What is DCU Merchant Rewards?
DCU Merchant Rewards is a Digital Federal Credit Union rewards program just for DCU Visa Check Card holders. You'll earn 3% in cash rebates when you shop at participating online and in-store retailers with your DCU Check Card.
How does it work?
DCU Merchant Rewards is a free, automatic benefit of your DCU Check Card. When you shop with your DCU Check Card at participating retailers either in-store or online through dcu.org, you'll earn 3% cash back on your purchases.
Where can I earn cash back?
Our Merchant Network includes many of the largest retailers nationwide - available online at dcu.org. You'll also earn cash rebates from some of these same retailers for purchases when you sign your receipt in-store. A complete list of participating retailers can be accessed from within the DCU Merchant Malls 'Shop & Earn' page.
How can I earn cash back online?
In order to earn cash rebates, you must begin your shopping through dcu.org and you must use your DCU Check Card. It's the only way your purchases can be tracked in order to earn the cash rebates.
How can I earn cash back at in-store retailers?
Some retailers allow you to earn cash back when shopping in-store. To earn cash back at in-store retailers, just use your DCU Check Card when you make your purchase.
Note: Only signature-based transactions are eligible for cash rebates. PIN transactions are not eligible for cash rebates.
How are online-only retailers different from in-store retailers?
Some major retailers only offer cash back through the DCU Merchant Mall and not in their stores. Other retailers offer cash back both in-store and through the DCU Merchant Mall. The 'Merchant Details' page will indicate where the cash rebates can be earned, either online or in-store.
Why should I shop online via the dcu.org Merchant Mall?
Every time you shop at our Merchant Mall, you earn 3% cash back. It's that easy.
Can I go directly to a retailer's web site, or do I always have to start shopping at dcu.org?
In order to receive 3% cash back, you must begin your shopping at dcu.org every time and you must use your DCU Check Card. It's the only way your purchases can be tracked in order to earn cash rebates.
How much does it cost to be a DCU Merchant Rewards member?
There is no cost. Just swipe, sign, and earn at participating in-store retailers and use your DCU Check Card online through our Merchant Mall at dcu.org.
How do I get my cash back?
Every month your savings account will automatically be credited with the cash rebate you've earned. The rebate will be credited in 10-15 days following the end of the month.
When will the cash rebates I've earned appear in my account?
The amount of time between when you place your order with a merchant and when your cash rebate appears in your account can vary widely, depending on the merchant. Allow up to 1-3 billing cycles for the cash rebates to appear in your savings account.
Do I earn cash rebates every time I shop, or just the first time?
You earn cash back every time you shop in our Merchant Mall. Plus, there is no limit to the amount of cash back you can earn from retailers in our Merchant Mall or with participating in-store retailers.
Do I earn cash rebates for anything I buy?
Taxes and shipping fees are not eligible for cash rebates. Furthermore, when you are using your DCU Check Card at one of the participating national in-store retailers, you must select "Credit" and SIGN your receipt. If you select PIN, you will not earn a cash rebate.
What happens to the cash rebates I've earned if I have to return a purchase?
All credit transactions (returns) will result in a deduction against the cash rebate.
What if my cash rebate balance is a negative amount?
The negative earnings will be offset by future earnings until you have earned a positive rebate value. Negative earnings will not be charged to your savings account.
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