uChoose Rewards® Program

Use your Education First Visa® to earn rewards

Redeem points for event tickets, merchandise and travel

Earn thousands of points. Choose from millions of rewards.

You have to spend money anyhow. On clothes. On food. On gasoline. But paying the bills is less painful if you get rewarded for credit card use. Education First has partnered with uChoose Rewards to offer Visa® card holders points that can be redeemed for an incredible array of items and services. Whoever thought of turning your grocery tab into a HDTV or a luxury cruise? Now that's an idea that's right on the money.

Visa Gold credit card holders earn 4.99%25 APR*

New card holders immediately receive 5,000 points for a limited time!

It's easy to get started. Access your uChoose Rewards account or sign up and learn how to earn and redeem points.
  • Earn points redeemable for event tickets, merchandise, travel, and more
  • Earn one point in rewards for each dollar spent by simply using your Education First Visa® purchases
  • Earn extra points by shopping at participating merchants
  • Earn additional bonus points with Education First promotions
  • Track your points through your uChoose Rewards account
  • Redeem your points with a full online catalog of redemption options
  • Log into your uChoose Rewards account frequently to see participating merchants and to activate monthly offers
uChoose Rewards is a rewards program where you earn points for shopping or using your Education First Visa® debit or credit card, then redeem your points for anything of your choice from a huge online rewards catalog.
There is no cost. Membership in uChoose Rewards is absolutely free for Education First FCU cardholders, so start shopping and earning today!
To begin earning points, you must first register your Visa® debit or Visa® credit card at uchooserewards.com and follow the easy steps. Once you register one card you can link other cards to your uChoose Rewards account and pool your points. 

Any Education First account owner is eligible to register for a uChoose Rewards account. 

You earn points most everywhere your card is accepted. The only non-qualifying purchases will be ones made online with your Visa debit card, unless paying online through Visa Checkout, through Apple Pay online and in apps, or through the uChoose Rewards site. 
Simply use your Visa® debit and credit card anywhere and earn points on purchases. The only non-qualifying purchases will be ones made online with your Visa debit card, unless paying online through Visa® Checkout, through the uChoose Rewards site or within sites and apps using Apple Pay. 

Education First Visa®​ Credit Card points

1 point = $1 spent 

Education First Visa®​ Debit Card Points

1 point = $2 spent (signature-based transactions)

1 point = $4 spent (PIN based transactions)

Earn even MORE points when you use your Visa® debit and credit card at the participating retailers listed on the uChoose Rewards website.

Yes! Purchases made with Apple Pay, Samsung Pay or Android Pay will still be included in your rewards. Some of these digital wallet services are not available at this time.
You can access the history of your point activity on the uChoose Rewards site under the Point Details page.
It can take up to 30 days for your points to be credited to your account. You must accumulate 1 point before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your “Total Points Available for Redemption” on the Point Details page on the uChoose Rewards site to see how many points you have available for redemption.

Cash back can be in the form of a statement credit on your Visa® credit card statement or an automatic deposit into your checking account, depending on which card you register first. 

If you first register and create your uChoose Rewards account using your Education First Visa® debit card, then cash back will be in the form of an automatic deposit to your checking account.

If you first register and create an account with your Visa® credit card, then your cash back will be given in the form of a credit on your Visa® credit card statement. This will stay the same even if you add a debit card to your uChoose account later.

There is no minimum amount for redeeming cash back to your checking account or if you register your credit card to uChoose Rewards first, cash back is given in the form of a credit on your Visa credit card statement.
If you return or cancel an item, points are also reversed from that sale.
No. If you return a purchase, the points are deducted from your account. If this situation causes your points balance to become negative, future card use pays off the negative points balance.
It can take up to 30 days for transactions to appear on the Point Details page on the uChoose Rewards site. If points from a qualified transaction do not appear after 30 days, contact a uChoose Rewards Specialist at service@uchooserewards.com. If a uChoose Rewards Specialist is not able to assist you please contact the credit union.

To link another card to your account, login to the uChoose Rewards site, go to the Preferences page then scroll down to the bottom section called “Link Another Account to Your Program” then click on the “Learn How” link. 

You will then be prompted to enter the card number of the other account you would like to link. Please note that once accounts are linked, that action cannot be undone. Be certain you want to link your accounts.

Yes, all cards within the same account automatically earn points together. In addition, if you or a family member have multiple accounts with Education First FCU, you can link them together to earn points faster. 

Yes, if your card number is new, instead of logging into your uChoose account, you will need to register your new card number like a new user.

Once you register your new card number, the system will automatically recognize that it is associated to your uChoose account and you will still have access to your points earned. 

Points will expire 3 years from the end of the month in which they were posted.
A maximum of 200,000 points per year can be earned.
No. Additionally, cardholder can click Forgot Password link if forgotten.
No. But if you do forget it, there is a Forgot Passwork link which allows you to reset your password if you forgot it.
Yes! Business accounts that have an Education First Visa® debit or credit card are eligible.

Yes! You can use your mobile device or tablet browser for accessing your account. The following are supported web browsers for the uChoose Rewards site:

Google Chrome 5.0

Internet Explorer 11.0

Microsoft Edge 25.0

Mozilla Firefox 4.5 

Safari 9.0

If you have other questions not answered here, contact a uChoose Rewards Specialist at service@uchooserewards.com. If a uChoose Rewards Specialist is not able to assist you please contact an Education First representative at (409) 898-3770