When you’re shopping for groceries, filling up your gas tank, or grabbing your morning coffee, do you think about the rewards you could be earning? If not, it’s time to start. Debit card rewards are a game changer for everyday consumers, offering a simple way to earn benefits from purchases you’re already making. Specifically, the uChoose Rewards® program takes the concept of debit card rewards to the next level, providing flexibility, convenience, and a wealth of options for redeeming your points.

With uChoose Rewards, you don't just spend money—you turn it into opportunities. Let's break down how you can get the most out of your SCU Debit Card, enjoy a secure and convenient payment experience through digital wallets, and, most importantly, start earning rewards today.

What Are Debit Card Rewards?

Debit card rewards programs allow you to earn points for everyday spending when you use your debit card. Unlike credit cards, they offer the same perks without the need to borrow money or accumulate debt. Every time you swipe, tap, or make a digital wallet payment with your eligible SCU Debit Card, you’re working toward rewards that can be redeemed for things like gift cards, travel experiences, or even merchandise.

For those who prefer staying within their financial comfort zone, debit rewards provide an excellent opportunity to enjoy benefits previously associated only with credit card users. And with programs like uChoose Rewards, the earning potential is now easier to access than ever.

Why Choose uChoose Rewards?

If you’re wondering what makes uChoose Rewards stand out, here’s a closer look at its key benefits:

  1. Earn points for your purchases

Every time you use your registered SCU Debit Card, you earn points. Whether it’s a small purchase like your morning latte or a larger expense like groceries, those points add up quickly. The best part? You don’t need to adapt your spending habits. Since it works on everyday expenses, earning rewards becomes effortless.

  1. Flexible Redemption Options

Do you love shopping for gift cards? Dreaming of a weekend getaway? With uChoose Rewards, the points you earn can be redeemed for a wide array of options. Choose from:

  • Merchandise like electronics or home essentials
  • Gift cards for popular retailers and restaurants
  • Travel experiences, including hotels, car rentals, cruises, and airline tickets

No matter your lifestyle or preferences, there’s something for everyone.

  1. Convenience and Security with Digital Wallets

Adding your uChoose Rewards-enabled SCU Debit Card to your phone’s digital wallet brings an extra layer of ease and safety to your transactions. Digital wallets allow you to make purchases with a simple tap of your phone. Beyond convenience, they offer advanced security features like tokenization, which helps protect your payment data from theft. This combination of ease and peace of mind makes everyday spending smarter and safer.

  1. No Debt, Just Rewards

Unlike credit cards, which often come with interest rates and fees, debit rewards work with the money you already have in your account. This makes them a great alternative for those who want to earn perks without the worry of overspending or racking up debt.

  1. Perfect for Everyday Consumers

Whether you’re a busy parent juggling household expenses, a student handling daily purchases, or someone just looking to make the most out of their budget, uChoose Rewards fits seamlessly into your lifestyle. You’re already spending money—why not get something back in return?

How do I earn points?

Use your Credit Union debit card for purchases and earn points redeemable for gift cards, travel, and more! Be sure to sign on every transaction, rather than entering a PIN, since only signature-based purchases earn rewards points. If prompted for a PIN, simply ask the cashier to run the transaction as CREDIT. 

Debit cards must be used as “CREDIT” to earn rewards. CREDIT transactions will not earn rewards when processed on a debit network; SCU assumes no liability for transactions processed by the merchant on a debit network.

How to Get Started

Earning rewards with uChoose Rewards is easy. Follow these steps to unlock your rewards potential:

Step 1: Sign Up for uChoose Rewards

If you’re new to the program, start by registering your SCU Debit Card on the uChoose Rewards website. This only takes a few minutes and ensures that every purchase you make starts earning points.

Step 2: Add Your Card to Your Digital Wallet

Take convenience and security to the next level by adding your SCU Debit Card to a compatible digital wallet like Apple Pay, Google Pay, or Samsung Pay. This not only speeds up your checkout process but also boosts the safety of your transactions.

Step 3: Use Your Card Frequently

For each eligible transaction, you’ll earn points. Whether you're paying for everyday essentials or splurging on something special, your points will grow steadily with every use of your debit card.

Step 4: Redeem Your Points

Log in to your uChoose Rewards account to view your point balance and explore the available redemption options. Dream vacation? New gadget? Retail gift card? Pick the reward that suits you best.

Why A Digital Wallet is the Perfect Match for Debit Rewards

Not familiar with digital wallets? Here’s why they’re worth exploring, especially when paired with your SCU Debit Card and uChoose Rewards program:

  • Speed Up Transactions: Tap, pay, and go. Digital wallets streamline the payment process so you can spend less time at checkout.
  • Enhanced Security: Cutting-edge encryption technology ensures your payment information stays protected, reducing the risk of fraud.
  • No More Forgotten Wallets: With your SCU Debit Card saved on your phone, you’ll always have access to your payment method—no need to worry about leaving your wallet at home.
  • Earn Rewards Easier Than Ever: Using your digital wallet with your registered SCU Debit Card means every tap counts toward earning uChoose Rewards points.

Elevate Your Spending Today

Imagine earning points for the money you already planned to spend. That’s the beauty of the uChoose Rewards program. By combining the everyday convenience of your SCU Debit Card with a digital wallet, you’ll enjoy faster, safer transactions while watching your rewards balance grow.

Every swipe, tap, or digital payment brings you closer to experiences, products, and perks that matter to you most. Why settle for just spending money when you can earn something valuable in return?

It’s time to make your dollars work harder for you. Sign up for uChoose Rewards, add your SCU Debit Card to your digital wallet, and start enjoying the benefits of smarter spending today.

Have questions? You can stop in at one of our branches for assistance or reach out to our member service call center at  877-661-3300.

More information

uChoose Rewards®

Guide to Linking SCU Credit Union Cards with Apple Pay® or Google Wallet

SCU Checking accounts