Earn points you can cash in for awesome rewards
Directions Credit Union offers its personal checking account holders a great rewards program. Account holders can earn points to use toward merchandise, travel and more with our VISA ScoreCard™.
Every time you use your DCU debit card, we’ll round your purchase up to the nearest whole dollar and transfer the excess amount to the DCU savings account of your choice.*
For example: when you spend $3.66 at the coffee shop, the remaining $0.34 will automatically be deposited into your chosen DCU savings account. While it may not seem like much at first, it won’t take long for that extra change to add up! Whether you are saving for a rainy day or your next vacation, with the Round-Up Savings feature, the task of saving becomes effortless.
*Enrolling in the Round Up service will enroll all standard (non-HSA) debit cards attached to that member number. Round Up is not available for business accounts. Some transactions may not round-up depending on how the merchant processes them. Round Up transfers are completed at the end of the day and will post as a sum of round-ups from debit card purchases posted that day. Non-business day Round Up transfers will be processed the next business day
Directions Credit Union offers four types of personal checking accounts each of which offers a VISA debit card with ScoreCard™.
When you make a qualifying* purchase from your checking account using your VISA debit card, you’ll earn ScoreCard™ points.
*Qualifying purchases, such as groceries, clothes and home furnishings, gas, restaurant dining, and much more earn you points. No points are earned for fees, cash advances, currency conversion charges, ATM withdrawals, or insurance charges posted to your account.
- ScoreMore (earn bonus points) with participating online retailers and qualifying purchases
- Reward Points can be redeemed for merchandise, gift cards and travel at www.scorecardrewards.com
- Combine and maximize points for greater reward options
VISA debit/ATM card
- Earn 1 point for every $2 you spend when you select “Credit” to make a qualified purchase* with your Directions VISA debit card
- Earn 1 point for every $5 you spend when you select “Debit” and use your PIN to make a qualified purchase* with your Directions VISA debit card
- Maximize and Combine your earned Reward Points from all your Directions VISA Debit Card(s) and VISA Credit Card(s) for greater reward options with more redemption power
*Qualifying purchases such as groceries, clothes and home furnishings, gas, restaurant dining, and much more earn you points. No points are earned for fees, foreign transactions, cash advances, currency conversion charges, ATM withdrawals, or insurance charges posted to your account.
Redeem Points in Near Real-Time
Premium Payback allows you to use your points on everyday spend. Enroll in the program to begin receiving pay with points opportunities through email and SMS. Simply use your card as you normally do and be surprised and delighted when an offer is presented to pay with points on your most recent transaction.
After a qualifying in-store transaction at a participating retailer, you will receive an SMS and/or email with an offer to pay with points. It’s up to you whether to accept the offer or continue to save points for the future. If you accept, you will receive a statement credit to your account.
To enroll in Premium Payback, please go here.
Pay with Points
You can also use Premium Payback to pay for qualifying online purchases at millions of PayPal® merchants. When you use PayPal to pay a participating merchant online, you have the option to convert your eligible loyalty point balance to currency as an alternative form of payment.
Please click here for more information.
In addition, Walgreens Stores and Dollar General Stores, starting in November 2020, will offer you the option of converting your eligible point balance as an alternative form of payment. You must purchase at least $5.01. When you do, you will receive a message at the terminal asking you if you would like to use 1,000 points for $5.00 off your purchase.
Fuel Discounts at Redeeming Gas Stations
Premium Payback allows you to receive instant discounts at the pump with Amoco®, BP®, and Shell®. This is a real-time, point-of-sale instant discount on fuel when you have a sufficient reward point balance. You will receive an instant rollback of $0.50 per gallon for up to 20 gallons for 2,000 points.
Please click here for more information.
Directions CU Card App is a free mobile app that allows you manage your Visa card(s) on-the-go and gives you the ability to control how, when and where your payment cards are used. Turn your cards on and off instantly at your fingertips. Set spending limits, defend against fraud, and more!
How to Get the Directions CU Card App:
All you need is your Directions’ Visa credit/debit card and an Apple or Android smartphone. Click the Google or Apple buttons below to download the app from your device's respected app store or go to your app store and type “Directions CU Card App” in the search bar to find and download the app. After downloading, you will be instructed to create a login with password, enter your full card number and authentication information.
The app is user friendly and should only take a few minutes to complete.
Directions Rewards VISA Credit Card With ScoreCard™
Use your Directions Rewards VISA credit card with ScoreCard™ to earn points redeemable for merchandise, gift cards, travel and even erase transactions.
ScoreCard™ Reward Points
Earn one point for every dollar you spend that you can redeem for:
- Gift cards
Visit VISA EZcard located in Directions Online Banking and click on “cards,” hover over your Directions VISA Card, and then select “Manage Card” to redeem your points or call 1-855-483-5005 for travel information or 1-800-854-0790 for Scorecard general assistance.
Open a new Rewards VISA card and get 1,000 bonus ScoreCard™ Reward Points with any purchase made within 60 days.
Did you know you can earn rewards faster by combining the ScoreCard™ Reward Points on your Directions Visa and Debit Card? Log into VISA EZcard, click ScoreCard™, then “Householding” to sign up. Your Reward Points will be combined immediately!
Redeem2Erase™ allows you to redeem ScoreCard™ Reward Points to erase recent transactions off your credit card statement. Simply pick a date, pick a transaction, and redeem your points to receive your transaction credit.
To use the Redeem2Erase™ feature, login to scorecardrewards.com or you can login through online banking by clicking on “Cards.” The Redeem2Erase™ option can be found under the “Shop Rewards” tab and will provide further instructions once selected.
Note: Redeem2Erase™ is not a payment. Please ensure your regular payment is made prior to your due date. Redeem2Erase™ will post to your statement within 1-2 statement cycles.