Frequently Asked Questions

If you have any questions regarding Palmetto Reward Points, please visit www.dreampoints.com/PalmettoCitizens.

Earning Points

CREDIT: You will earn one point for every $1 in net purchases you charge to your PCFCU Visa Credit Card.

DEBIT: You will earn one point for every $3 you spend on a transaction using the credit/ signature option.

Points are calculated by rounding up or down from the $0.50 mark. (example: $5.50 purchase earns 2 points on debit and 6 points on credit; $5.25 purchase earns 1 point on debit and 5 points on credit).

No points are earned on PIN-based transactions, returns, fees, international transactions, currency conversion charges, ATM withdrawals or insurance charges posted to your account.

Many times when you make a purchase with your debit card, you can choose "CREDIT" and bypass entering your pin number. Only debit card transactions processed without the use of your PIN will earn Reward Points, including transactions made online and by phone. Although it is rare, some vendors may process a transaction where you do not use a PIN with a debit transaction and will not earn points.

Your Reward Points are valid for 5 years (60 months). Your points can be redeemed up until that expiration date.

Viewing Point Balance

When you visit the Palmetto Rewards website for the first time you will need to provide your First and Last Name (as it appears on your card), your card number and your zip code. At this time, you will also create a username and password for future access to your account.

If you have forgotten your username/password, you are able to use the "Forgot User ID/Password" link on the login page to retrieve your information. Follow the instructions and verify your personal information to reset or receive your login credentials.

Redeeming Points

There are a variety of merchandise and travel options:

  • Travel: Redeem your points for airline tickets, hotel accommodations, rental car certificates, cruises and vacation packages to travel to destinations in the U.S. and around the world.
  • Merchandise: You can choose from over 600 brand-name items in the merchandise catalog. You'll find electronics, furniture, toys, sporting goods and more. Plus, shipping is free!
  • Gift Cards: Use your points and choose from a selection of gift card options from popular websites, retailers, restaurants and entertainment providers.
  • Login to your Palmetto Rewards account and select the item you would like from the online catalog. You can use the online ordering process and get your chosen item(s) shipped free or digitally transferred to your email account, if applicable.

No, there are no fees associated with this program or to redeem points. However, certain fuel and/or Federal Security fees may apply on travel.

Many merchandise and travel options will allow you to use points to cover a portion of the cost, and a credit or debit card to cover the remaining balance. Points are not available for purchase and the Palmetto Rewards website will notate items that require the full amount of points for purchase.

Yes, companion tickets are available at time of purchase. If you do purchase the additional ticket(s) using your PCFCU debit or credit card, you will earn DOUBLE points on the transaction.

Points are removed immediately from your corresponding Palmetto Rewards account once your PCFCU account is closed. Your account must be open and in good standing at the time your order is received for processing. PCFCU reserves the right to suspend your participation in the program until the account is in good standing.

Combining Points

You may combine your Palmetto Reward Points with any other qualifying Palmetto Citizens debit or credit card holder. Only members sharing your same last name (as it appears on your card) and address (on file with PCFCU) can combine their points through the rewards website.

Members can combine their Reward Points between their multiple accounts or with other qualified Palmetto Citizens members for greater reward options.

  • Combine with members sharing the same last name and address - Simply log into your account through the Palmetto Rewards website and click on Householding to combine points with one of your accounts or another member who shares your same address (on file with PCFCU) and last name (as it appears on your card).
  • Combine with members NOT sharing the same last name and address - Visit any one of our service center locations to complete the needed documentation. All parties must be present to make this request. Please bring a valid photo ID.

No, all combination of Palmetto Reward Points are FINAL. Points cannot be divided and placed back to individual accounts once they have been combined.

Once accounts are combined, any one of the account holders may redeem the collective points.

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.