We are very excited to share that effective May 1, 2023, earned points will vary based on category. The number of points earned per dollar spent is:
5 points for airline purchases
3 points for hotels, motels, Air BnB/VRBO
3 points for restaurants
2 points for car rentals
1 point for all other 

Our desire is to offer a competitive and robust program rewarding you for your loyalty. For these reasons, we are increasing the number of points we give back and rewarding the categories most used by our members.

Our rewards program offers a competitive suite of redemptions allowing you to choose between cashback, real-time redemptions, travel, merchandise, charitable giving, etc. Every dollar spent earns points that may be redeemed in the manner that fits your lifestyle.

Consideration was given to offering airport lounge access. We focused instead on boosting the points earned to deliver a more rewarding program.

When promotions are offered extra points may be achieved at that time.

Each point earned must be redeemed within five years.

This new program does not change the terms of your credit card account, including fees. Refer to your Account Opening Disclosure for details.

As a current Beyond credit cardholder, you’re automatically enrolled in the new rewards program without needing to apply or have your credit report pulled.

We sincerely hope you love the new rewards program. However, if this program is not for you, we offer other credit card products that have great rates. Visit www.bfsfcu.org/creditcards for more information.  

The categories are already defined. The points earned per category are for all Beyond Visa Signature cardholders and do not require registration or customization.

Points are earned for each dollar spent for purchases. (Cash advances and Balance Transfers do not earn points).

Purchases associated with the Merchant Category Codes (MCC) listed below will earn points according to the category.
Qualifying Airline purchases are associated with these qualifying Merchant Category Codes:  3000-3302, 4511
Qualifying Hotel, Motel, Air BnB/VRBO purchases are associated with these qualifying Merchant Category Codes:  3501-3838, 7011
Qualifying Restaurant purchases are associated with these qualifying Merchant Category Codes:  5812-5814
Qualifying Car Rental purchases are associated with these qualifying Merchant Category Codes:  3351-3441, 7512

Purchases made through travel agencies typically come in under Merchant Category Codes (MCC) 4722 which does not qualify for points multiplier. Only purchases associated with the following MCCs will earn points according to the category: 

Qualifying Airline purchases are associated with these qualifying Merchant Category Codes:  3000-3302, 4511
Qualifying Hotel, Motel, Air BnB/VRBO purchases are associated with these qualifying Merchant Category Codes:  3501-3838, 7011
Qualifying Restaurant purchases are associated with these qualifying Merchant Category Codes:  5812-5814
Qualifying Car Rental purchases are associated with these qualifying Merchant Category Codes:  3351-3441, 7512

All of the points you have earned, and have not yet redeemed, will continue to be available for redemption within five years of earning them. All purchases made after 5/1/2023 will start earning the new points structure. 

The new program launches 5/1/2023, so all purchases made before this date will receive the previous earnings structure (1.5 points per $1).

The redemption options you enjoy today are staying the same. Redeem your points for Cash Back, Merchandise, Gift Cards, Travel, Experiences, Donations, and Real-Time Rewards.

Great news – you will enjoy the benefits of the new program without paying an annual fee.

The only change is the number of points earned for purchases. Everything else remains the same, including current cards, accounts, Joint/Authorized users, etc. No action is required for you to enjoy this new program. 

Absolutely! There is no maximum number of points you can earn; so take advantage of every earning opportunity.