Car on the road by the lake

UChoose Rewards® Program

You can earn points in more ways with your Novation Visa® Platinum Rewards Credit Card. Redeem these points for cash back, gift cards, travel, event tickets or merchandise—with our UChoose Rewards program, the choice is yours.

Plus, using your Novation Platinum Visa Credit Card with Rewards for your shopping needs means your points will add up fast! You'll earn 1 point for every $1 spent every time you use your card and sign for your purchases, and you'll earn even more when you shop at participating retailers. To learn about all the ways you can earn points, simply go to the UChoose Rewards website and type in the word demouser in the username and password fields, or see the Program Terms and Conditions.

1. What is UChoose Rewards?

Novation has partnered with UChoose Rewards to provide a rewards program that puts you in control. You'll earn points every time you use your Novation Visa Platinum Rewards Credit Card, and then choose your reward from the huge online catalog.

2. How do I earn points?

You earn 1 point for every $1 for each transaction when you use your Novation Visa Platinum Rewards Credit Card. Plus, earn even more points when you shop at participating retailers. Choose to shop in-store at national or local retailers or online through  Plus, there is no annual cap on the amount of points you can earn.

3. Where can I earn points?

You earn points everywhere your Novation Visa Platinum Rewards Credit Card is accepted.

4. When can I redeem my points?

It can take up to 40 days for your points to be credited to your account.  You must accumulate 2500 points before you can redeem your points.  After that, you can redeem for any number of items.  Look for your “Total Points” at the top of any page to see how many points you have available for redemption.

5. Can I share points with family members?

Yes, all cards within an account automatically earn points together.  

6. What can I redeem my points for?

It’s your choice!  You can choose from millions of options – whether it’s products, travel experiences, activities, event tickets, cash back, gift cards or more! Simply visit the “Redeem Points” page and click on the category that suits your interests.

We keep track of all the points you earn and will help you find just what you’re looking for when you’re ready to redeem. We even have a wish list that will help you track when you’ve earned enough to redeem for a specific item.

7. Will my UChoose Rewards points ever expire?

Yes. Points will expire 5 years from the end of the month in which they were posted.

8. Where can I view my point activity?

You can access the history of your point activity on the “Point Details” page.

9. What if I shopped at a participating retailer, but my points aren’t showing up?

It can take up to 30 days for transactions to appear on the “Point Details” page. If points from a qualified transaction do not appear after 30 days, contact us for assistance.

10. How much does it cost to participate?

There is no cost. Membership in UChoose Rewards is absolutely free for Novation Visa Platinum Rewards Credit Cardholders, so start shopping and earning today!

11. What if I have another question?

If you have other questions not answered here, you can contact us at