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UChoose® Debit and Credit Card Rewards from Kentucky Bank

You can earn rewards points with your Kentucky Bank credit and debit cards by making the same purchases you make every day! Sign up and start earning your rewards now.

UChoose Rewards® is a service of Kentucky Bank and is an optional rewards program in which you earn points for shopping and using your Kentucky Bank credit card or debit card. Points can be redeemed for cash, gift cards, or anything you choose from a huge online rewards catalog.

Are all accounts eligible for rewards? All Kentucky Bank credit cards are eligible for rewards. Debit cards must be linked to one of our Smart or Opportunity checking accounts to be eligible.

How do I get started?
Credit Card - Just register your card at UChoose Rewards to start earning points.
Debit Card - Call us at 1-800-467-1939 to ensure your checking account is eligible and then register your card at UChoose Rewards to start earning points. That is all you need to do to begin earning points! You can log on to see how many points you have earned, redeem your points, and even build a wish list.

How do I earn points?
After registering the card at, your credit card will earn one (1) reward point for every one U.S. dollar ($1) in qualifying purchases, rounded down to the closest dollar on every purchase. Your debit card will earn one (1) reward point for every two U.S. dollars ($2) in qualifying purchases, rounded down to the closest dollar on every purchase. Qualifying purchases do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, money orders, gift or stored value cards, any checks that are used to access your account, interest, unauthorized or fraudulent purchases, fees of any kind, ATM transactions, or PIN-based transactions. Points can only be earned when you choose to sign or select credit and not when entering your PIN. Points expire after three years. Reward points earned in calendar month one expire on the last day of calendar month thirty-six.

What can I redeem my points for?
You can redeem your points for literally thousands of options. It all depends on your personal preferences. You can get event tickets, electronics and hi-tech gadgets, spa treatments, apparel, airline tickets, activity vouchers, cash, gift cards – the list goes on and on. Browse the redemption section to see all the exciting options available to you. We keep track of all the points you earn and will help you find just what you are looking for when you are ready to redeem. We even have a Wish List that will help you track when you have earned enough to redeem a specific item. Sign in to your UChoose Rewards® account to see all your redemption options

How can I earn extra points?
You can earn bonus points when you shop at participating retailers listed on the UChoose® Rewards website. New retailers are added to the site every month, so check back often.

Can I combine my reward points with my other Kentucky Bank accounts?
Yes! You can share your credit and debit card points across all of your eligible accounts. You can combine your points so they add up faster.

How do I link another card to the UChoose Rewards® program?
Login and choose Preferences from the left navigation menu. At the bottom of this screen, click the Learn More link. From here, you can enter your additional card number, then click submit and follow the prompts. Please note: Once accounts are linked, that action cannot be undone. Please be certain you want to link your accounts before proceeding.

Do my points expire?
Yes, but not for three years. Reward points earned in calendar month one, expire on the last day of calendar month thirty-six.

Can I track my rewards on my phone?
Yes, simply visit to track your rewards on the go!

I am ready to get started, but need to activate my card. How do I activate my card?
Credit Card – Call 1-800-992-4951 to activate your credit card.
Debit Card – Call 1-800-992-3808 to activate your debit card.

If I am close to having enough points to redeem, can I purchase the balance of the points they need?
No, you cannot purchase the balance of the points you need. You must earn the required points needed to redeem for an item.

What if I still have questions?
Credit Card – Call our credit card customer service line at 1-800-992-4951.
Debit Card – Call our general service line at 1-800-467-1939.

Where can I earn points?
You earn points everywhere your card is accepted.

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 1,500 points before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your “Total Points Available for Redemption” on the Point Details page to see how many points you have available for redemption.

Can I share points with family members?
Yes, all cards within an account automatically earn points together. In addition, if you have multiple accounts with Kentucky Bank, you can link them together to earn rewards faster. Just visit the Preferences page at to link more accounts to your program.

When I redeem for a product, can I ship my redemption to an address other than the one Kentucky Bank has on file for me?
Yes, you will have the opportunity to change the address for your redemptions as long as the address is located in the United States.

What will happen to my points if my card is lost or stolen?
If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you may need to re-register on the website with your new card.

If someone manages to get access to my UChoose Rewards username and password, can they redeem my points?
Every effort is made to authenticate UChoose Rewards participants – but fraud can occur. If you feel that you might have been a victim of fraud, contact us at 1-800-467-1939 so that an investigation can be started.

How much does it cost to participate?
There is no cost. Membership in UChoose Rewards® is absolutely free for eligible Kentucky Bank cardholders, so start shopping and earning today.

Can I return my redemption item, and if yes, how do I do it?
Some redemption items can be returned and some cannot. To understand the various redemption policies and processes, please review the Terms and Conditions, found at

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