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ScoreCard Rewards FAQs

Business Credit Card with ScoreCard Rewards FAQs

Questions And Answers

How do I apply for the new Business Credit Card with ScoreCard Rewards?

To apply, simply visit a Banking Office near you, contact your relationship manager or call 703-584-3400. 

 

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Why do you ask for my employee’s personal information, including SSN, on the application?

As a financial institution, we are required to know our customers.  This includes asking for personal information such as address, date of birth, and Social Security Number.  Please note that we qualify the credit based on the owner’s credit score, not the employees, and will not pull a credit report on the employee to whom a card will be issued.

 

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How does the individual monthly spend limit work in relation to the overall company credit limit?

During the application process, you will identify the monthly spending limit for each employee.  These monthly spending limits will roll-up (and not exceed) the overall company credit limit.  Note that if an amount carries over (is not paid in full each month), that employee will still be able to make purchases based on their independent monthly spending limit, but it may impact the monthly spending limits of other cardholders at your company. 

 

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I already have a business credit card. Can I move to the new Business Credit Card with ScoreCard Rewards?

Absolutely.  Simply contact your business banker (relationship manager or Branch Manager) and request the new card.  We will provide you with the new Business Credit Card application to complete.  Upon approval, we will transfer the current Cardinal Business Credit Card balance(s) to the new Business Credit Card with ScoreCard Rewards account.

 

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How does the combined statement work?

The combined statement will include the overall company-level balances as well as the individual cardholder transactions.  The statement will be delivered to a central address (typically the business main address) for payment processing.  Memo statements are available to individual cardholders.

 

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What is a memo statement?

A memo statement is a transaction-only statement that each cardholder can receive, if requested on the application.  Each cardholder can use this statement to reconcile their transactions for your Accounts Payable Department.  However, it is not used to submit payments.  Payments are submitted via the combined statement. 

 

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How do I enroll in the Business Credit Card ScoreCard Rewards program?

There’s nothing you need to do to enroll in rewards.  All new Business Credit Card with ScoreCard Rewards customers are automatically enrolled.

 

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What types of rewards can I earn?

There is a wide variety of rewards available for redemption. These include:

• Travel

• Merchandise

• Cash back (in the form of a statement credit)

• Charitable donations in gift card form

 

 

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Where can I get a complete list of available merchandise awards?

The ScoreCard Rewards Program has a complete list at www.scorecardrewards.com. 

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How do I earn points?

Simply use your ScoreCard Rewards participating card, for your purchases. You will earn points based on your qualifying net purchases (purchases minus returns and/or other related credits). You will earn points as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended or otherwise inactive and not available for use as a source of funding). You do not earn points for cash advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Credits to your Account (such as for returns of purchases) will reduce the points available in your account.

 

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How do I redeem Rewards points?

You can redeem Rewards points by visiting scorecardrewards.com. Customers can also redeem points by calling 1-800-854-0790.

 

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How do I log in to the ScoreCard Rewards website?

On your first visit to the site www.scorecardrewards.com, you will need to set up your profile with a username and password. You will also be asked to set up some security question and answers for password retrieval. Once you create your profile you will log in with your username and password. You may browse the rewards site by clicking on the “Browse Catalog” link from the log in page. Point balance and redemption capabilities are not available in the browse feature of the site.

 

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Can I earn cash back?

Yes.  You can redeem points for cash which is applied to your outstanding principle statement balance.

 

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Are there any options other than a statement credit for cash back redemption?

No. A statement credit is the only way to redeem a cash back reward at this time.

 

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How do I redeem Points for charitable donations?

Charitable donations are done in the form of gift cards through a vendor called Charity Choice. You select the charitable gift card option on scorecardrewards.com and then designate the gift card recipient and the charity in which you would like to contribute to. You also have the option to leave the benefiting charity selection up to the gift card recipient. Gift cards are then redeemed using a redemption code on the Charity Choice website (charitygiftcertificates.org/redeem).

 

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Are there any additional fees for the chip (EMV) technology?

There are no additional fees for EMV technology either for the primary card or additional cards. 

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Will the chip technology affect employee card expense tracking?

EMV chip technolgy will not affect expense tracking tools. 

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Where and how can chip cards be used?

The EMV card can be used anywhere that accepts Visa Credit Cards. Instructions on using the EMV chip card include:

  1. Insert the chip end of your card into the terminal
  2. Keep your card in the terminal throughout the transaction until the machine prompts you to remove the card 
  3. Then sign for the purchase and take your receipt

 

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