Earn BEYOND your Expectations
Get even more points on your
travels and related
purchases!
From cash back, gift cards to your dream vacation, it’s now possible to go above
& BEYOND
with your BFSFCU BEYOND Visa® Signature Card — still with NO annual
fee.
Enjoy more ways to earn even more points
-
5X
points on
air travel -
3X
points on hotels, Airbnb & VRBO
-
3X
points on
restaurants -
2X
points on
car rentals -
1X
points on
everything else
- No earnings limit
- No registration required
- No quarterly
category changing - No annual fee
- No foreign transaction fees
- No new card required
Even better than a travel rewards card
It’s like having a travel rewards card, but without the fees some travel cards charge that can end up costing more than their rewards are worth. There’s no registration required — you’ll earn these elevated points automatically.
Don’t have the BEYOND card?
Earnings can add up quickly — see how a two-day trip could total big points:
-
$500 X 5 points
2,500 points
-
$300 X 3 points
900 points
-
$150 x 3 points
450 points
-
$150 x 2 points
300 points
-
4,150
POINTS
Redemptions start as low as 1,000 points, so redeem whenever you’re ready and on your terms!
Get Answers to Your Questions About the New BEYOND Rewards Program
What is the new rewards
program?
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
Why are we changing the
program?
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.
I don’t shop in these
categories, is this program for me?
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.
Do I get access to airport
lounges?
Consideration was given to offering airport lounge access. We focused instead on boosting the points earned to deliver a more rewarding program.
What about other
categories? Can I earn higher point levels with other purchases?
When promotions are offered extra points may be achieved at that time.
Do points expire?
Each point earned must be redeemed within five years.
Will an International
Service Assessment fee be associated?
This new program does not change the terms of your credit card account, including fees. Refer to your Account Opening Disclosure for details.
Will my interest rate
change as a result of this program?
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.
I don’t want this program,
what are my options?
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.
Can I customize the points
earned per category?
The categories are already defined. The points earned per category are for all Beyond Visa Signature cardholders and do not require registration or customization.
How do I earn
points?
Points are earned for each dollar spent for purchases. (Cash advances and Balance Transfers do not earn points).
Are all airlines,
hotels/motels, restaurants, and car-rental companies included?
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
If I purchase a package
through a travel agent or travel website, would it qualify for extra points?
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
What happens to the points
I have not redeemed yet?
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.
What about purchases made
right before the program update?
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).
Are the redemption
categories changing?
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.
Is there an annual fee for
the new program?
Great news – you will enjoy the benefits of the new program without paying an annual fee.
Do I need to apply for a
new card? Is my card number changing? Am I getting a new card? What about the joint or authorized user on my
account?
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.
Can I really earn
unlimited points?
Absolutely! There is no maximum number of points you can earn; so take advantage of every earning opportunity.