By activating Pay with Rewards™, you can receive a reimbursement for all of your purchases where you want, when you want. A credit is applied to your account.
Pay with Rewards is available when you login to your Empower FCU account and select the Rewards Widget, as well as within in your mobile app.
Within the Rewards Widget, you may select to apply the number of points you have available to your next purchase. When you enable Pay with Rewards, you can set the minimum cash amount. Then your very next transaction for the card selected that is greater than the minimum will trigger a pay with rewards reimbursement on your credit card statement.
Would you like to only redeem part of your rewards balance when making a purchase? If so, simply set your pay with rewards account to “Enabled only for next Transaction”. Select Pay with Rewards on next purchase and ask the merchant if you can divide your purchases into two separate transactions. The first transaction they process will generate the Rewards Reimbursement. The second will not impact your rewards point balance.
Important Pay with Rewards Information
When using Pay with Rewards the credit is based on the authorization amount. This is important to understand when using Pay with Rewards at gas stations and restaurants. Gas stations frequently authorize for $1 prior to pumping gas. Restaurants receive authorization for the amount of the bill not including the tip. Therefore, your pay with rewards credit in either of these instances may be different from the amount of the actual transaction.
Note: Funds must be available on the credit line for the full purchase total. Pay with Rewards will display as a credit after the transaction posts.
How to Use Pay with Rewards: