card

UNCLE Mastercard Choice Rewards Credit Card. A blue card with subtle white dots circulating around the logo

  • No annual fees
  • 13.99% - 28.99% APR¹
  • Extensive list of Mastercard® benefits
  • Offering digital wallet access, card controls, contactless payments and more
  • Earn one reward point for each qualifying net dollar you spend

Redeem rewards like cash back and gift cards by logging into your digital banking account.

Redeem Cash Back
Redeem Gift Cards
Redeem Travel
Redeem Donations
Apply for Choice Rewards >

Your Spending. Your Rewards. Your Way.

Uncle Flexible Rewards Icon

Flexible Rewards

Choose your preferred reward category and switch it up as your lifestyle changes.

Modern Benefits

Contactless tap-to-pay, mobile wallet compatibility, and 24/7 fraud protection.

Earn Even More

Choice Rewards cardholders also qualify for UNCLE's Membership Rewards Program.

Real-Time Rewards: Fuel with Points

With our real-time rewards, you can use your points for instant redemption - a fast, convenient way to use points for purchases you are already making.
How It Works:
  1. Use your Choice Rewards credit card at the beginning of your transaction at a participating gas station pump.
  2. If you have enough points (2,000+), the screen will prompt you to use your points.
  3. Fuel up and save $0.50 off per gallon, up to 20 gallons!

 

To view participating gas stations, log in to your digital banking account and select Real-Time Rewards from your redemption options.
Car fueling at gas station. Refuel fill up with petrol gasoline. Petrol pump filling fuel nozzle in fuel tank of car at gas station. Petrol industry and service. Petrol price and oil crisis concept.
How can I earn points?
Points are awarded for qualifying purchases made using your UNCLE issued rewards Choice Rewards credit card. Please view the Program Terms and Conditions for more details.
How do I know how many points I have?
Your current available points balance is listed in the top right corner of every Choice Rewards page accessible from your digital banking account.
Do my points expire?
Points expiration details can be found within the Program Terms and Conditions and the My Account Statement page on the rewards site accessible from your digital banking account.
Are there any fees for participating it the rewards program?
Merchandise and gift cards shippable by UPS or UPS Surepost will be available to all US territories at no additional cost. Items being shipped to Alaska, Hawaii, Puerto Rico, Guam and the US Virgin Islands may have additional freight charged. We will contact you to confirm any additional points redeemed to cover additional freight charged. Gift cards valued under $500.00 can be delivered to a P.O. Box because they are shipped via First Class US Mail.
Please review the Program Terms and Conditions for more information.
When do the gift cards purchased through my rewards expire?
Gift cards do not expire.
I ordered a $100 gift card, but I received two $50 gift cards, why?
For your convenience, we generally have gift cards with smaller denominations in stock and readily available for shipment.
Apply for Choice Rewards >
1. APR = Annual Percentage Rate. Rates and terms subject to change and based on creditworthiness.
*20,000 bonus point offer ($200 value) valid for new UNCLE Credit Union Choice Rewards Mastercard card holders. To be awarded 20,000 bonus points, you must make eligible net purchases totaling $1,000.00 charged to the account within 90 days of account opening. Eligible purchases do not include cash advances, balance transfers, finance charges, fees, convenience checks, or gambling. Net purchases do not include refunds and returns. This is a one-time promotional offer limited to new choice rewards credit card accounts opened during the promotional period. Offer not valid on existing Choice Rewards credit card accounts, Business Platinum Rewards credit card, nor requests to convert existing credit card accounts to the Choice Rewards credit card. Bonus points will be posted to your account within 90 days from promotional eligibility. Account must be active and in good standing for bonus points to be posted to account. Promotional offer valid from November 1, 2025 – November 30, 2025. UNCLE Credit Union reserves the right to end or modify this offer at any time. For additional information on UNCLE Mastercard credit cards, please visit Credit Cards - UNCLE Credit Union (unclecu.org).

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UNCLE Logo - Dark Grey
2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001
Routing # 321173072

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS ID 729232.
Rates shown are current as of November 25th, 2025

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