Own Your Experience

With our customizable Mastercard^® Choice Rewards credit card, you're in control.

Choice Rewards Credit Card Redeem Cash Back Redeem Gift Cards Redeem Travel Redeem Donations

Choice Rewards Credit Card

No annual fees
13.99% - 28.99% APR*
Extensive list of Mastercard^® benefits
Offering digital wallet access, card controls, contactless payments and more
Earn 1.5 reward points 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

Introducing eGift Cards!

Our new eGift card rewards allow you to select from 150+ merchants like Amazon, Best Buy, Starbucks, Target and Walmart. eGift cards can be emailed to yourself or others.

Physical Gift Cards

Treat yourself or someone else! With the Gift Cards option, you can redeem points for top-brand physical gift cards like AMC, Home Depot, Disney, Nike, Bass Pro Shop, The Cheesecake Factory and more. Physical gift cards can take up to 14 business days to be mailed.

Redeem Travel

Redeem Donations

Support the greater good by choosing Charity Choice donation gift cards. You can designate quantities of $25, $50, or $100 for up to three charities of your choice from a list of over 1,000 participating national organizations and local causes.

Charity Choice Gift Cards is a project of Special Kids Fund. Funds are distributed to each of the designated charities in one payment, as a bulk allocation quarterly.

To learn more about the participating charities, visit www.charitygiftcertificates.org.

Apply for Choice Rewards >

Your Spending. Your Rewards. Your Way.

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:

Use your Choice Rewards credit card at the beginning of your transaction at a participating gas station pump.
If you have enough points (2,000+), the screen will prompt you to use your points.
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.

Choice Rewards Credit Card FAQs

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.

Mastercard® Credit Card Features

UNCLE Mastercard Insurance and Assistance Benefits:

Mastercard's Standard Benefits:

Mastercard's Travel & Entertainments Benefits:

Credit Card Fees and Costs

No annual fees.

No Over Credit Limit Fee.
2% Foreign Transaction Fee.
3% Balance Transfer Fee.
4% of transaction amount Cash Advance Fee, $10 minimum, no maximum.
$10.00 late fee if payment is more than 10 days late.

Existing UNCLE credit card holders can transfer other credit card balances to their UNCLE credit card at any time. Begin your balance transfer by completing our Credit Card Balance Transfer Form.

UNCLE Membership Rewards

Important Disclosure Information

Apply for Choice Rewards >

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Own Your Experience

With our customizable Mastercard® Choice Rewards credit card, you're in control.

Your Spending. Your Rewards. Your Way.

Flexible Rewards

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:

Use your Choice Rewards credit card at the beginning of your transaction at a participating gas station pump.

If you have enough points (2,000+), the screen will prompt you to use your points.

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.

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?

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.

2100 Las Positas Court Livermore, CA 94551 (925) 447-5001

Routing # 321173072

Quick Links

Important Information

With our customizable Mastercard^® Choice Rewards credit card, you're in control.

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.

2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001