What is Pay With Points?

Pay With Points allows you to redeem points towards specific Visa credit transactions. You can choose the transactions you’d like to redeem points for on the ECU Credit Card Rewards website. Or you can sign up to receive text or email notifications when an eligible transaction has occurred, allowing you to instantly redeem points by responding to the text or through one click in the email.

How do I use Pay With Points Real-Time Notifications?

Complete your preference profile on our registration site and respond to the opt-in text or email you receive. Based on your preferences and if you have sufficient points, you will receive a text or email every time you make a qualifying purchase. Simply reply “REDEEM” via text or click the redemption button in the email, and your points will be redeemed and a credit for that purchase will appear on your monthly billing statement.

When will my statement credit appear on my account?

Please allow up to ten business days for your statement credit to appear.

Can I still redeem if the text or e-mail message delivery is delayed?

The text or email is sent when the qualifying purchase is made, giving you 24 hours to respond and redeem points. Or choose the transaction you wish to redeem points for by visiting the ECU Credit Card Rewards website's ‘Select & Credit’ section.

Do I need to make the required minimum payment if I received Pay With Points statement credits?

Yes, credit card payment requirements are governed by your cardholder agreement.

Can I use multiple phone numbers in the same household for Pay With Points?

You may only assign one 10-digit U.S. mobile number per household or account.

I received multiple Pay With Points messages after consecutive purchases. Can I redeem them all?

You may only redeem against the most recent email or text message received. However, you may visit the Pay With Points section of the ECU Credit Card Rewards website and choose the ‘Select & Credit’ option for unredeemed qualifying transactions from the past 45 days.

Can I register multiple accounts for Pay With Points using the same phone number?

Yes, you may assign a 10-digit U.S. mobile number to all eligible accounts in good standing.

Why didn't I receive a text message for my purchase?

Certain categories of transactions, such as dining or gas stations, may not receive a message due to the authorization process needed. You must also have enough points in your account to cover the redemption, and the transaction must fall in the categories and dollar threshold you have selected. Some dining transactions may not include the tip when processed, which may impact the transaction’s inclusion based on your dollar threshold.

Will I receive Pay With Points emails or texts for international transactions?

You will receive a message if the international merchant transaction qualifies and is coded under a category and dollar threshold you have selected. Please note that not all international merchant transactions may be processed due to differences in categorization by the processor and foreign exchange rates. Your statement credit may also vary from the exact transaction amount due to foreign exchange differences.

Will I receive notifications while I am traveling internationally?

Yes, you will receive notifications for qualifying transactions. Please consult your mobile carrier for any applicable SMS charges that may apply during your travel.

Will I receive Pay With Points emails or texts for my auto bill pay transactions?

If the transaction falls within your preferences and dollar threshold, and you have enough points to redeem against it, you will receive a notification.

Why is my statement's Pay With Points credit different from my transaction amount?

The statement credit may differ from your final purchase amount if the transaction includes gratuity, fees, estimated taxes, or foreign exchange.

How do I stop receiving texts or emails for Pay With Points?

You may opt out of texts at any time by visiting the ECU Credit Card Rewards website, by texting 'STOP' in response to a notification, or by calling Eastman Credit Union at 888.209.0352.

You may opt out of emails at any time by visiting the ECU Credit Card Rewards website or by calling Eastman Credit Union at 888.209.0352. 

Please note that you may still receive messages up to 24 hours after you opt-out.

My points are combined with my significant other's; will I be notified of their purchases?

Yes. If your transactions qualify to earn combined points under a program, the household member who has opted to receive messages will receive notification for any qualifying Visa credit transaction.

Why is my transaction not displaying for redemption on my loyalty program website?

Transactions start being collected when you first visit the ECU Credit Card Rewards website or opt-in for notifications; transactions before this date will not be displayed. Transactions that are not of the amount or in categories allowed by your program will not be displayed. And you will only ever see qualifying transactions for which you have enough points to redeem.

Are there limits on purchase amounts that qualify for Pay With Points?

Yes, purchases between $50 and $250 may qualify.