Platinum Rewards
Young Adult
Reward Points
Balance Transfer
Verified by Visa
Additional Card Benefits
Credit Line Increase
Forms and Applications

 / Credit Cards / Credit Cards / Reward Points

Reward Points that are really rewarding.

People love reward programs. They get to treat themselves to cool stuff they may not immediately buy. At least that’s what they’re supposed to do. So we made sure that our Reward Points program lived up to your expectations. How? We reward you with points that are actually worth something. You’ll have the flexibility to choose rewards like Cash Back, Travel with no blackout dates, Gift Cards and Merchandise. And if you want to donate your reward points to charity, you can do that, too.


Here’s how it works:

You’ll earn 1 point for each $1 in eligible purchases with any one of our Delta Community Visa® Credit Cards. And then the earnings will continue each time you use your Delta Community Visa Check Card by earning 1 point for every $3 in eligible purchases as long as you sign for the purchases instead of entering your PIN. It’s that simple, which is exactly the way it should be.

Here’s how to sign up:

Simply log in to Online Banking, go to Tools and Services and select Reward Points. Pretty simple, huh?

Or, if you’d like, you can enroll by stopping by any one of our branches or by calling 1-800-544-3328. A final way to enroll (as a Primary Participant only) is by calling Audioline at 404-715-4627 or 1-800-334-7536 and entering the response code 85#.

Once you've enrolled, you'll be able to check your Point Bank, browse through a variety of items and redeem online easily and securely. To learn more about our redemptions or to see the types of rewards you can redeem, take a tour of our Reward Points website.


Who is this product right for?

Someone who wants a little something extra each time they use their Delta Community Visa Check or Credit Card.

What kind of participant do you want to be?

Delta Community knows that one size doesn’t fit all. That’s why we offer two types of enrollment options based on your needs. Just pick the one that fits you best.

Become a Primary Participant.

Primary Participants earn Reward Points on their own. But to help you get started, we’ll give you 2,000 bonus points right off the bat. We’re just nice like that. Once you enroll, you’ll be able to access your point balance information, browse our online rewards catalogue and control your Point Bank balance for reward redemptions.

Become a Contributing Participant.

As a Contributing Participant, you can enroll under a family member or friend and earn points toward their Point Bank balance. All you have to do is sign up as Contributing Participant and then watch your points grow and grow and grow.

Who is this product right for?

Someone who wants a little something extra each time they use their Delta Community Visa Check or Credit Card.

Options, options and more options.

Time to get to the good stuff, the actual rewards. Delta Community's Reward Points program offers many types of rewards and gives you the flexibility to use points or points and dollars to redeem them.


You want merchandise? You got it. There’s plenty to choose from . . . electronics, appliances, tools, home furnishings, tickets, jewelry and on and on. Drop by our Reward Points web site to take a look around for yourself. Just click on Reward Points and do some major browsing.

Gift Cards

Are you a gift card type of person? Well, you’re in luck. Delta Community offers Gift Cards and Gift Certificates from many top-tier merchants and name-brand manufacturers. And with the 2,000 bonus points you get just by enrolling, you’re already more than halfway to your first reward.

Gift Card Rewards Earnings Table
3,000 | $25
6,000 | $50
10,000 | $100
15,000 | $150


You love to go places? We’d love to help. With AnyAir, you can redeem points for domestic and international travel without the baggage of unreasonable requirements and rules. Just redeem a minimum of 10,000 points for $100 toward any published fare and then pay the difference of your ticket using either a Delta Community Visa Check or Credit Card.2 You’ll be able to earn even more Reward Points when you use any of your Delta Community Visa cards to pay the dollars portion of your ticket. See just how easy we make it for you to travel:

  • No blackout dates
  • No required 21-day advance purchase*
  • No more ticket price caps
  • No need to burn extra points for a "rule buster"
  • No required round-trip or Saturday-night stay*
  • Optional rental car and hotel booking when you book air travel
You’ll also be able to redeem your points for certificates and/or checks toward hotel and car merchants such as Avis and Hertz car rentals and Marriot, The Ritz Carlton and Hyatt hotels.

Cash Back

Some people prefer their rewards to come in the form of cash to spend any way their hearts desire. No problem. Delta Community lets you redeem your points for Cash Back rewards that we’ll deposit straight into your Delta Community Savings account. Here’s a sample of our Cash Back redemption tiers:

Cash Back Rewards Earnings Table
3,000 | $25
6,000 | $50
9,000 | $75
12,000 | $100
18,000 | $150


One way to help make your life come together is to help someone else’s life come together. That’s why Delta Community makes it possible for you to redeem your points to help many worthwhile charities.

Speed it up with PowerPay.

Want your rewards as soon as humanly possible? PowerPay lets you combine your points and dollars and redeem them for Gift Cards, Merchandise, Entertainment and Experiential rewards. As long as you have 3,000 points or more, you can use them toward the value of the item you'd like and pay the remainder with your Delta Community Visa Check Card or Credit Card.1

To learn more about Delta Community’s Reward Points Program, take a tour through our rewards site and see all that it has to offer.

1Not all reward redemptions are eligible for the PowerPay feature. Rewards such as Cash Back, Charity and items currently offered at a value of 3,500 points or less are not eligible. These exceptions are still available using the traditional point redemption option.

2Any airline ticket purchased or redeemed through the Reward Points program will be governed by the applicable fare rules of the carrier for the ticket being purchased. Brand and/or reward options are subject to change without notice. * Brand and/or reward options are subject to change without notice. Reward options and/or point levels are subject to change without notice.

Who is this product right for?

Someone who wants a little something extra each time they use their Delta Community Visa Check or Credit Card.

Reward Points Program Rules and Terms of Use


Delta Community means Delta Community Credit Union.
Delta Community CU Reward Points (hereafter known as the Program) means the Program which allows participant(s) to accumulate points by using their Delta Community credit and debit card(s), which may be redeemed for cash, merchandise, gift certificates, charities or airline tickets.
Primary Participant means a registered user of Delta Community CU Reward Points.
Point Bank means the points accumulation system.
Contributing Participant means another registered user of Delta Community CU Reward Points whose card(s) is linked to a Primary Participant.
Rewards Center refers to the third party that administers the point and redemption services on behalf of Delta Community.
AnyAir refers to the ability to use a combination of points and U.S. dollars in the form of a valid debit or credit card to obtain an airline ticket.
PowerPay refers to the ability to use a combination of points and U.S. dollars in the form of a valid debit or credit card to redeem a reward item. Not all items are eligible for PowerPay. Cash Back, Charity and all Apple® items, as well as those items set at 3,500 points or less, are excluded from PowerPay.

General Program Terms & Conditions

Administrative services for the Program are provided by the Rewards Center and travel agency affiliates. These general program Terms and Conditions apply to the cash, merchandise, gift certificates, gift cards, charities and airline ticket redemption services. Participation is restricted to Delta Community members/participants in the United States only and is void where prohibited by federal, state or local law. Delta Community reserves the right to verify and adjust points, alter, change, or terminate the Program, or any member's participation in the program, at any time, for any reason without prior notice. Upon cancellation of participation in the Program, whether voluntary or involuntary, any points earned and not redeemed will be forfeited and no refund for paid enrollment fees will be given. You can re-enroll in the Program at any time after the second business day of the following month and start earning points again with a zero (0) Point Bank balance. If applicable, determination and payment of tax liability is the sole responsibility of the participant.

A participant will earn one (1) point per one (1) dollar for eligible purchases made on Delta Community Platinum Rewards, Gold, Classic and Young Adult Credit Cards and one (1) point per three (3) dollars for eligible signature-based purchases made with Delta Community Check (debit) Cards. Your continued use of one of these eligible cards constitutes your acceptance of these program rules and any future program rule changes. PIN-based transactions do not accumulate points. Health Savings Account (HSA) and ATM cards are not eligible to earn points. No points are earned for purchase on eligible cards for traveler’s checks, balance transfers, interest or service charges, cash advances or ATM withdrawals. In the event there is a discrepancy between the point earnings ratios stated in these program rules and any messages, marketing offers or promotions, and this discrepancy results in a lesser amount of points being earned than offered in the marketing offer or promotion, the point earnings ratio defined in these terms and conditions will apply. Questions as to what constitutes a qualifying transaction, as well as any exceptions, are at the sole discretion of Delta Community. Points do not have cash value, are not transferable and cannot be used as payment for obligations owed to Delta Community. Points cannot be earned until a Point Bank has been assigned during enrollment. Point Banks are assigned to Primary Participants only. Retroactive credit will not be given. Points may not be combined with other frequency or reward programs.


To accrue or redeem points and remain enrolled in the Program, your Delta Community account relationship must be in good standing. This means you cannot be in excess of the approved credit line on your credit card, be past due on any loan with Delta Community, or have at any time during your membership with Delta Community had a loan or share balance charged off. This may result in the cancellation of your participation in the Program. Providing your account relationship remains consistently in good standing, enrollment in the Program will automatically be renewed each year, unless one of the conditions above is met or if the participant cancels the enrollment online at or calls the Delta Community Audioline at (404) 715-4627 or (800) 334-7536, response code 85#.

As a Primary Participant, you will have access to your Point Bank balance information. All eligible cards associated with the Primary Participant's Delta Community account(s) will be enrolled as point-earning cards. No annually recurring enrollment fees apply.

As a Contributing Participant, you will earn points with all cards associated with your Delta Community account(s) for a registered Primary Participant of your choosing. No annually recurring enrollment fees apply, and you will not have access to Point Bank information.

Points are considered earned when they are posted to the redemption system. This means your points will be applied based on the post date of your transaction, which may be different from the date the transaction was completed. Point Banks will be updated monthly. Points may take up to 60 days to be posted following a qualifying purchase. Points will expire three (3) years after the end of the calendar year in which they are earned. Points redeemed and expired points will be based on a first-in, first-out process. Participant(s) will receive statements throughout the year in an electronic format.

For redemptions, inquiries and updates Primary Participants may:

  • Log into Online Banking at, click Reward Points in the Tools and Services section, 24 hours a day, seven days a week.
  • Call 1(800) 405-4178 from 8:00 a.m. to Midnight (ET) to speak to a Delta Community CU Reward Points customer service representative.
Neither Delta Community nor the Rewards Center makes any warranty of any kind and will not be liable for injury or loss resulting from the use of any reward. Neither Delta Community nor the Rewards Center, or their affiliates shall be liable for any bodily harm and/or property damage, which may result from your participation in the Program for the performance of the airlines. Neither Delta Community nor the Rewards Center shall be responsible for any loss, expense, accident, injury or inconvenience that may arise in connection with the use of the Program. Neither Delta Community nor the Rewards Center shall be responsible for any late fees, direct, indirect or consequential damages arising from the use or maintenance of the Program. The Program is provided "as is" without any warranty of any kind, either expressed or implied, including but not limited to the implied warranties of fitness for a particular purpose or warranties of merchantability.

Delta Community or the Rewards Center may change or terminate participating merchants, withdraw, limit, modify or cancel any reward, add an unlimited number of blackout dates, change the number of points earned for purchases made on any eligible card or change the number of points required for any reward. While we reserve the right to change the Program at any time with no advance notice, we will endeavor to provide advance notice whenever possible.

Delta Community shall not be deemed to have waived any of its rights or remedies herein unless such waiver is in writing and signed by an officer of Delta Community. No delay or omission on the part of Delta Community in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

This agreement, the Program Rules and Terms of Use shall be governed by and construed in accordance with the laws of the State of Georgia without reference to any conflicts of law principles thereof. Any dispute, difference, controversy or claim arising out of or relating to this agreement, the Program Rules and Terms of Use shall be settled by binding arbitration before a single arbitrator in Atlanta, Georgia in accordance with the Commercial Arbitration Rules of the American Arbitration Association. Judgment on any resulting award may be entered into by any court having jurisdiction over the parties or their respective property. The arbitrator shall decide any issues submitted in accordance with the provisions and commercial purposes of this agreement, the Program Rules and Terms of Use, provided that all substantive questions of law shall be determined in accordance with the state and Federal laws applicable in Georgia, without regard to internal principles relating to conflict of laws. The prevailing party in any dispute arising out of this agreement, Program Rules and Terms of Use shall be entitled to, and the arbitrator shall have jurisdiction to award, the recovery of reasonable attorneys' fees, costs and expenses.

Cash Redemption Terms and Conditions

A minimum of 3,000 points is required to receive a cash redemption. Cash redemptions will be deposited into your Delta Community Savings Account and may take up to two (2) weeks for processing. All redemptions are final.

PowerPay Redemption Terms and Conditions

PowerPay allows you to use a combination of Points and dollars to redeem for merchandise, gift cards and gift certificates. A minimum of 3,000 points is required when using PowerPay to redeem an item. Not all items are eligible for the new PowerPay feature. Exceptions include Cash Back, Charity and all Apple® items, as well as those items currently offered at 3,500 points or less. These exception items are still available using the traditional, points-only option.
Any redemption using U.S. dollars must be made with a valid and billable major credit card at the time of transaction. If redemption of a particular item requires certain service/processing fees and/or shipping fees, such cardholder will only be able to pay for such fees using a valid and billable major credit card.

Once redemption is made using PowerPay, the Participant's Point Bank will be reduced by the number of points used in that transaction and the applicable dollar amount will be deducted from the valid and billable major credit card provided. If a redemption is made and such item is discontinued or otherwise no longer available and a comparable item of equal or greater value cannot be provided, the applicable cardholder will be notified that such redemption has been canceled and, if U.S. dollars were used for the redemption, such U.S. dollars will be refunded to such cardholder in the form of a credit to the credit card originally provided for the redemption.

Merchandise Redemption Terms and Conditions

Merchandise may be redeemed with points earned through the Program or using PowerPay. The rewards are available for redemption by Program participant(s) who have the necessary number of points to place an order. The Rewards Center will verify the number of points required at the time of order.
All items are subject to availability. Most orders will ship within four to six weeks from date of redemption. All substitutions offered at the time of redemption will be of equal or greater value. All points are deducted at the time of order. Returns are only accepted for merchandise that is damaged, defective or shipped in error. Returns will be honored for equal exchanges. No point credit will be issued. The manufacturers' warranties, if any, apply to all items offered. The Rewards Center reserves the right to modify or cancel the Program without prior notification. Items redeemed may be shipped within the 48 contiguous United States only. Only standard shipping is available. Express delivery is not available. The shipping address must include a street address; APO/FPO/PO Box addresses are not accepted. All redemptions are final.

Gift Card and Certificate Redemption Terms and Conditions

Gift cards and gift certificates may be redeemed with points earned through the program or using PowerPay. The complete variety of gift certificate/gift card rewards and the number of points required to obtain each reward is described in the Program rewards schedule. The participant must visit the Program's website online at or call the Rewards Center at 1(800) 405-4178 to redeem points to receive rewards. Redemptions are subject to point availability and other requirements contained in these Terms and Conditions. The Rewards Center will endeavor to issue a gift certificate/gift card within 7-10 business days of the participant's request. At the time of the gift certificate/gift card redemption, Rewards Center will reduce the points total by the number of points used to obtain the reward(s). Gift certificate/gift card rewards will be mailed only to the address on the participant's account. Gift certificates/gift cards will not be personalized, are transferable and may be redeemed by any person. Gift certificates/gift cards must be presented to participating merchant partner for use.

A gift certificate/gift card may only be used once. Mechanical reproductions, copies or facsimiles of gift certificates/gift cards will not be accepted. Additional terms and conditions appearing on the gift certificate/gift cards are to be interpreted in accordance with, and are incorporated into these Terms and Conditions. Questions as to conflicts in terms and conditions will be decided at the sole discretion of Delta Community. Gift certificates/gift cards are not exchangeable, refundable, transferable or redeemable for cash and cannot be replaced if lost or stolen. There are no refunds, exchanges, replacements or conversions for currency, credit, other points or rewards for no-shows or unused portions of rewards. Best efforts will be made to ensure that the gift certificate/gift card is received in a timely manner.

Delta Community, Rewards Center and partners are not responsible for rewards or correspondence lost or delayed due to U.S. Mail delivery. All redemptions are final.

Airline Ticket Redemption Terms & Conditions

AnyAir allows you to use a combination of points and dollars toward the purchase of an airline ticket on any airline carrier that can be booked through the Global Distribution System. Each Airline Travel point redeemed equals 1 cent towards the Purchase price with a minimum of 10,000 points, or $100.00 toward the purchase price of the selected itinerary. There are no blackout dates or minimum night stay requirements on tickets. "Any airline" is defined as domestic or international airlines whose schedules, fares and availability are displayed or published in an airline industry Global Distribution System such as Apollo. Tickets cannot be booked more than ten (10) months in advance. We will endeavor to obtain tickets from the air carrier you prefer, but reserve the right to decline to obtain tickets from carriers with unreliable service records. Tickets on some carriers may not be available from time to time and due to the government regulations and federal law, tickets to some destinations may not be available. You are responsible for paying any government-imposed security fees and airline fuel surcharges. If the cost of the airline ticket is more than the value for the amount of Points you want to redeem, you will have the option of paying the difference with any major credit or debit card. Tickets may be purchased in your name or the name of any other individual you designate; however, points must be redeemed by the Primary Participant or an authorized user on the account. Tickets will be sent to the Primary Participant's billing address on file at the time of redemption. Points are fully redeemed when an airline ticket is issued and a ticket is generated through the Global Distribution System. All tickets booked are governed by the fare rules and any other applicable airline restrictions. There are no exchanges or refunds if you fail to make a flight unless otherwise provided by the fare rules of the carrier from which the tickets are purchased. Any change to your flight itinerary is subject to the fare rules of your ticket and the airline's terms and conditions, including any applicable change fees. Additional costs for overnight delivery of tickets or for delivery outside of the U.S. shall be at your expense and will be charged to your card used to complete the redemption. Lost, stolen, or otherwise destroyed tickets or documents are not reusable or replaceable.

Delta Community Credit Union and its third party providers are independent from any airline or other supplier of services. Neither Delta Community nor its third party providers maintains any control over the personnel, equipment or operations of any airline or other supplier of services. The passage contract in use by the airlines and other carriers will constitute the sole contract between you/your travel companions and the carriers. The responsibility of any Travel Rewards Supplier to you/your travel companion is limited to the Travel Rewards Supplier's contractual and statutory liability as a common carrier. Delta Community Credit Union and its third party providers assume no responsibility for, and will not be liable for, any financial loss, personal injury, property loss or damage, other loss, accident, delay, inconvenience or irregularity which you and/or your guest may suffer by reason of any act, default, non performance or wrongful, careless, negligent or unauthorized act or omission of any Reward Supplier, its employees or any third party.

Please note the following travel recommendations:
  1. Contact the carrier 24 hours prior to your departure to confirm your itinerary.
  2. Refer to your carrier's web site or reservation number to determine how much in advance you can or should check in for your flight(s). This recommended time frame might vary based on season or security requirements enforced at the time of travel.
  3. Photo ID is required at check-in for all flights. Passport required for all international travel (other documentation may be applicable). Most countries require a minimum of 6 month validity on your passport to travel. Ensure the names of travelers provided at time of booking meet the requirements of TSA's Secure Flight Program.
Delta Community CU Reward Points does not guarantee the availability of any flight on any airline or seats on any such flight. Delta Community CU Reward Points does not endorse, guarantee or warrant the goods and services offered by any airline. Tickets are subject to the applicable airline rules and restrictions.

Lost, stolen or otherwise destroyed tickets or documents are not reusable or replaceable. Points are considered fully redeemed when an airline ticket is issued and mailed to the participant. All redemptions are final.

Who is this product right for?

Someone who wants a little something extra each time they use their Delta Community Visa Check or Credit Card.

Important Notice: You are accessing a secure site with confidential information which is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators will be prosecuted to the fullest extent of the law.