Giving you even more.
You already buy stuff, right? Of course you do. So, why not get cash back in the process? It’s simple to do with our Purchase Rewards program.
To get started, you’ll just need:
- A CU of NJ Checking Account with our MasterCard® Debit Card
- e-Banking access or our mobile app for iPhone or Android app
Now, get yourself set up:
- Click to activate exclusive cash back offers at the types of places you like to shop.
- Shop online or in stores to redeem your offers by paying with your CU of NJ Debit Card.
- Enjoy cash back, deposited directly into your CU of NJ checking account at the end of the next month*.
Purchase Rewards FAQs
What is Purchase Rewards program?
This rewards program lets you earn rewards by using your CU of NJ debit card to purchase merchandise and services. Through this program, you’ll receive targeted offers to receive rewards on purchases based on how you shop. As a Cardholder, there is no limit to the rewards you can earn. So, the more you use your CU of NJ debit card, the more offers you can receive and the more rewards you can earn!
Where do I go to see offers for Purchase Rewards?
You can find offers on the home page of e-Banking beneath transactions in the transaction history or in the “rewards” section in the upper right part of the page. Offers can also be found on the account history page or the rewards summary page – or even on your CU of NJ Android or iPhone App. New offers will be labeled as “New Offers” until you click to activate them. Once clicked, the reward is “loaded onto” the associated debit card. All offers can be viewed by visiting the rewards summary page.
How do I redeem offers for Purchase Rewards?
Each offer is based on how you currently shop, so the offers that you receive are relevant! To redeem the offer, simply click on it to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward. Each offer has different details regarding when and where to shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read the details to determine how to redeem each offer and start earning rewards.
Do I need to use a coupon or code to earn rewards for Purchase Rewards?
Typically, you do not need a coupon or code to redeem an offer. Each offer has different specifications regarding when and where you shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read offer details to determine how to redeem each offer.
How long do I have to take advantage of an offer for Purchase Rewards?
Each offer has an offer period that was set by the merchant. You must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.
When do I receive the rewards for the offers I redeem for Purchase Rewards?
Your rewards will typically be deposited to your account the month after you redeem the offer. Since we do not share your personal information with retailers, we cannot credit your account immediately at the time of purchase. For example, any rewards you redeem in the month of September typically will be credited to your account at the end of October. If you would like to see the offers you have redeemed or the total value of the offers you have redeemed, please visit the rewards summary page.
If I have more than one account will I see the same offers on both accounts with Purchase Rewards?
Offers are matched on an account level, based on the purchases made with your CU of NJ debit card for that account. If you make different purchases with different accounts, you will see different offers in those accounts. You must use the CU of NJ debit card connected to that account to redeem the offers for that account.
Can I use any of my CUNJ’s cards to earn rewards with Purchase Rewards?
You have to use your CU of NJ debit card that is associated with the account that received the offer to earn rewards.
Why don’t I have any offers on Purchase Rewards?
Offers are based on how you currently shop to ensure the offers you receive are relevant. If you seldom use your debit card, you may not receive any offers until you begin using your card more. The more you use your CU of NJ debit card, the more chances you will have to receive relevant offers!
You may not be receiving any offers because you accidentally opted out of the program. If you cannot access the rewards summary page or don’t see the “rewards” section in the upper right part of the e-Banking home page, you are not enrolled in the rewards program. Please call Support to be opted back in.
What if I do not want to receive offers from Purchase Rewards?
You can opt out by clicking on the “Stop receiving all offers” link on the rewards summary page. This link can be found in the upper right part of the rewards summary page. If you opt out of the rewards program at this time but change your mind later, please contact Support and we will resume providing offers to you.
Is my personal information shared with retailers from the Purchase Rewards Program?
No. Your personal information is not shared with retailers. In fact, no personal information leaves CU of NJ.
Who administers the Purchase Rewards Program?
This program is administered through a third party. All personally identifiable information is secure and is not shared with the third party. Our third party partner will make best efforts to collect all of the rewards due to you and assumes all liability for the collections. CU of NJ is not liable for rewards, but will work with the partner to ensure a great member experience.
Is Purchase Rewards program free?
Yes, this program is free! There is no cost associated with this program, making it easy for Cardholders to earn rewards. This new rewards program is just another benefit of using your CU of NJ’s debit card.
If your CU of NJ checking account is closed prior to the scheduled deposit date, you will forfeit all rewards due that month.