Q: How do I earn rewards?
A:Offers are based on how you use your JHFCU Visa Debit Card. Most offers are tailored to your purchases to ensure they are relevant to you. The more you use your JHFCU Visa Debit Card, the more likely you are to receive offers. To earn cash back rewards, simply activate the offer by clicking on it. Each offer will have different qualifications and must be activated to qualify for the cash back reward. Once the offer is activated, use your JHFCU Visa Debit Card at the participating merchant to pay for the transaction before the expiration date.
Q: How do I activate an offer?
A:From the Ca$hPerks Summary page, click "View All Offers", then click on the offer to activate it. Once activated, simply make a purchase using your JHFCU Visa Debit Card (either PIN- or Signature-based) at the participating merchant. You must comply with the participating merchant's offer terms in order to redeem the offer.
Once clicked, the offer will move down to the “Accepted Offers” section meaning it is active and can be redeemed by using your JHFCU debit card at the merchant.
Details on the Offer are displayed when you click on it, noting the offer, the maximum cash back, other requirements or exclusions, and the expiration date.
Q: Do I need a code or coupon for an offer?
A:You usually do not usually need a coupon or code to redeem an offer. They are NOT required for in-person purchases. However, each offer has different specifications regarding redemption requirements and how much the member needs to spend. Offers that must be redeemed online are clearly specified and may include a redemption code. Members should read the offer details to determine how to redeem each offer.
Q: How long do I have to redeem an offer?
A:Each offer has an offer period set by the participating merchant. Offers must be redeemed before the expiration date. The expiration date can be found in the offer details section of each offer. Offers must be redeemed before they expire. Once an offer has expired it cannot be reinstated. Please review all offer details, including expiration dates, on the Ca$hPerks Summary page. Note, however, that some merchants repeat their offers, so if you had accepted an offer but had not redeemed it before the expiration date, the same offer may show up again—you would need to “accept” the new offer and then could shop at the merchant to earn a reward.
Q: Will all of my debit cards on my account be eligible for Ca$hPerks?
A:Only active checking accounts with an associated JHFCU Visa Debit Card are eligible for Ca$hPerks and are automatically enrolled, but all cards with access to that account are eligible.
Q: Can the joint owner on my account access Ca$hPerks?
A:Yes, joint owners have access to activate and redeem rewards as long as they have an active JHFCU Visa Debit Card on the account. Note, whoever redeems the reward first will see the offer convert to “earned”—it cannot be used separately by both owners.
Q: Someone I know received an offer I want. How do I receive that offer?
A:Since offers are based on personalized use of your JHFCU Visa Debit Card, you may not receive the same offers. Offers are typically based on the types of merchants you have visited in the past, and some are offered more widely than others. If you have dined out and used your JHFCU Visa Debit card at a particular restaurant, you may receive offers from other restaurants. If you shop at sporting goods stores, you may receive offers related to sports.
Q: Can I use a merchant's coupon or other discount at the merchant and still qualify for my Ca$hPerks rebate for an offer I have activated?
A:Yes, as long as the final amount paid with your JHFCU Visa Debit card meets the requirements of that offer after the coupon or discount is applied. For example, if the Ca$hPerks offer requires a purchase of $20, the amount of the purchase after the discount must be at least $20. If you are purchasing something that costs $30 and you have a $5 coupon from the merchant or another external source and use it, bringing the purchase amount down to $25, you will earn a Ca$hPerks rebate on the $25 transaction. If you were buying a $30 item and had a coupon for 50% off, reducing the transaction to $15, you would NOT qualify for the Ca$hPerks rebate for that transaction. You could of course shop again if it’s before the expiration period and earn the rebate if your purchase met the qualification.
Q: Is sales tax included in the amount for offers that have minimum purchases requirements?
A:Yes, the minimum amount includes the sales tax for that purchase. For example, if an offer requires you to spend $40.00 to qualify and you spend $38 plus $2.28 sales tax ($40.28), your purchase will qualify. Members should read the offer details carefully for each offer to determine any exclusions specific to that offer.
Q: Is there a Maximum Amount I can earn?
A:There may be a maximum reward on each individual offer specified by the merchant, but there is no maximum on the amount of total rewards you can earn in any given month or in aggregate as long as you are participating. Merchants do set some limits, so for example if an offer is for a 10% rebate with a maximum rebate of $15, if your purchase totals $160, you will receive the maximum $15 rebate. However, you can accept as many offers as you are presented, and if you use your card and earn the rewards, it will be added to your total amount credited.