WorldPoints Rewards for BusinessTM Card Program Rules
Companies that apply for and receive WorldPoints Rewards for BusinessTM credit card(s) are automatically enrolled in the WorldPoints® Rewards program (the "Program"). All Points earned by the Cards will accrue to the Company unless the Company designates otherwise (see below).
FIA Card Services, N.A. (also referred to as "our," "us," or "we") sponsors the Program.
Independent third parties manage the travel, merchandise, and gift card/certificate rewards portions of the Program. FIA Card Services, N.A. manages the cash rewards portion of the Program. LesConcierges, Inc. ("Les Concierges") manages the MyConciergeSM personal concierge service ("MyConcierge").
"You" or "your(s)" means the Company, the Guarantors, and/or the Cardholders (if the Cardholders are designated to accrue Points) under a WorldPoints Rewards for Business credit card account ("Account"). A Guarantor may, but need not, be a Cardholder.
The Guarantor may identify to us an individual who shall be an Authorized Contact to perform certain functions on behalf of the Company as described in these Program Rules.
The Account may include one or more business credit cards ("Card(s)") issued in connection with the Account. The Points earned by all of the Cards will accrue at the Company level, unless we are directed by the primary Guarantor or the Authorized Contact to accrue Points at the Cardholder level. A diversion account will not earn Points.
You may earn and use WorldPoints points ("Point(s)"): to obtain car rental and hotel rewards in the United States; U.S. and worldwide air travel rewards; cruise related rewards; a variety of specially selected travel rewards; merchandise, gift card or gift certificate rewards, or cash rewards (collectively, "Rewards"); as full payment for goods or services available through us, the WorldPoints Redemption Center, or the MyConcierge service.
A complete selection of Rewards is displayed online at www.fiabusinesscard.com/worldpoints (the "Site") and, upon request a letter including an abridged selection of merchandise Rewards will be mailed to the address on file. Cash Rewards are obtained through FIA Card Services, N.A. Travel, Merchandise, and Gift Card/Certificate Rewards are obtained through independent third parties. Rewards obtained through the MyConcierge service and Ultimate Access Rewards are fulfilled by third-party suppliers.
Review and keep this document ("Program Rules"). The Program Rules are separate from the terms of your Business Card Agreement ("Card Agreement"); however, any Claim arising from participation in the Program is subject to the Arbitration provisions of the Card Agreement. From time to time we may change the Program Rules. When any change is made, we will post revisions at the Site and/or we will notify you in writing, as applicable. It is your responsibility to review the Program Rules to be aware of any changes. By our furnishing a copy of these Program Rules to the Company, any Guarantor, or any Cardholder, the Program Rules are deemed disclosed to all Guarantors, Cardholders, and the Authorized Contact of the Company.
1. To participate in the Program, the Company and Guarantor(s) must have an Account that is open and has charging privileges, and each Cardholder must be authorized by the Company to maintain and does maintain a Card that is open and has charging privileges.
All fees assessed under these Program Rules are subject to change and are payable as follows:
2. Point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns, and adjustments) charged to the Card during each periodic billing cycle ("Billing Cycle") by the Cardholders(s) ("Net Purchase(s)"). Earn 1 Point for each Net Purchase dollar. Points are calculated at each transaction, rounded to the nearest whole Point, and are subject to verification.
The following transactions are not included in "Net Purchases" and, therefore, do not earn Points: Cash Advances of any kind, Balance Transfers, Quasi-Cash transactions of any kind, finance charges, any other fees and charges, all as defined in the Card Agreement; online payments made through the Payment Center; and unauthorized transactions, including those made with a lost, stolen, canceled, or fraudulent Card.
Points can be accumulated either at the Company level or at the Cardholder level. A Guarantor or Authorized Contact may direct us to change the accumulation level from Company-level to Cardholder-level or from Cardholder-level to Company-level. If such a change is directed, it will only affect Points that are earned after the date of the change.
From time to time, special promotions may feature Bonus Points. Details will accompany the offer.
If this Account is eligible for First-Use Bonus Points, they will be awarded as follows: for Company-level Points accumulation, the Points will be awarded to the Company account; for Cardholder-level Points accumulation, the Points will be awarded to each Cardholder upon the first use of the Card, or as otherwise provided in a separate communication. A Company is entitled to only one award of First-Use Bonus Points, i.e., either at the Company level or at the Cardholder level, but not both.
3. For new customers, accrual of Points may begin on your Enrollment Date. Enrollment Date means the date we mail the Card and the Card Agreement to you. If you are an existing business credit card customer, a Guarantor or Authorized Contact may request to enroll the Account in the WorldPoints program. In that instance, the Enrollment Date is the date we process your request.
Points expire five (5) years from the end of the Billing Cycle during which the Points were earned.
4. Information about Points earned under the Program is available on your monthly billing statement and online at the Site. Any Points displayed on your monthly billing statement and online at the Site are subject to adjustment in accordance with these Program Rules.
Points accrue daily, i.e., the Points related to a transaction are eligible for use on the day the transaction posts to your Account.
We shall have no liability for disagreements between Cardholders or Guarantors regarding Points.
You must notify us promptly of any apparent Points discrepancy, but in no event later than 60 days from the date the transaction for which an adjustment is sought is posted to your account. Otherwise, Points earned will be deemed accurate and you will have waived any claim for adjustment.
Discrepancies about Point earnings are not treated as credit card billing disputes. Refer to your Business Card Agreement for details about billing disputes. Our decisions regarding Point discrepancies shall be final.
With the exception of their use in connection with obtaining the specific Cash Rewards described above, Points have no intrinsic cash value, are nonnegotiable, are not your property, and cannot be redeemed for any benefit except those Rewards designated by us.
Unless specifically permitted by these Program Rules or authorized by us, Points and Rewards may not be combined with other discounts, special rates, promotions, or other reward programs offered by us or any other entity, including airline frequent flier, hotel frequent guest, or other travel-related or membership reward charge or credit card programs, whether in the U.S. or abroad.
Except as permitted in these Program Rules, Points may not be brokered, bartered, attached, pledged, gifted, sold, or transferred to anyone else under any circumstances, including, but not limited to: disability, death, upon operation of law, or in connection with any domestic relations dispute and/or legal proceeding.
A Guarantor or Authorized Contact may transfer Points from any Card to the Company or to a GuarantorÕs Card. A Cardholder may transfer Points between the CardholderÕs eligible WorldPoints credit cards. A fee may apply for any transfer. A Cardholder may request as many transfers as desired up to the available Points balance. A Points transfer will take effect on the day the Cardholder requests the transfer. The transferred Points must be redeemed on or before the transferred expiration date (90 days from date of transfer) and transferred points in the receiving account not redeemed by this date will expire and cannot be reinstated. If the Cardholder transfers Points to a Card from another eligible WorldPoints account, the Cardholder should understand that a Guarantor or Authorized Contact may transfer or redeem those Points from the Card.
If your Account is open and in good standing, you may purchase extra Points in 1,000-Point increments by calling the WorldPoints Redemption Center. You may purchase up to a maximum of 10,000 Points per billing cycle. A fee may apply. Any extra Points purchased are subject to the Program Rules, including those concerning Point expiration.
5. To obtain Travel Rewards, Merchandise, Gift Card/Certificate Rewards, go to the Site or call the WorldPoints Redemption Center at 1.888.245.7225. To obtain Cash Rewards, please go the Site or call 1.800.892.3219. To redeem Points for Rewards available through the MyConcierge service, or to make requests through the MyConcierge service without redeeming Points, go to the Site or call the MyConcierge service at 1.888.245.7225 Redeemed Points are deducted from your Points balance as of the date you request a Reward. A Guarantor, Authorized Contact, or the Cardholder may redeem and/or transfer Points accumulated on the CardholderÕs Card. A Guarantor or an Authorized Contact may redeem and/or transfer Points accumulated at the Company level. Decisions made by us regarding Points redemption shall be final.
Neither FIA Card Services, N.A., nor any of the independent third parties shall have any liability for fulfilling Reward requests in good faith in response to any person claiming authority on your behalf.
6. Points redeemed for a Merchandise Reward may be credited back to your earnings if the Reward is returned in a timely fashion and in accordance with the procedures we specify. Travel Rewards, Gift Card/Certificate Rewards, and MyConcierge Rewards are considered fully redeemed once issued. No refunds, credits, or substitutions will be issued if improper proof of citizenship or naturalization result in denied boarding or entry when using a Travel or MyConcierge Reward.
Cash Rewards are fully redeemed once a check has been issued and mailed to you. We shall not be responsible for lost, stolen, or undelivered checks and substitute checks will not be made available; however, your Points will be restored as set forth in the Cash Rewards section.
Once a Reward is issued and the value of any transaction(s) forming part of any or all of the Points used to obtain the Reward is either refunded, credited, or otherwise rescinded, we may, at our discretion, cancel reservations, void travel documents, interrupt the shipment of merchandise, stop payment on any check(s), and/or withhold subsequent Points, or collect any amount(s) you owe, in any appropriate manner, including, but not limited to, the posting of an equivalent dollar debit in the form of a cash advance transaction to your Card.
7. If you voluntarily close the Account, you will no longer earn Points, but if the Account remains in good standing, you will have up to 60 days to redeem any Points in accordance with these Program Rules.
If we close or restrict the Card Account for any reason, or you terminate participation in the Program, or you violate the Program Rules, or you convert your Card Account to another account that is not eligible for the Program, you will no longer earn or redeem Points and all unused Points will be immediately and irrevocably forfeited. However, if your Card Account is closed because the Card was reported as lost or stolen (subject to verification), and a new Card Account is opened for you, we will transfer any existing Points from your old Card to the new Card.
We reserve the right to disqualify anyone from participation in the Program, refuse to award or redeem Points, forfeit your Points, and/or close your Card if, in our sole judgment, you or any other person(s) using the Card, have violated any of the Program Rules, including but not limited to acts of fraud or other abuse.
You are responsible for all transactions and other activities resulting from the use of your WorldPoints Card accounts. You must immediately notify us of any actual or suspected unauthorized use of your WorldPoints Card accounts.
8. We may, at any time, without prior notice, (a) change, limit, or terminate any aspect of the Program; (b) terminate the Program in its entirety (c) amend the Program Rules, benefits or features, in whole or in part; (d) discontinue or replace any Reward with a similar one of lesser, equal, or greater value; (e) modify, delete or terminate any or all of the Program, the Program Rules or any portion thereof, any or all of the participating partners (if any), Rewards, benefits, or special offers if applicable; or (f) terminate a CardholderÕs participation in the Program for any reason. Changes may affect outstanding transactions and Points, and may include, but are not limited to, the earnings rate for Points, the number of Points required to redeem Rewards, the number of Points required for any Reward, the type of transactions qualifying for Points, the type or value of Rewards, the expiration date of Points, and the maximum number of Points that may be earned per month or year, or otherwise, if applicable. Any of the foregoing actions may be taken even if such actions affect the value of Points already earned. The program is not scheduled to end on a predetermined date.
9. We are not responsible for delayed or lost correspondence sent by U.S. mail or any other form of delivery, including e-mail. We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, theft, destruction, or unauthorized access to, or alteration of Points accrued and redeemed or other Program activities.
10. Suppliers of goods and services are independent contractors and are neither agents nor employees of FIA Card Services, N.A., Visa U.S.A. Inc., MasterCard International Inc., or any of their affiliates; or any group, organization, or entity endorsing a credit card program issued by FIA Card Services, N.A.
FIA Card Services, N.A. neither offers, endorses, nor guarantees any of the goods, services, information, or recommendations provided by third parties to you.
11. Independent third parties manage the Merchandise and Gift Card/Certificate Rewards portions of the Program.
An independent third party travel agency, registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington (6011237430) and other states, as required, manages the Travel portion of the Program.
The Cash Rewards portion of the Program is managed by FIA Card Services, N.A.
The MyConcierge Rewards portion of the Program is managed by LesConcierges, Inc.
12. You hereby release FIA Card Services, N.A., the independent third parties, LesConcierges, and each of their respective affiliates and subsidiaries from all liability for injury, accident, loss, claim, expense or damages sustained by you, and in the case of a Travel or MyConcierge Reward, anyone traveling with you or without you, in connection with the receipt, ownership, or use of any Reward.
The foregoing entities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the Reward. We are not responsible for typographical errors and/or omissions in any Program document.
13. You are responsible for determining any tax liability arising from participation in the Program. Consult your tax advisor concerning tax consequences.
The Program is subject to government approval and is void
All aspects of the Program are governed by the laws of the State of Delaware, without any reference to its choice of law provisions.
Basic Air Rewards
The number of Points and corresponding MDV required for coach-class Basic Air Rewards are: within the 48 continental states of the U.S.: 25,000/$400; from the 48 states to Canada, Mexico, or Puerto Rico: 35,000/$600; from the 48 states to Alaska, Hawaii, the Bahamas, Bermuda, or the Caribbean: 45,000/$600; from the 48 states to Europe: 60,000/$800; and from the 48 states to Central or South America, Asia, Africa, or the South Pacific: 85,000/$1,150. The number of Points and corresponding MDV required for first- or business-class Air Rewards from the 48 states to any location listed above, are: 100,000/$1,500; 135,000/$2,000; 200,000/$3,000; 265,000/$4,000; 335,000/$5,000. References to the 48 states include travel to the District of Columbia. Round-trip ticketing must be made through the WorldPoints Redemption Center on the same U.S. carrier and be approved by the Airline Reporting Corporation. Unless redeeming Points for first- or business-class travel, the ticket will be coach-class and the lowest fare available through the travel provider at the time of booking.
Reservations and ticketing require at least 21 days' advance notice and must include a Saturday night stay. Most international travel: stay at least 7 but no more than 30 days. Check requirements when booking. Stopovers of more than 4 hours are not permitted and there is no limit on connections. Actual travel dates/times are subject to availability of coach-, business-, or first-class airfare, as applicable. Air Rewards are not refundable (see General Terms, Paragraph 5, above). Miscellaneous costs, including, but not limited to, excess baggage, gratuities, insurance, and airline amenities, are your responsibility.
Car Rental & Hotel Rewards
Rent any size vehicle for any number of days with pickup and return to the same rental location within the U.S., using Points and in some instances, Points in combination with the use of the Card. 5,000 Points = $50 MDV.
Hotel Rewards are available at participating properties in the U.S. Use your Points, and in some instances, Points in combination with the use of the Card to obtain accommodations. 5,000 Points = $50 MDV.
For every 5,000 Points you use to obtain an eligible car rental or hotel reward, you will receive a $50 credit toward the cost of the rental of any available vehicle or toward the cost of the hotel accommodations. Redeem as many $50 credits as you choose toward your car rental or hotel award arrangements. For example, if the cost of the car rental or hotel reward is $140 and you have 15,000 Points available to redeem, you may use two (2) $50 credits and charge the remaining $40 to your Card, or you may use three (3) $50 credits. In the case of the latter, your account will not receive credit of any kind (e.g., monetary credit or Points) for unused Points. Points are redeemable only in increments of 5,000. Advance reservations of at least 7 days are required and all travel arrangements are subject to availability. Miscellaneous costs are your responsibility. No minimum stay requirement.
You must meet credit, age, and driver requirements in effect at the time and place of car rental or at the time of reservation or check-in. We process a credit transaction to your Card within five business days after you make your reservation. The credit will equal the MDV of the Points you have used to obtain the rental, or the actual cost of the Reward, whichever is less. Present your Card upon arrival and when returning the vehicle or upon arrival and when you check out. When you return the vehicle or check out, a debit transaction equal to the dollar value of the complete rental cost or the total dollar value of your room bill will be charged to the Card by the rental agent or the hotel. Costs not covered by the Car Rental Reward (e.g., optional charges, including but not limited to refueling, optional/supplementary liability insurance, personal effects coverage and loss damage waiver, dropoff charges, late return fee, additional driver fee, and/or excess mileage fees; or you upgrade the vehicle category, personal charges, food and beverages, additional person(s), and other optional and incidental expenses, or you upgrade the room category) will be included in the debit transaction and are your responsibility: you earn Points for additional costs charged to the Card. If you do not use the Reward the credit adjustment remains but Points used to obtain the Reward are not reinstated.
Discount and shipboard credit rewards may not be available on all cruise lines, check at the time of reservation. Cruise-related Rewards may not be used retroactively or to pay the cost of cruise deposits. The cruise discount will not be effective until you have tendered final payment for the travel arrangements. The appropriate number of Points you wish to redeem will be deducted from your total Points earnings when you authorize the billing of the deposit for the reservation to your Card. The amount of the discount may not exceed the total cost of your cruise arrangements.
Miscellaneous charges, including, but not limited to beverages and meals; port charges; taxis and other ground transportation; items of a personal nature (e.g., laundry, dry cleaning, telephone, telefax, internet fees, photographs, medical services, spa services, etc.); excess baggage charges; gratuities; insurance and any other carrier amenities are not eligible for direct offset with the use of cruise-related Rewards, unless such charges are included in the cost of the travel arrangements as quoted by the cruise line operator, or, if such charges are to be paid through use of your shipboard credit portfolio.
There are no exchanges or refunds for no-shows or unused portions of travel arrangements obtained with the use of cruise-related Rewards. If you cancel your travel plans and cancellation fees are assessed, those fees shall be payable with your Card. Cruise-related Rewards cannot be used to pay any portion of cancellation fees. Once a deposit has been paid, we reserve the right to charge you a cancellation fee. If the cruise operator cancels the cruise you have booked, then all or part of the Points used in connection with the booking may be reinstated to your Points earnings at your request. Points which have been reinstated under these circumstances will expire in accordance with the terms of the Program.
Special Travel Rewards
Merchandise and Gift Certificate Rewards
Redeem Points for merchandise, gift cards or certificate selections at the Site or from the current printed pamphlet. The selection of items and the number of Points needed to obtain them may change at any time. Rewards are shipped prepaid. Subject to authorization, returns or exchanges must occur within 10 days of your receipt of merchandise rewards and we pay shipping when we arrange returns of unsatisfactory, damaged, or defective Rewards.
Rewards are subject to availability. Goods of equal or similar value may be substituted if the item you select is unavailable. Featured goods may not necessarily reflect exact colors or models due to printing variation and/or manufacturers' model or style updates or photo facsimile used for general representation of merchandise. Restrictions may apply to the availability of some Rewards, such as federal, state, or local regulations or minimum age requirements. Purchase protection or extended warranty coverage associated with your Card is not applicable to Rewards. Warranty, service and/or support for goods may be available to you directly from the merchants, not from us or the third parties.
Most stock items ship within 48 business hours from receipt of your order, unless advised otherwise. Rewards are sent to street addresses, no PO Boxes. Requests for delivery outside the continental U.S., or expedited delivery, are subject to additional shipping charges, if the service is available. Complete details about shipping, including information about direct shipments from suppliers; large freight items; damaged or incomplete shipments, and details about exchanges and refunds are found at the Site and by calling the WorldPoints Redemption Center. Gift card or certificate expiration dates vary by independent retailers. A gift card or certificate must be surrendered at the time it is used, and no photocopies or other facsimiles of a gift card or certificate will be honored. Each merchant has the right to place restrictions on the use of its gift cards or certificates. Any additional costs, if applicable, for taxes, gratuities, alcoholic and nonalcoholic beverages are left to the discretion of the merchant. The merchant determines the disposition of unused portion(s) of gift cards or certificates. Gift cards and certificates are not exchangeable, refundable, transferable, or redeemable for cash and cannot be replaced if lost or stolen. Any unused portion will not be returned as cash unless it is the policy of the merchant to do so. Gift cards/certificate rewards are void where prohibited by law. Use of any gift card or certificate is subject to any additional restrictions contained on or with the card or certificate.
Redeem Points for a variety of Cash Rewards either at the Site or by telephoning us. A Cash Reward shall be issued for a pre-determined U.S. dollar sum in the form of a check or an electronic deposit to a checking or savings account of your choice. Cash Reward checks are not issued automatically, checks will be issued only upon request of the Cardholder, Guarantor, or Authorized Contact. The check will be made payable to (1) the Company for Points accumulated at the Company level, or (2) the Cardholder for Points accumulated at the Card level. Each check is mailed to the payeeÕs billing address via first-class U.S. mail within fourteen (14) business days of receipt of the request. Requests for multiple checks are processed and mailed separately. Each check will be valid for ninety (90) days from its date of issue. The expiration date will appear on the check. A check that is not presented for payment before the expiration date will be void and the Cash Reward will then be awarded as a statement credit posting to the applicable Account, if active, within two Billing Cycles following the expiration date and will be applied to your existing balance with the lowest priced Annual Percentage rate (APR).
If your Card is closed before a check is drawn or a statement credit appears, then the Cash Reward will be forfeited (except if your Card has been reported as lost or stolen, subject to verification). Receipt of a Cash Reward check or the appearance of a statement credit does not affect your responsibility to pay your Total Minimum Payment shown on each Statement you receive from us (see General Terms, Paragraph 4, above). There is no yearly limit to the number of checks you may receive.
If you redeem Points for an electronic deposit to a checking or savings account, the deposit will be sent by us to the checking or savings account you have indicated within fifteen (15) business days. Electronic deposit redemptions are final once processed. If an electronic deposit is rejected for any reason from the date it was sent to your designated Financial Institution account, the deposit will be considered void and the Points used to obtain the Reward will be reinstated to your Card. If your Card is closed before the Points can be reinstated to your account, then the Cash Reward will be forfeited (except if your Card has been reported as lost or stolen (subject to verification). We cannot guarantee that your Financial Institution will accept an ACH from us on your behalf. If an electronic transfer is refused for an reason, we will notify you via email within 15 days of your request to the email address designated by you at the time of your redemption.
Currently available Cash Rewards and their respective Point requirements are:
Redeem Points for goods and services available through the MyConcierge service. Points may be used as full payment to obtain a Reward through the MyConcierge service. If the Points value of a Reward through the MyConcierge service exceeds your Points available, you may pay the difference between the cost and your Points available to obtain the Reward. Rewards may be subject to special terms and conditions that will be disclosed when the goods and/or services are requested. Special terms may include the reward supplier's cancellation and refund policies. We will determine the specific Point redemption level based on the dollar value of each reward.
MyConcierge Personal Concierge Service
FIA CARD SERVICES, N.A. AND LESCONCIERGES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, ACCOUNTANTS, ATTORNEYS, AGENTS, AFFILIATES, SUBSIDIARIES, SUCCESSORS AND ASSIGNS, SHALL NOT BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR CONNECTED WITH (I) YOUR USE OF MYCONCIERGE OR (II) ANY OTHER SUBJECT MATTER OF THIS AGREEMENT. Some states do not allow the disclaimer of warranties or the exclusion of liability for consequential damages, so the above limitations may not apply to you in all cases.
If you make a purchase using the MyConcierge service without redeeming Points, it is your responsibility to make full and timely payment. FIA Card Services, N.A. and/or LesConcierges, Inc. shall not be responsible for any consequences due to your failure to remit payment. If there should be an error in the information provided by the MyConcierge service to the merchant it is still your responsibility to pay for the purchase, unless the purchase was made solely with the use of Points.
WorldPoints and the WorldPoints Design are registered trademarks of FIA Card Services, N.A. MyConcierge is a service mark of LesConcierges, Inc., and is used by the issuer pursuant to a license. All other company, product, and service names may be trademarks or service marks of others and their use does not imply endorsement or an association with this program.