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What is uChoose Rewards?

uChoose is a credit card rewards program where you earn points for using your Visa® Platinum Rewards card.

With uChoose Rewards you can:

  • Access a large online catalogue of rewards including items like electronics, airline tickets, kitchen appliances, and more.
  • Earn 1 Point for every $1 you spend. 
  • Save while you spend with low monthly interest rates and no annual fees. 
  • Experience quick and convenient check outs when you add your card to your mobile wallet.

Visit to login and view the thousands of items you can redeem your points for. 

To learn more, check out the uChoose Rewards FAQ.

Special Rewards Promotion

Reward yourself with this great offer:

From now until the end of June, every purchase you make at a home & garden store with your Visa® Rewards card earns you 5X the reward points.* 

  • Home Supply Stores & Warehouses
  • Nurseries & Flower Shops
  • Lawn & Garden Supply Stores

Whether you're sprucing up your living space, preparing your garden for summer, or tackling a DIY project, your Visa® card is your companion for all your spring projects.

Questions? Call our Member Support or click the Live Chat button on the corner of your screen. 


Have a Visa® Platinum Card but aren't earning rewards?

You can upgrade your card without any application or credit check. Call our Member Support or click the Live Chat button to get started and start rewarding yourself. 


*Earn 5X the uChoose Reward Points at Home Supply Stores/Warehouses, Nurseries, and Lawn & Garden Supply Stores during the period of 5/1/2024 – 6/30/2024, when using your HRCU Platinum Rewards Credit Card. Maximum bonus reward points earned during promotion period is 5,000 (five thousand). After maximum bonus points have been earned, purchases will continue to earn the standard rewards points of 1 (one) point per $1.00 spent. Home Supply Stores/Warehouse purchases include online and in store purchases at home improvement retail stores, and building supply stores (i.e. hardware, lumber, flooring, and paint stores). Purchases made through third parties such as contractors may not qualify. Nurseries, and Lawn & Garden Supply Store purchases include online and in store purchases at garden, lawn, and nursery supply stores. Purchases made through third parties or non-qualifying merchants may not qualify. Purchases must be made with merchants in the United States. To qualify for 5X the uChoose Reward Points, the purchase date must be on or before 6/30/2024. For online purchases, the transaction date from the merchant may not be the date of the purchase, but instead the date when the item ships. Qualifying merchants are determined by Merchant Category Code (MCC). Merchants and processors are assigned an MCC based on their standard products and services. HRCU is not responsible for assigning MCC codes to merchants and has no control over what MCC is assigned to a merchant. Transactions performed at merchants that are not assigned the following MCC codes are not eligible for promotional points: 5039, 5193, 5200, 5211, 5231, 5251, 5261, 5713, and 5992, and will instead earn the standard reward rate of 1 point per $1 spent. HRCU reserves the right to adjust or shut down this promotion at any time.

Pay with Points on Amazon

Now, it's easier than ever to shop for millions of items at

Just use your Visa® Platinum Rewards card at checkout to cover all or a portion off your purchase.

It's easy to get yourself set up:

  1. Use this link to login to your Amazon Account.   
  2. Click "Enroll a new rewards account" and enter your Visa Platinum Rewards card information. 
  3. Click "Add your card" and enjoy your new Amazon shopping experience. 

Read our Pay with Points FAQ to learn more.

Questions? Call our Member Support or click the Let's Chat button. 

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