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Earning Points

There is no limit to the number of points you can earn, so the more you use you credit or debit card, the more you reward yourself! No activation or fees are required to participate in this program.

The Palmetto Reward points you earn with your debit and credit card(s) will be combined, and you can even gift points to other members.

Your Reward Points are valid for 5 years and can be redeemed up until that period of time has passed.

Credit cards:

Earn one Reward Point for every $1 in purchases you charge to your Palmetto Citizens Visa credit card.

Debit cards:

Many times when you make a purchase with your debit card, you can choose "CREDIT" and not have to enter your PIN (Personal Identification Number). Debit transactions processed without the use of a PIN will earn one point for every $3 spent.

Further assistance

For more information on Palmetto Rewards, please log into your account online or with our app and choose 'Palmetto Rewards' from the menu.

*Points have no cash value. Points in this Program cannot be exchanged for cash or credit, may not be used with any other offer, promotion or discount, cannot be combined with cash to obtain an Award and cannot be earned from or transferred to any other rewards program, unless otherwise specified.

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© 2026 PCFCU

Routing Number: 253978617
Mailing Address: PO Box 5846,
Columbia, SC 29250

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Palmetto Citizens Federal Credit Union is federally insured by the NCUA.

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