Delta Community’s Bonus Reward Points Program
Delta Community's free Bonus Reward Points Program allows Visa® Platinum Rewards credit cardholders to earn more Reward Points (and rewards) faster!
First quarter (January-March) 2024 Bonus Reward Points categories are:
3x Reward Points at restaurants (including fast food), wholesale clubs, discount and department stores
2x Reward Points at grocery stores and gas stations
Learn more with these frequently asked questions.
What is Delta Community’s Bonus Reward Points Program?
It’s a way for members to earn even more Reward Points. Each quarter, you can activate offers to earn 2x and 3x Reward Points in select categories, up to 3,000 points each quarter. And you will still earn 1 point for every $1 spent on eligible purchases in non-bonus categories.
How do I participate in the Bonus Reward Points Program?
If you have a Visa Platinum Rewards Credit Card or a Visa Business Platinum Rewards Credit Card, you are eligible to participate in the Bonus Reward Points Program. To activate, simply log in to Online Banking and select Reward Points under the Additional Services tab, or select More in the Mobile App. Click on the link to Enroll for the current or upcoming quarter.
If you don’t already have an eligible Delta Community Visa Credit Card, log in to Online Banking and select Apply for a Loan or Credit Card under the Loans tab. Once your new card arrives, log in to Online Banking and follow the instructions above.
Why do I need to activate each quarter?
By activating each quarter, you’ll be aware of the current categories and will always know where you can earn 2x and 3x points.
When do I need to activate each quarter?
You can activate for each quarter up to 14 days prior to the beginning of the new quarter, and you can activate up until the last day of the promotion time period. However, you only earn Bonus Reward Points for special category purchases you make after your enrollment. For example, if you enroll for Q4 on December 29, you can only earn points for three days.
What is the maximum number of points I can earn each quarter through this promotion?
The maximum number of points you can earn each quarter through this promotion is 3,000. You will continue to earn 1 point for every dollar spent for eligible purchases beyond that. You are only eligible to participate in one Reward Points promotion at a time.
I bought something from a retailer that I thought would qualify for Bonus Reward Points, but it didn’t. What might be some of the reasons why?
A Merchant Category Code (MCC) is assigned to a business by credit card companies when the business first starts accepting credit cards for payment. The MCC is used to classify the business by the type of goods or services it provides.
We use these codes to group categories and strive to include all relevant codes for each category; however, not all merchants have all merchant codes in what may seem to be a relevant category.
Merchants self-select the category or categories in which they would like their transaction items to be listed. Some merchants may be owned by other companies and transactions may not be counted in the category you expect.
Additionally, when using some digital wallet services (such as Google Wallet) at a grocery store, these may be listed as the merchant rather than the store itself.
Delta Community reserves the right to determine which purchases qualify for the Program.
If I activate my quarterly offers, do I still earn my regular points (1 point for every $1 spent) on non-bonus category items?
Yes. The Bonus Reward Points Program is in addition to the normal 1 point for every $1 spent on eligible purchases in non-select categories.
I purchased an item on the last day of the quarter but I didn’t earn my bonus points. Why?
In this instance, it’s likely that the merchant did not submit charges to your card on that day. For example, if you purchased the item online and the merchant didn’t charge your card until the ship date and the ship date is five days out, your purchase would not qualify. Your purchases must post by the last day of the promotional quarter to qualify.
What types of transactions do not qualify for the bonus categories?
Balance Transfers, traveler’s checks, money transfer services, payments, returned items, interest or service charges, fees, ATM withdrawals, and cash advances do not qualify as purchases for this Program.
What if I return my purchase? Will I still earn bonus points?
No. As with regular Reward Points earnings, returned items do not qualify for Bonus Reward Points.
When will I see my Bonus Reward Points in my Point Bank?
Bonus Reward Points will be applied to your account within two to four weeks after the quarter ends.
What should I do if I have questions that aren’t covered here?
You may speak with a representative at our Reward Points Center by calling 877-335-8297